CIBC Private Wealth Management Blog

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Firm News

CIBC U.S. Private Wealth Management Wins Two 2020 Private Asset Management Awards

Dave Donabedian, CFA
February 24, 2020

CIBC U.S. Private Wealth Management is pleased to announce that we received Private Asset Management (PAM) awards for Best High Net-Worth Investment Platform and Best Private Wealth Manager Over $5 billion—Performance. PAM , a leading financial services industry trade publication, announced the award on February 6 at a ceremony in New York. This is the tenth consecutive year that CIBC...

Firm News

Welcoming Lowenhaupt Global Advisors Team

Jack Markwalter
September 03, 2019

We are pleased to announce that Lowenhaupt Global Advisors (LGA), a leading family office with $1.8 billion under management and 17 employees in St. Louis and New York, has joined CIBC Private Wealth Management ( see press release ). The combination of our talented teams further builds on our firm’s ability to address the complex needs of ultra-high net worth, multi-generational families. ...

Firm News

CIBC Brings Together Private Wealth and Commercial Banking Teams in New Office Space in West Palm Beach and Tampa, Florida

Jack Markwalter
June 11, 2019

I am pleased to announce that on June 3, our Private Wealth team joined CIBC’s Commercial Banking team and relocated to new office space at 525 Okeechobee Blvd. in West Palm Beach, Florida. The firm is also brings together the Private Wealth and Commercial Banking teams into new office space at 100 North Tampa Street in Tampa, Florida as of today. While both Private Wealth and...

Firm News

CIBC Private Wealth Management Wins Private Asset Management’s Award for Best Investment Platform

Eric Propper, CFA
February 14, 2019

CIBC Private Wealth Management is pleased to announce that we have received Private Asset Management (PAM)’s award for Best Investment Platform—Performance. PAM, a leading financial services industry trade publication, announced the award on February 7 at a ceremony in New York . The PAM Awards recognize the top investment professionals, wealth advisers, legal firms, consultants and other...

Firm News

CIBC Extends Brand Across U.S.

Jack Markwalter
June 25, 2018

Today, we announce that CIBC Atlantic Trust Private Wealth Management has become CIBC Private Wealth Management. The same team our clients trust is backed by one of the strongest banks in North America with 150 years of providing exceptional client service. For nearly five years, CIBC has been investing in the U.S. and enabling us to build our private wealth business. Coming together under...

Firm News

CIBC Atlantic Trust Wins Private Asset Management’s Award for Best Investment Platform

Eric B. Propper, CFA
March 06, 2018

Download PDF We are pleased to announce that CIBC Atlantic Trust has received Private Asset Management (PAM)’s award for Best Investment Platform—Performance . The 2018 PAM Awards were announced last month at a ceremony in New York. This award—our sixth investment-related PAM award—is a significant accomplishment and reflects our unwavering commitment to investment...

Firm News

Talking Innovation with Futurist Jack Uldrich

Carolyn Donnelly
December 15, 2017

Download PDF We’ve been honored this year to have Jack Uldrich, a prominent futurist and author, as a keynote speaker for our CIBC Atlantic Trust Speaker Series, which took place in seven cities across the U.S. and attracted more than 700 attendees. Uldrich’s specialty is helping organizations develop the foresight necessary to build a successful future. His central premise is...

Firm News

Expanding Our Chicago Presence—Geneva Advisors Joins CIBC Atlantic Trust

John S. Markwalter Jr.
September 01, 2017

Download PDF We are pleased to announce that CIBC Atlantic Trust Private Wealth Management has completed its acquisition of Geneva Advisors , a private wealth management firm headquartered in Chicago. With the addition of Geneva, our firm now has more than 430 employees in 14 markets nationwide and approximately $40 billion in assets entrusted to our care. Together, Geneva...

Firm News

CIBC Announces Agreement to Acquire Geneva Advisors

John S. Markwalter Jr.
July 07, 2017

Download PDF We are pleased to announce today that CIBC will be acquiring Geneva Advisors , a private wealth management firm headquartered in Chicago with US$8.4B in assets under management and a team of approximately 100 client-focused employees ( see press release ). They will join our CIBC Atlantic Trust Private Wealth Management team when the transaction closes in the fourth...

