Wealth Planning Illuminated header



Wealth Planning Illuminated episodes

Latest episodes

Join the wealth strategists of CIBC Private Wealth as they shine light on the topic of wealth planning by sharing their insights and ideas on how to use wealth in ways that are important to you—whether for your own needs, the people you hold dear or the causes that you care about.

June 6, 2024

Demystifying new job paperwork

Starting a new job at any age or stage may leave you feeling overwhelmed by the new-hire paperwork and benefit selections offered by your employer. Understanding and properly completing employment-related tax and benefit elections can be a key factor to success on your financial journey.

Listen now21 minutes

May 2, 2024

Private foundations v. donor-advised funds

Both private foundations and donor-advised funds can be effective personal charitable vehicles. While they both allow for strategic giving and an opportunity to create a charitable legacy, they have important differences to consider when deciding which type of charitable vehicle may be right for you and your family.

Listen now19 minutes

April 4, 2024

Income taxation of trusts

A common question for a grantor or a beneficiary of a trust is: “How will income in my trust be taxed?” The answer to that question can be complex and dependent on many factors, but there are some general rules for the federal income taxation of trusts that may help answer this important question.

Listen now13 minutes

March 7, 2024

Inherited IRAs after SECURE

The SECURE Act and subsequent guidance from the IRS significantly changed how inherited individual retirement accounts (IRAs) must be withdrawn after the owner’s death. Understanding the key rules associated with inherited IRAs is important to anyone who is a beneficiary – or may become a beneficiary – of an inherited IRA.

Listen now23 minutes

February 1, 2024

Tangible personal property

Items of tangible personal property – jewelry, artwork, household furniture and the like – are often collected over a lifetime. Because of the sentiment these items might represent and the inability to easily divide certain pieces, personal items in an estate can often create the greatest source of conflict among beneficiaries. Fortunately, there are several actions you can take today to help avoid – or at least minimize – conflict later.

Listen now15 minutes

January 4, 2024

Budgeting 101

Budgeting means creating a unique plan for spending and saving your money: it involves analyzing your income, expenses and financial goals to ensure that your spending aligns with your priorities. There are several steps you can take to create a custom budget for yourself.

Listen now20 minutes

December 7, 2023

Corporate Transparency Act

The Corporate Transparency Act is a law that goes into effect on January 1, 2024, and will impact many limited liability companies, limited partnerships and corporations. If you own or control an entity — whether for estate planning purposes or as an active business — it is important to know how this new law impacts you and how you can comply.

Listen now36 minutes

November 2, 2023

Philanthropic mission statements

A philanthropic mission statement can provide clear direction to you, your family and others about your charitable intentions and motivations. Considering your motivations for giving, giving styles and causes can help you craft that philanthropic mission statement, which will guide and inform your philanthropy – today and into the future.

Listen now14 minutes

October 6, 2023

Helping with a home purchase

The current high cost of housing and interest rates can make it difficult to purchase a home. Not surprisingly, individuals often wonder how they can assist a loved one in home ownership. Fortunately, there are several strategies to consider.

Listen now19 minutes

September 21, 2023

Understanding community and separate property

When a married couple owns property, state laws may dictate how their property may be distributed at death or divided in a divorce. It is important to understand how your state of residence treats property ownership of spouses, especially if you are moving to a new state.

Listen now15 minutes

September 7, 2023

Moving to a new state

There are many factors that prompt a move to a new state, including location of family, better climate and, of course, taxes. If you are moving from a higher-tax state to a lower-tax state, it can be particularly important to effectively establish your domicile in your new state.

Listen now9 minutes

May 19, 2023

Planning for your modern family

“Family” is a powerful word, loaded with meanings and emotions. And today, family structures go far beyond historical legal and cultural definitions. For any of today’s families, the essential planning questions of yesterday still apply. In general, the special planning considerations for families that differ from “traditional” families fall into a few main categories.

Listen now15 minutes

May 4, 2023

Protecting what is yours: financial risk of divorce

Prenuptial agreements shouldn’t be thought of as an exit plan for a marriage or “just” a legal document, but rather a conversation that can help a couple to understand what they could be facing in their marriage and decide for themselves how to handle their financial affairs. Certain considerations may help you decide if a prenuptial agreement is right for you.

Listen now12 minutes

April 20, 2023

Protecting those you love: personal safety risk

There are many types of personal security risks that you and your family may face. Being aware of and managing such risks can help you feel empowered rather than fearful. The process for assessing your risk should follow a clear methodology that identifies areas of vulnerability, followed by a plan for eliminating or reducing those vulnerabilities.

