Best CIBC Private Wealth US Podcasts (2025)

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Demystifying new job paperwork 21:39

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1y ago21:39

21:39

Starting a new job at any age or stage may leave you feeling overwhelmed by the new-hire paperwork and benefit selections offered by your employer. Understanding and properly completing employment-related tax and benefit elections can be a key factor to success on your financial journey.By CIBC Private Wealth US

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Private foundations v. donor-advised funds 19:12

1y ago19:12

19:12

Both private foundations and donor-advised funds can be effective personal charitable vehicles. While they both allow for strategic giving and an opportunity to create a charitable legacy, they have important differences to consider when deciding which type of charitable vehicle may be right for you and your family.…

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Income taxation of trusts 13:46

1y ago13:46

13:46

A common question for a grantor or a beneficiary of a trust is: “How will income in my trust be taxed?” The answer to that question can be complex and dependent on many factors, but there are some general rules for the federal income taxation of trusts that may help answer this important question.By CIBC Private Wealth US

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Analyst deep dive: The weight loss drug hype 15:22

1+ y ago15:22

15:22

CIBC Private Wealth senior healthcare analysts provide deeper insight into the most notable themes within healthcare innovation.By CIBC Private Wealth

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Inherited IRAs after SECURE 23:04

1+ y ago23:04

23:04

The SECURE Act and subsequent guidance from the IRS significantly changed how inherited individual retirement accounts (IRAs) must be withdrawn after the owner’s death. Understanding the key rules associated with inherited IRAs is important to anyone who is a beneficiary – or may become a beneficiary – of an inherited IRA.…

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Tangible personal property 15:33

1+ y ago15:33

15:33

Items of tangible personal property – jewelry, artwork, household furniture and the like – are often collected over a lifetime. Because of the sentiment these items might represent and the inability to easily divide certain pieces, personal items in an estate can often create the greatest source of conflict among beneficiaries. Fortunately, there a…

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Budgeting 101 20:47

1+ y ago20:47

20:47

Budgeting means creating a unique plan for spending and saving your money: it involves analyzing your income, expenses and financial goals to ensure that your spending aligns with your priorities. There are several steps you can take to create a custom budget for yourself.By CIBC Private Wealth US

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The Corporate Transparency Act 35:56

1+ y ago35:56

35:56

The Corporate Transparency Act is a law that goes into effect on January 1, 2024, and will impact many limited liability companies, limited partnerships and corporations. If you own or control an entity — whether for estate planning purposes or as an active business — it is important to know how this new law impacts you and how you can comply.…

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Philanthropic mission statements 14:15

1+ y ago14:15

14:15

A philanthropic mission statement can provide clear direction to you, your family and others about your charitable intentions and motivations. Considering your motivations for giving, giving styles and causes can help you craft that philanthropic mission statement, which will guide and inform your philanthropy – today and into the future.…

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Helping with a home purchase 18:45

1+ y ago18:45

18:45

The current high cost of housing and interest rates can make it difficult to purchase a home. Not surprisingly, individuals often wonder how they can assist a loved one in home ownership. Fortunately, there are several strategies to consider.By CIBC Private Wealth US

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Understanding community and separate property 14:37

2y ago14:37

14:37

When a married couple owns property, state laws may dictate how their property may be distributed at death or divided in a divorce. It is important to understand how your state of residence treats property ownership of spouses, especially if you are moving to a new state.By CIBC Private Wealth US

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Moving to a new state 8:30

2y ago8:30

8:30

There are many factors that prompt a move to a new state, including location of family, better climate and, of course, taxes. If you are moving from a higher-tax state to a lower-tax state, it can be particularly important to effectively establish your domicile in your new state.By CIBC Private Wealth US

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Planning for your modern family 14:46

2y ago14:46

14:46

“Family” is a powerful word, loaded with meanings and emotions. And today, family structures go far beyond historical legal and cultural definitions. For any of today’s families, the essential planning questions of yesterday still apply. In general, the special planning considerations for families that differ from “traditional” families fall into a…

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Protecting what is yours: financial risks of divorce 12:06