Firm News

Expanding Our Firm’s Services

John S. Markwalter Jr.
June 26, 2017

Download PDF We are pleased to announce that CIBC has completed its acquisition of PrivateBancorp, Inc. and its subsidiary, The PrivateBank. Headquartered in Chicago, The PrivateBank is a high-quality, middle-market commercial bank. We expect this acquisition to benefit our clients by offering additional access to a full range of private banking, deposit and lending services. As...

Firm News

Linda Beerman Resumes Role as Head of CIBC Atlantic Trust’s Wealth Strategies Group

Eric B. Propper CFA
May 31, 2017

Download PDF We are pleased to announce that Linda Beerman has resumed her role as head of the CIBC Atlantic Trust Wealth Strategies Group . Linda has served 16 years with the firm as a leader in various roles, including chief fiduciary officer and as a member of the firmwide Operating Committee, in addition to her service as head of the Wealth Strategies Group, which she...

Firm News

2017 and Beyond: Oil & Gas Outlook Event Speaker Series

John Winslow
May 05, 2017

Texas has long been at the epicenter of all things energy-related, and the past several years have been challenging and volatile. With this in mind, CIBC Atlantic Trust held three events last week in Houston (the energy capital of the U.S.) and Dallas . These interactive, dynamic sessions involved more than 100 highly engaged participants. Speaking first was CIBC Atlantic Trust...

Firm News

Family Wealth Report Recognizes CIBC Atlantic Trust with Private Client Investment Platform Award

Eric B. Propper CFA
March 17, 2017

Kishore Setty, Paulina Mejia, Kyle Edmonds, and I attended the fourth annual Family Wealth Report (FWR) awards ceremony in New York on March 2 and proudly accepted the Private Client Investment Platform award on behalf of CIBC Atlantic Trust and our investment Team. This is the third consecutive year that CIBC Atlantic Trust has been recognized by FWR , a leading trade publication...

Firm News

CIBC Atlantic Trust Receives National Recognition at Private Asset Management Awards

Eric B. Propper CFA
March 09, 2017

My colleagues and I were pleased to accept two awards from Private Asset Management (PAM) magazine on February 13 at their annual ceremony in New York: Best Investment Platform – Performance Best Trusts and Estates Division This is the seventh consecutive year that CIBC Atlantic Trust has been recognized by PAM, a financial services industry trade publication. The...

Firm News

Announcing New Office Heads in Atlanta and New York

Eric B. Propper CFA
February 17, 2017

We are pleased to announce that Kishore Setty , CFA, and Scott Thompson , CTFA, were named heads of our New York and Atlanta offices, respectively. A great deal of thought and strategic planning went into these important leadership transitions, and they reflect a commitment to ensuring continuity and consistency with our management team. Atlantic Trust invests in our rising talent...

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G2G Impact

Why Insurance is Your Safety Net, Not an Investment

Jordan Sheiner
December 19, 2018

Our four-part series about setting and achieving your financial goals concludes with an in-depth look at insurance: how to get it and how to use it effectively. When you think of insurance, the words “health” or “car” are probably closely associated. For most young professionals, these are generally the first and only types of insurance that are needed for now. However, as objectives...

G2G Impact

G2G Impact: How to Control Your Credit So It Doesn’t Control You

Jordan Sheiner
December 11, 2018

Welcome to Part III of our four-part series about some of the strategies you can use to achieve your financial goals—both today and in the future. More than ever before, debt has found a way to creep into nearly all of our lives. Today, 70 percent of college students graduate with significant student loan debt, and the average American has a credit card balance of $6,375...

G2G Impact

G2G Impact Planning Foundations: Savings and Investments

Jordan Sheiner
December 04, 2018

Welcome to Part II of our four-part series about some of the strategies you can use to achieve your financial goals—both today and in the future. When it comes to building your financial roadmap, both savings and investments are core components of a sound path to retirement. The good news is that the Millennial generation is already great at saving —a result of having the importance of...

G2G Impact

G2G Impact Planning Foundations: Planning For Your Future

Jordan Sheiner
November 28, 2018

Welcome to Part I of our four-part series about some of the strategies you can use to achieve your financial goals—both today and in the future. Millennial this, millennial that. News outlets love to cover them, and brands have struggled to understand them, but the fact remains that millennials are finally starting to come into their own. In fact, millennials are now the largest...

