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CIBC Private Wealth Management includes CIBC National Trust Company (a limited-purpose national trust company), CIBC Delaware Trust Company (a Delaware limited-purpose trust company), CIBC Private Wealth Advisors, Inc. (a registered investment adviser)—all of which are wholly owned subsidiaries of CIBC Private Wealth Group, LLC—and the private wealth division of CIBC Bank USA. All of these entities are wholly owned subsidiaries of Canadian Imperial Bank of Commerce.

This document is intended for informational purposes only, and the material presented should not be construed as an offer or recommendation to buy or sell any security. Concepts expressed are current as of the date of this document only and may change without notice. Such concepts are the opinions of our investment professionals, many of whom are Chartered Financial Analyst® (CFA®) charterholders or CERTIFIED FINANCIAL PLANNER™ professionals. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.

There is no guarantee that these views will come to pass. Past performance does not guarantee future comparable results. The tax information contained herein is general and for informational purposes only. CIBC Private Wealth Management does not provide legal or tax advice, and the information contained herein should only be used in consultation with your legal, accounting and tax advisers. To the extent that information contained herein is derived from third-party sources, although we believe the sources to be reliable, we cannot guarantee their accuracy. The CIBC logo is a registered trademark of CIBC, used under license.

USA PATRIOT ACT COMPLIANCE. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions, including CIBC Private Wealth, to obtain, verify and record information that identifies each person who opens an account. Accordingly, we will ask for a Client’s name, address and date of birth, and other information that will allow us to verify the identity of our Client. CIBC Private Wealth may require a Client to provide appropriate identification in its sole discretion. When providing such information, a Client represents and warrants that all information he/she provides to us to conduct initial verification and on-going monitoring as required by law is accurate and genuine.

Investment Products Offered are Not FDIC-Insured, May Lose Value and are Not Bank Guaranteed.

Private banking solutions are offered through CIBC Bank USA, Member FDIC and  ​ Equal Housing Lender. CIBC Bank USA and CIBC Private Wealth Group, LLC are both indirect, wholly owned subsidiaries of CIBC. CIBC Private Wealth Group and its subsidiaries do not provide, and are not responsible for, the products and services offered by CIBC Bank USA. CIBC Bank USA (Bank) will not pay employees of CIBC Private Wealth Group or its subsidiaries for referring clients to Bank, but to the extent permitted by applicable laws and regulations, the referral of clients to Bank for eligible products or services may be considered by CIBC Private Wealth Group in determining discretionary compensation to employees. All loans and other extensions of credit are subject to prior approval.

The opinions expressed by CIBC Private Wealth professionals featured by various publications reflect their views based on current market conditions and other circumstances and are subject to change without notice. CIBC Private Wealth is not affiliated with any of these publications.