Listen now9 minutes

April 6, 2023

Protecting what you built: household, liability and online risk

Safeguarding family wealth requires recognizing, acknowledging and preventing exposure to risks—and risks come in all shapes and forms, including people, computers or legal actions. All have the potential to damage your financial security and your family’s wealth.

Listen now13 minutes

March 16, 2023

Protecting who you are: reputation risk

Given the online world in which we live today, it can be easy for an individual's reputation to be damaged. Luckily, there are certain considerations that can help you protect your reputation.

Listen now7 minutes

March 2, 2023

Protecting your wealth: asset protection

Asset protection may cover everything from how assets are owned and titled, to how they’re insured and protected, to how they can be efficiently managed. As you think about protecting your family's assets, there are some tactics that may be right for you and your family.

Listen now13 minutes

February 16, 2023

Administering a loved one's estate

Most people have little experience dealing with estate administration and are often overwhelmed when they discover they’ve been appointed to oversee it. While there are many activities involved with administering an estate, you may be able to ease the burden by familiarizing yourself with the process.

Listen now15 minutes

February 2, 2023

Aging Wisely: An ever-changing healthcare system

At various stages of life—including, retirement, starting a new business, changing jobs, becoming Medicare-eligible—healthcare is one more decision point and understanding and managing it all can be a big undertaking. However, exploring a few topics can help you make better decisions about your healthcare today and in the future.

Listen now11 minutes

January 19, 2023

Aging Wisely: Cognitive decline in you or a loved one

An aging population is presenting new challenges to families and advisors alike. As we rise to meet these challenges, more attention is being paid to our aging population and its effects on society and individual relationships. Luckily, there is a wealth of resources as well as specific action items that can help smooth the path of inevitable change.

Listen now11 minutes

January 6, 2023

Aging Wisely: Your estate plan and its impact on your family

The most effective estate plan is one that covers all the basics in a very practical way throughout your life. While you don’t need to have significant wealth to need practical planning, you do need to have a vision for how you want your family taken care of. There are some practical planning steps that can help your estate plan be effective for you and your family as you age.

Listen now13 minutes

December 1, 2022

Incentive compensation

No matter where you are in your working life, it is important to understand how the various types of incentive compensation may fit into your overall wealth management and retirement plan. There are a few main types of incentive compensation—each with its own pros and cons relative to risk and return, taxes, vesting requirements and impact on your investment portfolio.

Listen now7 minutes

November 17, 2022

Converting a traditional IRA to a Roth IRA (part 2)

Once you decide to convert a traditional IRA to a Roth IRA, the analysis has only just begun. By considering a variety of factors, you can determine the best way to tailor the Roth conversion to your circumstances and wealth planning goals.

Listen now11 minutes

November 4, 2022

Converting a traditional IRA to a Roth IRA (part 1)

Both traditional IRAs and Roth IRAs are powerful savings tools, and it is important to determine with your advisors whether your current IRAs best fit your retirement plan. If you have a traditional IRA and are thinking about converting it to a Roth IRA, certain considerations may help you determine if it is the best option for you.

Listen now6 minutes

October 20, 2022

Retirement planning: Planning in retirement

When you are in retirement and need to start accessing your savings to fund your living expenses, it can be crucial to understand your spending options and the implications of each choice. There are several considerations that may help you determine how best to fund your lifestyle.

Listen now12 minutes

October 6, 2022

Retirement planning: Planning closer to retirement

As you get closer to retirement, it is important to understand whether you are on target to achieve your goals. Putting together a financial plan -- and regularly revisiting it -- can help you assess your progress and provide the opportunity to make any necessary adjustments along the way.

Listen now12 minutes

September 15, 2022

Retirement planning: Planning in your 20s and 30s

While retirement may seem far away when you are in your 20s and 30s, starting to plan during those earlier years can make a big difference. There are a few steps that you can take now to help your retirement be more successful in the future.

Listen now17 minutes

September 1, 2022

Retirement planning: Introduction

For many, retirement is one of their most important goals, but planning how to get there can sometimes be overwhelming. Whether you are in your 20s, your 70s, or somewhere in between, answering a few questions may help you factor in the right information and begin your path to retirement planning.

Listen now8 minutes

Podcast footer

You can find additional episodes wherever you listen to podcasts



Apple, the Apple logo, iPhone, iPad, Apple Pay, Apple Watch, Mac and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Google Play and the Google Play logo are trademarks of Google LLC

All Spotify trademarks, service marks, trade names, logos, domain names, and any other features of the Spotify brand ("Spotify Brand Features") are the sole property of Spotify or its licensors.