G2G Impact

In Partnership: Using Two Strategies to Target Sweet Spots in the Market

Dave Donabedian, CFA
September 25, 2018

Mid-cap stocks are often referred to as the market’s sweet spot—they are typically less volatile than small-cap stocks but offer more growth potential than large caps. This combination has resulted in favorable risk-adjusted returns over time, which investors tend to seek. Yet, historically, mid-cap stocks have been largely overlooked. In the early 1990s, two investment teams began to...

G2G Impact

How Much Does It Cost to Raise a Child?

Shady Jadali
November 16, 2017

Download PDF The average cost of raising a child born in 2015 from birth to age 17 is projected to be $233,610, according to a recent study from the U.S. Department of Agriculture . That number varies based on the region of the country and each parent’s income level, but regardless, the point stands that having children comes with serious long-term financial obligations. Here’s a...

G2G Impact

Communication is the Key to a Healthy Family Wealth Culture

Ryan Christine Coulson
August 24, 2017

Download PDF Communication is the most vital component in any relationship, whether personal or professional because communication serves as the foundation of trust. However, achieving effective and constructive communication can be a challenge. As playwright George Bernard Shaw once said, “The single biggest problem in communication is the illusion that it has taken place.” ...

G2G Impact

5 Financial Priorities to Pass on to Your Kids

Halsey Schreier
July 18, 2017

Download PDF Helping your children make financial decisions is a good thing—you can point them in the right direction when they’re wondering if they can afford that car, which credit card to open or whether it’s a good idea to take out that loan. Helping them with decisions like these will teach them good financial practices— an undeniably necessary skill. However, it is even...

G2G Impact

How To Financially Prepare For A Job Transition This Year

John Switchenko
June 15, 2017

Download PDF Leaving a thankless job to pursue a better opportunity can be rewarding, but it can also be financially scary. Money is one of the main reasons people stay at jobs they don’t like, even if they could potentially earn more elsewhere. The comforts of benefits, a guaranteed paycheck, and familiarity are understandably hard to give up. Going through any job...

G2G Impact

What Does This "Me Generation" Really Want?

J. Kent Nossaman
May 18, 2017

Millennials (aka Gen Yers), as a group, don’t have the best reputation. They’ve been referred to as egotistical, shallow and lazy. But, let’s be honest—throughout time, hasn’t the younger generation typically been discredited? We’ve all heard the “When I was your age…” stories and the question, “What’s with kids these days?” Perhaps the generalizations about millennials is similar to...

G2G Impact

9 Important Financial Habits To Learn In Your 20s

Joe Waldvogel, CFP®, CAIA®
May 12, 2017

The 20s are the first truly formative decade of your financial life. Of course, you learn from examples around you growing up, and some people end up on their own financially at an earlier age. However, for the most part, your 20s are when you’re managing your money and making financial decisions independently for the first time. In this decade, not only is it important to gain confidence...

G2G Impact

How To Teach Your Adult Child Good Financial Practices

Katie Bullen
May 01, 2017

A 2013 Cambridge University study found that children form a portion of their money habits by the age of seven. As a result, those conducting this research recommend teaching your kids good financial practices as early as possible. If, however, your children are already grown and still haven’t quite found their financial footing, don’t despair. It’s never too late to start helping...

G2G Impact

6 Things You Should Consider Before Buying Your First Home

Tara H. Cohen
March 22, 2017

No matter how long you’ve been saving, buying your first house can be an enormous financial undertaking. But, it can also be a great investment in your financial future and potentially even the financial future of your children. If you can start the process already prepared with the financial documentation you’ll need, preapproval for a mortgage and savings to cover hidden costs, you’re well...

G2G Impact

6 Signs 2017 Is the Year to Monetize Your Hobby

Duncan Edwards CFP
March 15, 2017

Taking the leap from working at your hobby when it fits into your schedule to making money from that hobby is a significant commitment. However, if you have always wondered if your passion project could actually be lucrative, now may be the time to find out. If you’ve always had creative projects outside of work, but never made it into a career, or if you have made a certain product...

G2G Impact

Faith. Family. Friends. How a Family's Values Come to Life

Linda S. Beerman
March 01, 2017

While working with our client families, we have learned that families who are successful at transferring wealth to the next generations adhere to our G2G Impact 3 Principles: they integrate their family wealth planning, they evolve a healthy culture around wealth and they develop the rising generation family members. Central to all of these principles is a desire to transmit...

