For the past 20 years I have been working with affluent families and business owners providing Retirement/ Tax/ Estate/ Insurance /Investment Planning services.I am a senior partner in the CM group, a team that has been in existence for 30+ years. We focus on asset allocation, diversification and cost control in our investment planning process. We believe you should understand what you can control and what you can not. We focus on these key beliefs:Capital markets work - risk and return are related.Asset allocation is the key determinant of the volatility and expected return of your portfolio.Diversification - proper diversification helps to manage risk.Excessive portfolio activity and trading increases costs without necessarily adding to returns.Emotion is counter-intuitive to investing and needs to be managedFees are an important part of your investment plan and should be reduced as much as possible.I welcome the opportunity to speak with individuals about their personal circumstances.You can contact me at (403) 508-3283 or greg.kraminsky@cibc.ca