CIBC Private Wealth Management Blog
Josh Miller, CFP®
G2G Impact

Wealth Your Way Podcast: Charitable Planning - When Fortune Smiles on You, How Do You Smile Back?

Josh Miller, CFP®
November 27, 2018

If there are causes you feel strongly about that you wish to support financially, charitable giving is likely an important consideration when setting your near- and long-term financial goals. While donating money to your favorite charities can be as simple as writing a check, there are various other options available to you for making charitable contributions that may reduce your current and...
G2G Impact

Podcast: Basic Gift and Education Planning - Your Guide to College and Other Savings

Josh Miller, CFP®
November 01, 2018

Although giving and receiving gifts is a tradition that most people have participated in their entire lives, you may not often think about how gifting can be beneficial from a financial planning perspective. However, gifting can be a great way to transfer assets tax-free during your lifetime to reduce both your taxable estate and the potential estate taxes, thereby increasing the amount of...
G2G Impact

Podcast: Estate Planning - You Are Never Too Young to Start

Josh Miller, CFP®
October 02, 2018

The two absolutes we can count on in life are death and taxes, yet planning for these two things can be an unpleasant process. Many young adults delay creating a will until they are married or have children, but you can also ensure that your parents, siblings, or other loved ones are provided for by naming them as beneficiaries of your assets. You may also choose to designate certain...
G2G Impact

Podcast: Life Insurance Basics: Who Says You Can’t Buy Love?

Josh Miller, CFP®
September 04, 2018

Risk management is an important component of any financial plan and that includes having the right insurance to protect against potentially expensive and untimely events. Knowing when to purchase health, auto, or homeowner’s insurance is generally straightforward, but life insurance can be more ambiguous, especially for young adults just achieving financial independence. With many types of...
G2G Impact

Podcast: Marriage and Finances: Loving union, legal contract

Josh Miller, CFP®
August 07, 2018

Prenuptial agreements often have a negative connotation associated with them, but they can be very beneficial for many couples considering marriage. While typically not the most romantic topic of conversation, entering into this type of agreement can provide the extra layer of protection you need to safeguard your assets or the wealth your family has worked hard to create and preserve.  ...
G2G Impact

Podcast: Mortgage Basics: Is Homeownership Right for You?

Josh Miller, CFP®
July 10, 2018

Download PDF   Knowing the right time to buy a home is not as straightforward as it was when our parents and grandparents were going out on their own. Today, many young adults are waiting longer to buy their first homes, preferring to rent and spend or invest their money elsewhere. While owning has its advantages, it also comes with many trade-offs. Understanding the pros and cons of...
G2G Impact

Podcast: Achieving Financial Independence With a Savings Plan

Josh Miller, CFP®
May 08, 2018

Download PDF   Even with only a little to set aside each month, young professionals are often curious about how to strategically save extra cash to achieve financial security. Financial independence requires creating and sticking to a reasonable budget and developing a disciplined savings plan. Whether you want to purchase a new car or home, are thinking about starting a family soon,...
Wealth Strategies

Data Security Plays an Important Role in Wealth Preservation

Josh Miller CFP®
October 05, 2017

Download PDF   On Sept. 7, credit reporting giant Equifax announced a data breach said to affect as many as 143 million Americans. That’s not the first time the company has reported an attack from hackers. What does it say about data security in the digital age when a company in the business of handling the most sensitive personal financial data suffers a hack of such magnitude? ...
Wealth Strategies

Teachable Moments to Develop the Rising Generation

Josh Miller CFP®
May 16, 2017

Being a parent means that you are responsible for innumerable things—many of which you may not have realized prior to having children. In addition to providing for, fulfilling the needs of, disciplining, encouraging and guiding your children, as a parent, you also serve as your children’s first teacher, and while the lessons change based on their age and maturity levels, the learning really...
Wealth Strategies

When Should You Start Taking Social Security Benefits?

Josh Miller CFP®
July 29, 2016

  Social Security is a broad topic with a lot of different nuances, and many of our clients often have questions about when they should begin taking benefits. In today’s blog post, I want to help answer some of those questions and provide some clarity around what the different options are with respect to Social Security today.     When we're talking about Social...
The Connection

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:     ...
Firm News

Atlantic Trust Advisors Attend 2016 Heckerling Institute

Josh Miller CFP®
February 24, 2016

  Twenty-five Atlantic Trust professionals attending the 50th Annual Heckerling Institute on Estate Planning January 11-15 in Orlando, Florida, took advantage of educational and networking opportunities, learned the latest thinking on industry issues and had a chance to review current and evolving industry technology, products and services.         ...
Wealth Strategies

Living and Dying in a Digital World

Josh Miller CFP®
August 05, 2015

In addition to our lives in the “real world,” many of us also maintain assets in the digital realm. But in keeping up with the constant barrage of password changes, the opening and closing of online accounts and the latest trends on social channels like Facebook, Twitter and LinkedIn, probably few of us stop to think about how these assets fit into our overall estate plans. Given the...
Uncategorized

Permanent Estate and Tax Planning Strategies – Maybe Not?

Josh Miller CFP®
March 11, 2015

  Permanent Estate and Tax Planning Strategies – Maybe Not?     The federal government’s annual budgeting process is once again underway now that the President’s proposal for fiscal year 2016 has been submitted to Congress.     Among other things, the administration’s $3.9 trillion proposal targets certain estate, gift and generation-skipping...