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Investments

COVID-19 and the markets: Addressing four big questions

Dave Donabedian, CFA
March 23, 2020

Are we in a recession, and how bad will it get? Officially, recessions aren’t declared until after they are over. But, we are assuming that a recession began in March. The disruption to businesses and employees created by social distancing, shelter-in-place orders and more draconian measures to come will have an increasingly negative impact on activity. In short, hibernation is not good for...

Investments

FOMC expands efforts to support the economy

Gary Pzegeo, CFA
March 23, 2020

The Federal Reserve’s actions to date, including a reduction in the overnight target rate to a range of 0.00% - 0.25% and a massive increase in the availability of dollars to fund inventories of Treasury and Mortgage-backed collateral, were thwarted by uncertainty over the economic repercussions of Covid-19 and an absence of credit market liquidity. The Fed cannot address the...

Investments

Equity Market Update in Response to COVID-19

Patricia
March 20, 2020

Yesterday, I provided an overview of the current state of the equity market and an update on how our equity teams are responding. To learn more, please listen to my podcast below: Learn more

Investments

The Federal Reserve Steps Up (Again)

Dave Donabedian, CFA
March 16, 2020

As often happens during crises, the big stuff happens over the weekend. At 5 P.M. EDT, on Sunday, the Federal Reserve (Fed) announced a huge and multifaceted monetary policy move along with another substantial liquidity injection (details below). Meanwhile, the trend in social distancing accelerated dramatically around the world. While these prudent measures are a hopeful development for the...

Investments

Financial Markets Update - Headwinds Intensify

Dave Donabedian, CFA
March 09, 2020

Concern over the economic and financial impact of the coronavirus turned to outright fear over the weekend. As a result, stock prices declined at the market open Monday morning. Here are key developments that led to this next leg down in equity markets. Coronavirus news flow An accelerating number of cases confirmed in the U.S. and many other countries. Credit markets On...

Investments

March Investment Bulletin

Bill Norris
March 05, 2020

February Key Drivers During the early part of February, improving macro economic data as well as slightly better-than-expected fourth-quarter earnings reports helped to boost U.S. equity markets to new highs. That all changed with the emergence of the coronavirus that started in China and has now spread to more than 60 countries, as communities and businesses shut down in an attempt to...

Investments

FOMC Cuts Policy Rates By 0.50% In a Rare Inter-meeting Move

Gary Pzegeo, CFA
March 03, 2020

The Federal Reserve surprised markets with the timing of its 50 basis point emergency rate cut. The sell-off in equities over the past few weeks led markets to expect a monetary response, including more than one rate cut by the next scheduled meeting on March 18th. Voting for the cut was unanimous and it followed a somewhat disappointing release from G-7 Finance Ministers and...

Investments

Fixed income Investing: Active Versus Passive Investing

Tim Musial, CFA
February 25, 2020

When we talk about the differences between active and passive investing, the conversation almost always revolves around equities. And while some arguments used for equities are the same for fixed income, there are notable differences, which tilt the advantage toward active investing. Our fixed income investment team wrote an article highlighting the differences between active versus passive...

Investments

ESG Investing: Why “Doing the Right Thing” May Be a Good Investment Idea

John Tennaro, CIMA®, CSRIC™
February 13, 2020

One of our primary objectives at CIBC Private Wealth is to monitor evolving trends in the investment markets and adapt our clients’ portfolios to try to benefit from them. Today, there may be no trend more captivating than environmental, social and governance (ESG) investing, which focuses on investing dollars in companies believed to be “doing the right thing.” In this day and age,...

Investments

IPO Markets

Brad Craig
February 06, 2020

This is part 1 of a two-part blog series on Initial Public Offerings (IPOs). In 2019, 149 companies priced IPOs, raising $46.3 billion, the largest being Uber ($8 billion). The record year was 2014, with over $80 billion in deals priced, of which the Chinese internet giant Alibaba ($25 billion) included in the total and largest on record. Visa is the second largest on record at $19...

Investments

February Investment Bulletin

Bill Norris
February 05, 2020

January Key Drivers After a good start to the year, geopolitical risks became the focus for investors in January, putting pressure on global equities and acting as a catalyst to push global interest rates lower. The increased tensions between Iran and the U.S. led to concerns of a broader conflict impacting oil prices and gold, but unease between the two countries tapered off by...

Investments

Fed on Hold, as Expected

Gary Pzegeo, CFA
January 29, 2020

The Federal Reserve left the range of policy rates unchanged at its January meeting and made a small adjustment to a rate paid on excess system reserves. In case anyone was concerned about its commitment to stability, the FOMC also left all but 2 or 3 of its 270+ word press release unchanged from its December 11, 2019 meeting. In the post-meeting press conference, Chairman Powell...