2y ago12:06

12:06

Prenuptial agreements shouldn’t be thought of as an exit plan for a marriage or “just” a legal document, but rather a conversation that can help a couple to understand what they could be facing in their marriage and decide for themselves how to handle their financial affairs. Certain considerations may help you decide if a prenuptial agreement is r…

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Protecting those you love: personal safety risk 9:12

2y ago9:12

9:12

There are many types of personal security risks that you and your family may face. Being aware of and managing such risks can help you feel empowered rather than fearful. The process for assessing your risk should follow a clear methodology that identifies areas of vulnerability, followed by a plan for eliminating or reducing those vulnerabilities.…

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Protecting what you have built: household, liability and online risk 12:39

2y ago12:39

12:39

Safeguarding family wealth requires recognizing, acknowledging and preventing exposure to risks—and risks come in all shapes and forms, including people, computers or legal actions. All have the potential to damage your financial security and your family’s wealth.By CIBC Private Wealth US

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Protecting who you are: reputation risk 6:58

2+ y ago6:58

6:58

Given the online world in which we live today, it can be easy for an individual's reputation to be damaged. Luckily, there are certain considerations that can help you protect your reputation.By CIBC Private Wealth US

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Protecting your wealth: asset protection 12:36

2+ y ago12:36

12:36

Asset protection may cover everything from how assets are owned and titled, to how they’re insured and protected, to how they can be efficiently managed. As you think about protecting your family's assets, there are some tactics that may be right for you and your family.By CIBC Private Wealth US

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Administering a loved one's estate 14:29

2+ y ago14:29

14:29

Most people have little experience dealing with estate administration and are often overwhelmed when they discover they’ve been appointed to oversee it. While there are many activities involved with administering an estate, you may be able to ease the burden by familiarizing yourself with the process.…

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Aging Wisely: An ever-changing healthcare system 11:24

2+ y ago11:24

11:24

At various stages of life—including, retirement, starting a new business, changing jobs, becoming Medicare-eligible—healthcare is one more decision point and understanding and managing it all can be a big undertaking. However, exploring a few topics can help you make better decisions about your healthcare today and in the future.…

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Aging Wisely: Cognitive decline in you or a loved one 11:07

2+ y ago11:07

11:07

An aging population is presenting new challenges to families and advisors alike. As we rise to meet these challenges, more attention is being paid to our aging population and its effects on society and individual relationships. Luckily, there is a wealth of resources as well as specific action items that can help smooth the path of inevitable chang…

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Aging Wisely: Your estate plan and its impact on your family 13:27

2+ y ago13:27

13:27

The most effective estate plan is one that covers all the basics in a very practical way throughout your life. While you don’t need to have significant wealth to need practical planning, you do need to have a vision for how you want your family taken care of. There are some practical planning steps that can help your estate plan be effective for yo…

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Incentive compensation 7:22

2+ y ago7:22

7:22

No matter where you are in your working life, it is important to understand how the various types of incentive compensation may fit into your overall wealth management and retirement plan. There are a few main types of incentive compensation—each with its own pros and cons relative to risk and return, taxes, vesting requirements and impact on your …

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Converting a traditional IRA to a Roth IRA (part 2) 11:16

2+ y ago11:16

11:16

Once you decide to convert a traditional IRA to a Roth IRA, the analysis has only just begun. By considering a variety of factors, you can determine the best way to tailor the Roth conversion to your circumstances and wealth planning goals.By CIBC Private Wealth US

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Converting a traditional IRA to a Roth IRA (part 1) 6:14

2+ y ago6:14

6:14

Both traditional IRAs and Roth IRAs are powerful savings tools, and it is important to determine with your advisors whether your current IRAs best fit your retirement plan. If you have a traditional IRA and are thinking about converting it to a Roth IRA, certain considerations may help you determine if it is the best option for you.…

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Retirement planning: Planning in retirement 12:25

2+ y ago12:25

12:25

When you are in retirement and need to start accessing your savings to fund your living expenses, it can be crucial to understand your spending options and the implications of each choice. There are several considerations that may help you determine how best to fund your lifestyle.By CIBC Private Wealth US

