President Louis DeConinck

A Message From the CEO Final

A Message From the CEO Final

Subject: A Message from the CEO

Dear Client First Name,

In light of the current situation around the globe, I thought this would be a good time to take a step back and give you my thoughts from a ‘big-picture’ perspective. The human race has evolved to the point where we feel risk can be removed from almost any situation. However, adverse events can and do happen. How we react will determine our success or failure. Let’s take a moment to reflect on some of the events that have happened during my career:

2000/2001: Y2K, tech bubble, 9/11
2003: SARS
2008/2009: Financial crisis, the great recession
2010: European sovereign debt crisis
2013: Calgary flood
2015: Stock market sell-off
2016: Brexit and Trump

In each of these cases there was an element of fear, panic and emotions running high. In many of these instances there was also a strong stock market reaction. In my 20+ years with CH Financial, we have prided ourselves on providing you and your family with stability. In each of these situations we have been constantly monitoring, analyzing and communicating with the people we’ve partnered with to manage your assets. And these people, by the way, are taking action. Although our message to you is largely to “the stay the course” (a positive message with a well-established history of success), this is quite the opposite of what our managers are doing. This is one of the main benefits of investing in excellent funds. They are deploying cash to buy businesses that are being priced at below-market rates. They are shifting the weightings of their top holdings to monetize gains. They are looking for cash-flow opportunities. They are busy. Further to this they believe, as we do, that this too shall pass. Just as was true 3 months ago, underpinning our market is a strong banking system and powerful economic structure. We are confident in the market’s ability to recover and prosper, as it has after every market disruption in history. It doesn’t necessarily make it easy to weather the storm, but we hope it makes it a bit easier to keep the faith. Keep in mind that we at CH are invested in the same funds that make up your own investments, and our managers are invested in their own funds as well. We believe in these strategies, and we are there with you.

On a practical note, we also want to assure you that we have the infrastructure in place to work securely offsite if we find ourselves being required to work from home. We have made substantial investments in our systems over the past year, and this will allow us to maintain full control of all business functions from wherever we may be. We are monitoring the situation, and the well-being of our staff and clients are of upmost importance.

Currently we will be in the office Monday to Friday, although some of our staff will be working reduced hours. Effective immediately we will be holding all meetings virtually. We will be in touch in advance of each meeting to confirm and to ensure you have all the information you need to participate. As of this time, CRA has not made any announcements to move any of the filing deadlines including the personal tax deadline of April 30th. We will be following these announcements closely. Our preference at this time will be to receive your tax information by mail or by email in pdf format. If you plan to drop off your tax information in person, we will ensure there is someone available to facilitate this between the hours of 10am and 4pm. Please let us know in advance of dropping by and we will arrange an appropriate place and time to meet. In-office business hours are subject to change based on the measures being implemented by the Federal, Provincial and local governments. We will be in touch if there are any further modifications.

With every challenge met, humanity becomes stronger and more resilient. I’m confident this will continue to be the case. If you have any questions, please don’t hesitate to reach out to us. The team and I are here for you.

With warm regards,
Jeremy Clark
President & CEO
CH Financial Ltd.

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Like you, we’re selective about the long-term relationships in which we engage.

We’re looking for aspirational clients who require the whole spectrum of financial services because managing the whole is how we’re able to deliver unbeatable value – it’s our “secret sauce”.

If this describes you, let’s set up a meeting and
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Are we a good fit?

We’re looking for aspirational clients who require the whole spectrum of financial services because managing the whole is how we’re able to deliver unbeatable value – it’s our “secret sauce.”If this describes you, let’s set up a meeting andget to know each other.

Full quote:

I just want to say we have been with your team since 1993, and we have never had any bad advice. The investments you set up for us during this time has paid for university education for our two granddaughters and provided a significant monthly income for us to augment our pensions.

We are with you for the long run and are not going anywhere. Jeremy has told us that at these times the numbers tend to scare you, but you haven’t really lost anything if you don’t panic and sell.

Ken M, Calgary

With CH Financial since 1993

Full quote:

When I became a client of CHF it was a real game-changer as I was going through a very difficult time both professionally and personally.

I went through a divorce and the loss of a job and a parent, all within a 12-month period. While it was very tough to deal with at the time, I was reassured by the fact that the team at CHF had my back and really cared about me and what I was going through.

Looking back now, I’m not sure how I would have managed without the support of the CHF family.

Jeremy and his team were there every step of the way to help me navigate my way through the complexities of a divorce and inheritance. They got me back on track both financially, as well as emotionally.

I have now been a client of CHF for over 10 years and thanks to their expertise, I know that my family will be well taken care of for many years to come. I am now in a position where I don’t need to worry about money thanks to a solid financial plan.

I would highly recommend the CHF team to others going through life-changing and difficult situations as your financial partner.

Linda, Victoria

Full quote:

As an investment industry professional, I am constantly on the go and maximizing my peak career earning years in my 40s. With travel and work commitments I am very limited for time to spend with family and do the things I love to do and chose CH Financial to allow me more freedom and lifestyle balance.

Being in the investment industry my whole career and an extremely busy professional, I know I could probably do a good job at managing my money as I work in the industry after all while I rely on and trust the CH Financial team that they will take care of the details, both growing my assets as well as taking care of every aspect of my financial situation, including my tax, investments and insurance, they simply take away the stress of having to worry about it all and help me to navigate the complexities for me so it all meshes together and importantly saves me valuable time and headaches.

At the end of the day, the reality is I truly value my time and the opportunity cost of my time and would rather hire the best in the industry so ultimately my wife and I can do the things that we love to do, have more leisure time, relax and enjoy spending time in the great outdoors, exploring new countries, hiking in the mountains and volunteer work.

Since engaging CHF more than 5 years ago we have enjoyed significant growth in our investments but more importantly, we have peace of mind and sleep much better at night knowing the team at CHF has our financial back and anything financial they will take care of for us.

I would have absolutely no hesitation in recommending the team at CHF to other career-focused busy professionals who really value their time and lifestyle balance.

Kevin & Sharron, Calgary

Financial industry professionals

Full quote:

Prior to joining CH Financial as a client, I had been partially managing our investments and using a bank-owned broker for many years, with moderate success. When we became clients of CHF, I quickly realized how little I knew about the complexities of managing investments and the importance of seeking out the best specialists in the industry to assist with my family’s full financial picture.

Brian and the team at CHF encouraged us to take an introspective look at our assets and expenditures and even helped us implement a comprehensive budget. The team really stepped up to take care of all aspects of our financial picture, including portfolio design, CH Financial introduced us to a lawyer who took care of everything for us, estate planning and tax, while helping us simplify our financial affairs.

Being of the sandwich generation my wife and I spend considerable time caring for our surviving parents and our grandkids, so

freeing up valuable time is essential to allow us to do the things we love to do. The team at CHF takes care of the details and today my wife and I enjoy a comfortable, stress-free financial situation.

Over the years as a client of CHF, both our portfolio and wealth has grown exponentially, more than we could have ever imagined. Now that we are both happily retired, having the CHF team in our corner helps us to sleep better at night knowing that our somewhat complex financial puzzle is being looked after by a team of people that really care, as opposed to being treated like a number by a big bank.

I would have no hesitation in recommending the CHF team to others looking for a superior financial home in Calgary and a safe place to invest your hard-earned money.

Ian C, Calgary

Comfortably retired thanks to CH Financial