Investments

January Investment Bulletin

Bill Norris
January 06, 2020

Out with the old and in with the new. With 2019 behind us and a new year and decade ahead, there is no better time than now to commit to staying informed. Because we often learn from the past, having the right perspective is essential to knowing how to make sense of the world around us. But with so much information out there, it is easy to get overloaded and sometimes it is...

Investments

FOMC Leaves Rates Unchanged

Gary Pzegeo, CFA
December 11, 2019

As expected, the FOMC left their benchmark overnight rate unchanged at 1.50% - 1.75%, reiterating that “the current stance of monetary policy is appropriate to support sustained expansion of economic activity, strong labor market conditions, and inflation near the Committee’s symmetric 2 percent objective.” The statement’s description of the economy was unchanged from the prior meeting. The...

Investments

Understanding Your Private Equity Returns

Dan Criscuolo
November 20, 2019

Let’s lay out a common scenario for a high net worth client. A client sits down with their financial advisor to review the performance of their portfolio. First, they’re shown the performance of their stock portfolio and how it compares to relevant benchmarks (e.g., the S&P 500 Index). This all seems straightforward enough. Then the client reviews the private equity (PE)...

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Uncategorized

Volatility Returns

Dave Donabedian, CFA
October 12, 2018

Download PDF The S&P 500 has dropped over six consecutive trading sessions and is now 7% below the all-time high reached on September 20, 2018. This follows a strong third quarter (+7.2%)—the best in more than four years. Here is where U.S. equity returns stand on a year-to-date basis as of the market close on October 11, 2018: Factors Behind the Selloff While a...

Uncategorized

Investing in China

Ohm Srinivasan, CFA
September 26, 2018

Emerging markets have become volatile in recent months due to the conflict over global trade, especially as it becomes a showdown between the U.S. and China. Both rhetoric and action on this front have been and may continue to be highly unpredictable. The trade war could also have a ripple effect on global growth. At the same time, waiting for all of these macro issues to resolve themselves...

Uncategorized

Private Equity: Too Much Demand?

Kyle Leavitt
May 22, 2018

Download PDF This past year saw record levels of capital being raised by Private Equity (PE) funds. This was the result of more firms coming to market to raise funds and a seemingly universal increase in the size of each fund raised. The graphic below shows how substantial the increase has been in both fund size and the number of funds being raised. This influx of capital has been...

Uncategorized

Co-Investments: A Closer Look

Lester P. Duke, CFA
September 20, 2017

Download PDF Co-investing, also referred to as direct investing, is becoming a larger and more dynamic element of private market investing in recent years, and we believe the trend will accelerate over time. Here we provide a brief overview of what co-investing is, how it’s different from investing in a traditional private equity fund, its key advantages and special considerations...

Uncategorized

Is Inflation Whipped?

David L. Donabedian CFA
August 24, 2017

Download PDF In 1974, President Gerald Ford encouraged all Americans to wear "WIN" buttons (Whip Inflation Now) as a way to rally the country against the inflationary spiral that was causing major economic dislocations and rapidly rising interest rates. Fast forward to 2017, and today’s WIN button could stand for “Where’s Inflation Now?” Despite a long economic expansion, a...

Uncategorized

Investors Beware…Of Investors

Scott M. Burg, CFA, CAIA
June 29, 2017

Download PDF Last month’s investment article highlighted the debate surrounding active vs. passive investment, framed by the notion that most professionally managed funds have struggled to keep up with indices in recent years. This month, we continue our discussion, but with a different dimension of active management, looking at whether individual investors are successful in...

Uncategorized

It’s Never Too Early to Plan

Judith A. Saxe AEP®
June 29, 2017

Download PDF Summer is here, and your adult children may now be home from college, your child may be getting ready for his or her first post-college job or you may be helping a child prepare to leave for college for the first time. As a parent, you can use these opportunities to discuss some important estate and financial planning issues that develop as your child becomes an adult....

Uncategorized

Asset Allocation Committee Update

David L. Donabedian CFA
May 24, 2017

Download PDF At its May meeting, the CIBC Atlantic Trust Asset Allocation Committee (AAC) determined that a higher relative allocation to developed international equity markets is appropriate under current market conditions. Developed international markets consist primarily of equities in Europe and Japan, which comprise over 85% of the MSCI Europe, Australia, Far East Index...

