CIBC Private Wealth Management Blog
Art Graper, CFP®
Wealth Strategies

Year-End Tax Planning Checklist: What You Need to Know

Art Graper, CFP®
December 18, 2018

Year-end tax planning should be a part of everyone’s financial routine. The checklist from our Wealth Strategies Group, included below, serves as a starting point. As always, we encourage you to speak with your CIBC Private Wealth Management advisor and outside tax advisors to help ensure that you are taking full advantage of all year-end tax savings opportunities . Income Tax ...
Wealth Strategies

Election 2016: A Look at the Candidates’ Tax Platforms

H. Arthur Graper CFP®
October 19, 2016

  While every part of a presidential candidate’s platform has the potential to affect individual lives, few things are quite as personal as taxes . This year, the candidates’ proposals affect how much could be contributed to a tax-qualified retirement plan, whether municipal bond income will be taxed, the possibility of a new minimum tax and a host of other things.    ...
Wealth Strategies

Reviving Charitable Remainder Trusts

H. Arthur Graper CFP®
July 27, 2016

  When it comes to estate and tax planning, philanthropy provides an opportunity to leave a legacy or fulfill a personal passion. Among the available giving strategies, Charitable Remainder Trusts (CRTs) are unique because of their ability to pay donors an annual income stream and satisfy charitable desires at the same time. This is because the trust’s remainder passes to one or more...
Wealth Strategies

The 2016 Social Security Changes You Should Know About

H. Arthur Graper CFP®
February 18, 2016

  It came literally in the dead of night. A 3:00 a.m. vote by the U.S. Senate in early November on the bill to extend the country’s borrowing authority included a significant add-on change to Social Security that caught many by surprise—and is bringing new complexities to the question “When should I start claiming Social Security benefits?”     But first, it’s...
Wealth Strategies

Dynasty Trusts: Keeping It in the Family

H. Arthur Graper CFP®
January 15, 2016

  Gifting assets outright is often an attractive strategy because of the simplicity, efficiency and relatively low risk involved. However, there may be times when it is more advantageous to make a gift to a younger family member in trust rather than outright. These advantages may include asset protection, tax planning and family control.     Before we get into the...
Wealth Strategies

Supporting Education for the Next Generation

H. Arthur Graper CFP®
September 16, 2015

  With school back in session, many parents are reminded of the considerable costs associated with securing a quality education for their children and grandchildren. As these parents look further into the future, they know projected college costs will be even higher for those yet-to-be-born children and grandchildren.     The good news is that there are many ways to...