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Retirement planning: Planning closer to retirement 12:04

2+ y ago12:04

12:04

As you get closer to retirement, it is important to understand whether you are on target to achieve your goals. Putting together a financial plan -- and regularly revisiting it -- can help you assess your progress and provide the opportunity to make any necessary adjustments along the way.By CIBC Private Wealth US

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Retirement planning: Planning in your 20s and 30s 17:00

3y ago17:00

17:00

While retirement may seem far away when you are in your 20s and 30s, starting to plan during those earlier years can make a big difference. There are a few steps that you can take now to help your retirement be more successful in the future.By CIBC Private Wealth US

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Retirement planning: Introduction 7:44

3y ago7:44

7:44

For many, retirement is one of their most important goals, but planning how to get there can sometimes be overwhelming. Whether you are in your 20s, your 70s, or somewhere in between, answering a few questions may help you factor in the right information and begin your path to retirement planning.By CIBC Private Wealth US

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Decoding the complexities of obtaining a mortgage 29:43

3y ago29:43

29:43

Preparing to buy a home can be overwhelming, but our residential lending experts provide insights to ensure a smooth process. In this episode, Dan Sullivan, Head of Private Banking and Mortgages at CIBC Private Wealth US, and Christine DeSanto, Senior Mortgage Banker, discuss the complexities of jumbo loans, new construction loans and navigating mo…

1
Philanthropy: Charitable gift strategies 12:11

3y ago12:11

12:11

Whether you have only begun to consider incorporating philanthropy into your wealth plan, or already have well-defined goals and aspirations, a few strategies may help you effectively achieve your charitable giving goals.By CIBC Private Wealth US

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Philanthropy: Developing your path toward strategic philanthropy 9:08

3y ago9:08

9:08

A path to achieving a philanthropic goal must be actionable, yet flexible. When determining your philanthropic path, its important to articulate what you want your shared philanthropic venture to look like, and map out the steps to get there. There are often three steps that are involved in the process once you’ve identified your philanthropic caus…

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Planning opportunities in a rising interest rate environment 22:11

3y ago22:11

22:11

As interest rates begin to rise, now may be a good time to consider certain estate planning strategies that leverage lower interest rates. Implementing such a strategy and locking in a lower interest rate today may allow more wealth to be transferred at a reduced cost.By CIBC Private Wealth US

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Philanthropy: Finding your philanthropic cause 10:04

3y ago10:04

10:04

With strategic philanthropy, it's important to first determine a cause or purpose you and your loved ones want to gather around because supporting a specific cause allows you to focus both your time and money. Fortunately, there are questions to ask and steps to take that may help you and your loved ones identify which cause is most important to yo…

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Philanthropy: Incorporating philanthropy into your wealth plan 8:01

3y ago8:01

8:01

Philanthropy may be an important component of your wealth planning. A philanthropic giving plan can be implemented most effectively once you determine your goals, develop your personal philanthropic approach and get started.By CIBC Private Wealth US

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Privately Held Business: Selling in the future 7:52

3y ago7:52

7:52

It’s easy for personal financial planning to fall through the cracks when you’re trying to run a business and see the sale process through to completion. However, a large liquidity event can be life changing, especially with no plan in place. Before you head for the exit, there are considerations that may help you plan for the transition.…

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Privately Held Business: Selling outside the family 7:54

3y ago7:54

7:54

The decision of when and how to sell a privately held business is often based on three factors: economics, emotion and need. When a business owner eventually decides to exit the business and sell to a third party, the future can suddenly become very uncertain. If you’re thinking about selling your business to a third party, several considerations c…

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Energy and inflation entanglement 7:46

3+ y ago7:46

7:46

In our inflation series primer released in February, we answered client questions surrounding the biggest inflation surge in a generation. The inflation story has since been further exacerbated with the recent invasion of Ukraine, sending humanitarian, geopolitical and macroeconomic shockwaves throughout the globe. As we continue to see volatility …

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Privately Held Business: Transition to a family member 7:42