Uncategorized

An Active Debate on Passive Investing

John Tennaro
May 24, 2017

Download PDF There have been many existential debates about the “optimal” way to invest: growth stocks vs. value stocks, international vs. U.S.-only portfolios, and the list goes on. This type of discussion tends to crop up after one type of investment outperforms another type for a period of time, which leads some to declare that today’s winner will remain superior for years to...

Uncategorized

What Is Artificial Intelligence and Why Should Investors Care?

Jigar Patel
March 30, 2017

We believe artificial intelligence is one of the most exciting and transformative opportunities on the horizon. The foundation of computing was built upon the idea of people instructing a computer regarding the processes it should perform. Computers behaved like calculators, crunching data without having the ability to make decisions. In recent years, however, technology has made...

Uncategorized

What’s the Deal with Private Equity? Understanding Private Equity Returns

Daniel Criscuolo
February 23, 2017

For some investors, private equity (PE) may be a bit of a mystery. Their only exposure might be a story in The Wall Street Journal, likely titled, “Is this the end of private equity?” While it seems that this article comes out every year, the asset class has been generating attractive long-term performance over multiple investment cycles, and we believe performance will be attractive for years...

Uncategorized

Surprise, Surprise

David L. Donabedian CFA
December 01, 2016

Both the Election and Market Reaction Confound the Consensus At its November meeting, the Atlantic Trust Asset Allocation Committee (AAC) focused on the economic and investment implications of the election results. We believe the unique nature of the incoming administration, along with the Republican Congress and “one-party rule” in Washington, will bring significant change to the policy...

Uncategorized

Year-End Tax Planning Checklist: What to Know

Ryan Christine Coulson
December 01, 2016

Every year we advise our clients to engage in routine, year-end tax planning. This planning is needed now, especially as we take President-elect Donald Trump’s proposed tax policies into consideration. With the new year quickly approaching, our Wealth Strategies Group has created the following checklist that may serve as a starting point for your year-end tax planning: ...

Uncategorized

Winners and Losers: Potential Election Impact on Market Sectors

W. Brant Houston CFA
September 27, 2016

In this very political season, investors are increasingly focused on how the November election will impact the investment environment for 2017. In the upcoming issue of The Advisor , our quarterly newsletter, we cover potential consequences for the tax code as well as the economic implications for trade policy. Aside from these major macro issues, there could be industry-specific policy...

Uncategorized

"Is It Over Yet?" Thoughts on the Election and Markets

David L. Donabedian CFA
August 30, 2016

More than a year after Secretary of State Hillary Clinton and businessman Donald Trump entered the presidential race, we still have over two months to go before Election Day. The “campaign season” has turned into a near-permanent state of affairs. A baby born on the day Clinton announced her candidacy will most likely be walking and talking by the election date, and a Major League...

Uncategorized

Creating Flexible Trusts in Uncertain Times

Judith A. Saxe AEP®
June 29, 2016

Attorneys and other advisors often recommend trusts to help manage and protect assets for the long term or to help achieve a certain tax benefit. If a trust is designed to be irrevocable, whether during life or after death, it is critical to consider whether it makes sense to add provisions that may enable trust modifications if necessary to adapt to changing times and circumstances....

Uncategorized

Negative Interest Rates: Paying to Save

Gary E. Pzegeo CFA
June 29, 2016

Exorbitant pricing has returned to markets, and not just in Silicon Valley or biotech stocks. Over the last several months, central banks in Europe and Japan have begun charging member financial institutions to store bank reserves anywhere from 0.1% to 0.4% of the value of those reserves. This has been called Negative Interest Rate Policy, or NIRP. The numbers are small, but the...

Uncategorized

3 Questions to Ask When Helping Aging Parents with Estate Planning

Carly Howard
May 25, 2016

What can you do to help your parents with their estate planning? It’s difficult to know what kind of “help” your parents may need—or when it’s the right time to step in—especially if your parents are reluctant to share information about their finances. Coordinating with your parents’ advisors is a great way to keep your finger on the pulse of your parents’ estate planning needs. ...

Uncategorized

Brexit: Will They Stay or Will They Go?

David L. Donabedian CFA
May 25, 2016

"Should the United Kingdom remain a member of the European Union or leave the European Union?" This is the question that British voters will answer in a June 23rd national referendum. As the vote approaches, this could be a source of volatility in global equity, fixed income and currency markets. ...

