The CIBC Financial HealthCheck™

We all have goals, but sometimes we’re not quite sure how to make them happen. You may be wondering how to save for your first home, your child’s education or your retirement. Maybe you want to pay off debt, or would just like to get your finances in better shape.

A CIBC advisor can use the CIBC Financial HealthCheck to help you reach your financial goals. Together, you will determine where you are financially, where you want to be and how to get there. As a result, you will:

• Identify and focus on your key goals
• Assess your current financial situation
• Develop relevant solutions to help you work towards your goals

It’s easy

There’s no preparation required, no paperwork needed. With a CIBC Financial HealthCheck, you and a knowledgeable CIBC advisor will:

1. Identify and focus on your key goals. Your CIBC Financial HealthCheck starts with you choosing what’s most important to you from a list of goals such as: saving for retirement, buying your first or next home, or paying off your mortgage or other debt.

2. Assess your current financial situation. The CIBC advisor will take you through straightforward questions that cover four key areas of financial health:

   • Day-to-day Cash Management
   • Saving and Investing
   • Borrowing
   • Protection

   Sample questions include:

   Are you saving regularly to meet your goals?

   Do you usually have money left over at the end of each month?

   Are your credit card balances usually paid in full each month?

   Do you have a plan to become debt-free?

3. Develop relevant solutions to help you work towards your goals. You will receive a Recommendation Report that is based on the information gathered about your goals and your current financial situation. Using the knowledge of the CIBC advisor and solutions available through CIBC, you will discuss your next steps.

   After your initial CIBC Financial HealthCheck, you can follow up with any CIBC advisor to ensure that you stay on track to meet your goals.