CIBC Private Wealth US

This is the second podcast in a six-part series that focuses on proactive planning strategies in a volatile market.

Do you have a traditional IRA that will produce ordinary income on distributions? Would you like to possibly mitigate income taxes on those distributions for yourself as well as your heirs?

There may be a silver lining for retirement savings and wealth planning during this time of uncertainty. The current market downturn is an opportunity to potentially save on income taxes and generate income tax free growth for retirement savings as markets recover.

Learn more about proactive planning during a time of uncertainty and volatility:
https://private-wealth.us.cibc.com/blog/-/blogs/proactive-planning-during-a-time-of-uncertainty-and-volatility

This is the first in a six-part series that focuses on proactive planning strategies in a volatile market.

Global pandemic fears, plunging stocks, the Fed’s emergency interest rate cut and a steep decline in 10-year Treasury yields wreaked havoc on many investment portfolios in recent weeks.

Regardless of how bleak the situation may appear, low stock prices and rock-bottom interest rates are creating potentially ideal conditions for certain wealth planning strategies. While increased market volatility can be unnerving for even the best investors, times like these can also present opportunities to implement wealth transfer strategies that can generate significant tax savings.  One such strategy is the grantor retained annuity trust (GRAT).

Learn more about proactive planning during a time of uncertainty and volatility:
https://private-wealth.us.cibc.com/blog/-/blogs/proactive-planning-during-a-time-of-uncertainty-and-volatility

The new podcast series, Wealth Your Way, is designed to help the younger generation learn about wealth planning strategies or supplement their current financial education on a variety of topics.

Read more in The Advisor magazine. 

Innovation in technology is moving forward at a remarkable speed. Just a few short years ago, the average person simply couldn’t conceive of 3-D printed houses, zerocarbon natural gas, brain-computer interface or swallowable medical devices.

- Phil Lorenz, CFA, equities analyst for CIBC Private Wealth.

Not all tech investment opportunities are as amazing as a 3-D printed house. Some are as ordinary looking as a metal box on a light pole, but with the promise of bringing about one of the biggest communication transformations we’ve seen. Here are three top trends in technology and the potential they offer.

Read more in The Advisor magazine. 

DIGITAL ASSETS: WHAT AND WHERE ARE THEY?

To settle an estate in the old days, an executor would wait a quarter or two to get paper statements that came in the deceased’s mail. Today, statements may all be electronic.

Digital assets, however, go beyond accounts with statements that may come via email. A digital asset also can be text messages, computer files, domain names you own, photos, voice mail messages, social media accounts, blogs, apps on your phone, file-sharing accounts, online dating accounts, doctors’ portals, loyalty program benefits, virtual items in gaming and even communications that are stored by the digital assistant Alexa.

Read more in The Advisor magazine.

Almost everything is negotiable during a divorce process, and every divorce has unique facts. Smart planning and careful consideration can help you move into the future with confidence.

As we age, we’re faced with a complex and confusing healthcare system. You can make better decisions by understanding more about the costs and trends in healthcare and putting healthcare strategies in place.

Populism: it’s confusing. It’s also an important geopolitical trend with significant implications for investors around the globe.