Uncategorized

A Look Inside the Green Book: The President’s Budget Proposals

Josh Miller CFP®
April 29, 2016

This year, the administration has put forth tax proposals that may change the current law. We earlier provided a summary of last year’s proposals, which can be found here . Below is a summary of the fiscal year 2017 Revenue Proposals submitted by the Obama administration that would affect individual taxpayers and future estate and tax planning strategies: ...

Wealth Strategies

Proactive Planning During a Time of Uncertainty and Volatility

Theresa Marx
March 22, 2020

While COVID-19 spreads in our world, our country and our communities, many may feel that they are only reacting to the news and circumstances surrounding them. But, there are ways to be proactive during this time as we socially distance ourselves and worry about our health and the health of those around us, as well as the volatility in the markets. From a planning perspective now is a good...

Wealth Strategies

The Digital Afterlife: Securing Your Digital Assets

Josh Miller, CFP®
March 05, 2020

What’s at risk? Advances in technology have outpaced many of the laws governing how we handle digital assets as they relate to estate planning. As more of our personal and financial lives are being stored online and in digital format, hidden assets can potentially affect not only the size of an inheritance, but there could also be tax consequences. As the rights to access digital...

Wealth Strategies

Cybersecurity – The Conversation that Is Missing from the Presidential Debates

Amanda Regnier
March 04, 2020

There is no doubt that advancements in technology are making the world we live in increasingly interconnected. Today, just about every aspect of how we live our lives—from how we communicate, store and transmit personal information, to the production systems and supply chains that are the backbone of our economy, and how we carry out geopolitical and national security—is dependent on the...

Wealth Strategies

Choosing the Right Fiduciary

Kimberly Dwan Bernatz
February 19, 2020

Over the next 25 years, 45 million U.S. households are expected to transfer $68 trillion to the next generation, according to Cerulli Associates. Given the wide use of trusts for estate planning purposes, it’s not surprising that the largest generational wealth transfer in history has resulted in increased trust litigation particularly surrounding the role of successor trustees. A successor...

Wealth Strategies

4 Gifting Strategies That May Work for You and Your Family

Judy Saxe, AEP®, CAP®
February 18, 2020

This is the third blog in a three-part series that focuses on effective philanthropy. Part 1: 3 Steps to Begin (or Continue) Philanthropy Part 2: 4 Steps to Create a Plan for your Philanthropy With a multitrillion-dollar intergenerational wealth transfer set to take place over the next few decades—and a significant portion of that wealth earmarked for philanthropic...

Wealth Strategies

Financial Planning Challenges & IPOs

Brad Craig
February 12, 2020

This is part 2 of a two-part blog series on Initial Public Offerings (IPOs). Read part 1: IPO Markets IPOs of common stock have generated enormous wealth for founders, investors and employees of emerging startup companies. Identifying an experienced wealth management team (Tax Accountant, Financial Planner, Investment Strategist, Trust & Estate Attorney) is critical to manage...

Wealth Strategies

4 Steps to Create a Plan for your Philanthropy

Judy Saxe, AEP®, CAP®
February 11, 2020

This is the second blog in a three-part series that focuses on effective philanthropy. Read Part 1: 3 Steps to Begin (or Continue) Philanthropy Developing a path to achieving a philanthropic goal can be challenging. The approach must be clear enough to be actionable, yet flexible enough to adapt to changing circumstances. To determine your philanthropic path, it’s important for...

Wealth Strategies

3 Steps to Begin (or Continue) Philanthropy

Judy Saxe, AEP®, CAP®
February 04, 2020

This is the first blog in a three-part series that focuses on effective philanthropy. Part 2: 4 Steps to Create a Plan for your Philanthropy Part 3: 4 Gifting Strategies That May Work for You and Your Family Philanthropic giving can be an expression of your beliefs and values, a way to connect with others in the community or with family, and an opportunity to create a...

Wealth Strategies

The SECURE Act: An Overview of What You Should Know

Theresa Marx
January 23, 2020

While the SECURE Act reforms are supposed to make saving for retirement more accessible for a greater number of Americans, there could be unintended consequences, especially for beneficiaries of inherited retirement assets. Required Minimum Distributions (RMDs) now start at age 72 Americans are living longer and working longer, and now they no longer have to start taking...