3+ y ago7:42

7:42

A challenge for any business owner is knowing when and how to transition leadership. If you run a family business, the decision can be even more complex as family harmony and relationships are often at stake. If you have a strong desire to keep your business within your family, certain considerations can help you prepare for a successful transition…

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Delaware: Comparison to other trust jurisdictions 5:26

3+ y ago5:26

5:26

Delaware has been at the forefront of trust law since the beginning of the twentieth century. Many states, including Alaska, Nevada, and South Dakota, have followed in Delaware’s footsteps to create flexible and useful environments for trust grantors. Still,the original value proposition created by Delaware offers distinct advantages over states th…

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Delaware: Benefits for your business 6:05

3+ y ago6:05

6:05

Trusts can offer broad flexibility for structuring and managing assets. If you’re considering transferring your interest in a privately held business to a trust, you’ll need to decide where to establish that trust. Delaware is often considered an ideal choice for the governing law of a trust that owns an interest in a privately held business.…

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Delaware: Benefits for your trust 8:18

3+ y ago8:18

8:18

When you’re creating a trust for the benefit of yourself or your family members, choosing the state law that will govern it has many implications and potential benefits for you and your beneficiaries. Delaware has long been the state law of choice for grantors. There are many reasons why Delaware law can benefit you and your family.…

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Funding the Next Generation's Education Expenses 10:53

3+ y ago10:53

10:53

If you have adult children, it’s natural to want to help them financially. Fortunately, there are strategies that may allow you to avoid paying certain taxes when funding education expenses. By understanding these strategies, you can select the ones that make the most sense for your family.By CIBC Private Wealth US

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Lifetime Gift Planning: Flexibility in trusts 7:36

3+ y ago7:36

7:36

While federal estate, gift and GST tax exemption amounts provide a significant incentive to review existing estate planning and consider implementing new planning strategies, it’s critical to consider the need for flexibility so that trusts can adapt to changing times, circumstances and tax laws. Maximum flexibility can help the next time the law o…

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Seeking Illumination? 1:04

3+ y ago1:04

1:04

Meet Senior Wealth Strategist Theresa Marx. In this podcast, Theresa explores a variety of wealth planning concepts with her colleagues to help you identify and accomplish your wealth planning goals.By CIBC Private Wealth US

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Lifetime Gift Planning: Real estate transfer strategies 8:00

3+ y ago8:00

8:00

Depending on your circumstances, gift planning with real estate can be an effective way to take advantage of your exemption amount without hurting your liquidity. Of course, there are many items to consider when transferring a piece of property to others, including the right structure, the terms, and the tax benefits. Fortunately, a few key strateg…

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Lifetime Gift Planning: Dynasty trusts 5:05

3+ y ago5:05

5:05

There are many reasons to make gifts to younger family members in trust for their benefit rather than outright. Some of the benefits include asset protection, tax planning, and family control. When creating a trust for many generations, one common strategy is a dynasty trust. Dynasty trusts have two unique aspects that make them an attractive wealt…

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Lifetime Gift Planning: Lifetime gifting strategies 12:59

3+ y ago12:59

12:59

When planning for the transfer of your wealth, you’ll likely be faced with an array of options. Whether you are leaving a treasured asset to a loved one or a legacy of trusts that will be used for future generations, specific strategies can be implemented to make the most of your assets.By CIBC Private Wealth US

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Estate Planning Fundamentals: Life insurance planning 10:17

3+ y ago10:17

10:17

A life insurance program, when structured and monitored properly, can play an integral role in your estate plan. If you’re considering purchasing a new policy—or wondering whether your existing policy meets all of your requirements—considering a few key factors can help you determine the best program for you and your family.…

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Estate Planning Fundamentals: Minimizing estate tax 7:19

3+ y ago7:19

7:19

While taxes may not be the primary driver of your estate plan, considering your tax planning options can benefit both you and your beneficiaries. Depending on your financial circumstances, the estate tax and generation-skipping transfer tax have the potential to significantly reduce your estate. Fortunately, there are a few strategies you can pursu…