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CIBC Private Wealth’s podcast Financing your Future addresses some of the most frequently asked questions about private banking. Whether you are looking to secure a mortgage, manage liquidity or establish a line of credit, our banking experts offer high-quality solutions and wealth advice no matter what stage of life you’re in.
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Wealth Planning Illuminated

CIBC Private Wealth US

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Join the wealth strategists of CIBC Private Wealth as they shine light on the topic of wealth planning by sharing their insights and ideas on how to use wealth in ways that are important to you—whether for your own needs, the people you hold dear or the causes that you care about.
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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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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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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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“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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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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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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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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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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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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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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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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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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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…
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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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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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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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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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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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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 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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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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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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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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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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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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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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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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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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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…
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