Message from the chair of the board

Message from the chair of the board

I have been asked by the CH team to provide a message which might be helpful in these currently turbulent times. I am pleased to do this and provide a senior perspective: I am in my early 70’s and retired for 13 years after a rewarding 38-year career in the chemical industry. My wife, Bernice, and I have been clients of CH Financial and predecessor companies for over 25 years. Our association has been unique in that we have had a close involvement in the journey that has led CH Financial to its current state. We have been beneficiaries of the company’s integrated service philosophy combined with an empathetic understanding of their clients’ backgrounds and needs.
A memorable piece of advice provided upon retirement was not to be “retired” in the classical sense but “rewired”. The financial stability that CH Financial helped afford our family enabled me to keep my horizons broad and pursue new interests and opportunities. A particular interest of mine revolved around the power of visioning supported by strategies to execute. I developed the methodology during my business career and was able to apply it to a number of areas ranging from corporate management to church groups. Upon retirement I set up my own consulting firm with the help of Jeremy and his colleagues. I’ve taken on many interesting projects, even returning the favour to Jeremy by leading the CH Financial executive team through a visioning and strategy building initiative.
I’d like to share a little of the visioning practice with you as it has great human application, particularly in these tumultuous times.
Its basic premise is that we seek a positive desired future state in our lives, be it personal or career related. It is most worthwhile and motivational to spend time exploring and describing this state.
The next phase is to develop a full understanding of the current state in which we find ourselves.
Once we fully comprehend our current state, we compare the two states and identify the gaps. These gaps are translated into longer term objectives that lead us to achieving our vision.
One of the objectives that usually emerges is financial in nature and this is where CH Financial can be of significant assistance. As I indicated this approach can be applied to a range of applications from individuals to corporations and other institutions. I firmly believe that vision backed by a powerful strategy will get us through these current difficulties. I fervently hope that our government can provide this level of leadership over the coming months. We are all familiar with the famous John F. Kennedy vision to put a man on the moon in 10 years. He was committed and determined, he identified the gaps, he set actionable objectives and within the decade he achieved his goal.
To conclude, I hope I’ve adequately shared a facet of my senior perspective on life and its learnings. I have been blessed with a wonderful family including three successful and productive children who endeavour to enrich society. I leave you with one of my favorite quotes: “Vision without action is dreaming. Action without vision merely passes the time. Vision with action can change the world.” If I can offer any advice, it’s that you carry this forward in your current and future lives.

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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.

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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

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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

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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

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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