Wealth Strategies

Healthcare and Wealth Management—Two Sides of the Same Coin

Becky Milliman
October 22, 2019

Advances in modern medicine have made it possible for people to live much longer than ever before. Of course, this is great news. However, a longer life also heightens the risk of running out of money in retirement. This, combined with ever-increasing healthcare costs, paints a potentially dismal picture for many retirees. Indeed, healthcare spending has reached over $3.5 billion in the...

Wealth Strategies

In a Divorce, Equitable Doesn’t Always Mean Equal

Beth McRae Mayfield
October 15, 2019

No one goes into marriage thinking about splitting. Yet, statistics repeatedly show that roughly half of marriages end in divorce. For many divorcing couples, the signs of financial inequity present themselves well in advance of the divorce proceedings. Still, it’s natural to overlook them, especially when you’re not searching for trouble. Few divorce cases result in an even 50/50 split of...

Wealth Strategies

3 Considerations for Building Flexibility into Your Trusts

Theresa Marx
October 01, 2019

This is the fourth blog in a four-part series that focuses on estate planning strategies. When the Tax Cut and Jobs Act of 2017 (TCJA) was passed, it included a doubling of the federal estate, gift, and GST tax exemption amounts to $10 million, adjusted for inflation. As a result, in 2019, those exemptions are $11.4 million per individual. While the increased exemptions...

Wealth Strategies

3 Real Estate Transfer Strategies That May Be Right for You

Theresa Marx
September 26, 2019

This is the third blog in a four-part series that focuses on estate planning strategies. The estate and gift tax exemption is $11.4 million per person ($22.8 million for a married couple) in 2019. Depending on your circumstances, gift planning with real estate can be an effective way to take advantage of a large exemption amount without hurting your liquidity. Of course, there are many...

Wealth Strategies

2 Reasons Why a Dynasty Trust May be an Attractive Strategy

Theresa Marx
September 17, 2019

This is the second blog in a four-part series that focuses on estate planning strategies. 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. A dynasty trust is...

Wealth Strategies

5 Gifting Strategies That May Work for You and Your Family

Theresa Marx
September 12, 2019

This is the first blog in a four-part series that focuses on estate planning strategies. The Tax Cut and Jobs Act of 2017 has provided a valuable incentive to review existing estate plans and implement new family wealth transfer plans. 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...

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Showing 1 - 15 of 228 results.

Women's CIRCLE

Proactive Planning During a Time of Uncertainty and Volatility

Theresa Marx
March 22, 2020

Women's CIRCLE

The Digital Afterlife: Securing Your Digital Assets

Josh Miller, CFP®
March 05, 2020

Women's CIRCLE

Cybersecurity – The Conversation that Is Missing from the Presidential Debates

Amanda Regnier
March 04, 2020

Women's CIRCLE

Choosing the Right Fiduciary

Kimberly Dwan Bernatz
February 19, 2020

Women's CIRCLE

4 Gifting Strategies That May Work for You and Your Family

Judy Saxe, AEP®, CAP®
February 18, 2020

Women's CIRCLE

Financial Planning Challenges & IPOs

Brad Craig
February 12, 2020

Women's CIRCLE

4 Steps to Create a Plan for your Philanthropy

Judy Saxe, AEP®, CAP®
February 11, 2020

Women's CIRCLE

3 Steps to Begin (or Continue) Philanthropy

Judy Saxe, AEP®, CAP®
February 04, 2020

Women's CIRCLE

The SECURE Act: An Overview of What You Should Know

Theresa Marx
January 23, 2020

Women's CIRCLE

Healthcare and Wealth Management—Two Sides of the Same Coin

Becky Milliman
October 22, 2019

Women's CIRCLE

In a Divorce, Equitable Doesn’t Always Mean Equal

Beth McRae Mayfield
October 15, 2019

Women's CIRCLE

3 Considerations for Building Flexibility into Your Trusts

Theresa Marx
October 01, 2019

Women's CIRCLE

3 Real Estate Transfer Strategies That May Be Right for You

Theresa Marx
September 26, 2019

Women's CIRCLE

2 Reasons Why a Dynasty Trust May be an Attractive Strategy

Theresa Marx
September 17, 2019

Women's CIRCLE

5 Gifting Strategies That May Work for You and Your Family

Theresa Marx
September 12, 2019

— 15 Items per Page

Showing 1 - 15 of 228 results.