Wealth strategies

Integrated Wealth Strategies

When asked what we mean by holistic wealth planning, we often say that, in addition to investment management, we help our client families consider how they want to use the wealth that has been created.

Simplifying Complexity

From close to a century of working with affluent families, through legacy firms, we know that there are universal concerns about wealth that bring complexity to wealth ownership. But we also know how to demystify this complexity.

With much experience, we have learned that our clients’ goals for wealth fall into three primary categories: 1) Client—meet your lifestyle needs, 2) Children and Descendants—plan your family legacy, and 3) Philanthropy—fulfill your charitable vision.

Our wealth strategies method is a process that ultimately presents a simplified picture of your wealth plan, helping you understand what you have in place and where changes are needed to make the plan reflect your current and future vision. The picture becomes our road map, and working with your other advisors—accountants and attorneys—we move your plan from where it is today to where you want it to be in the future.

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Goals for Wealth Lifestyle Needs
  Current Financial Considerations Planning for the Future Risk Management Entity Management  
  Annual Tax Review Saving Concepts Financial Self-Defense Financial Entity Structure  
Concentrated Holdings Taxable and Non-Taxable Accounts Personal Security Investment Management
State Domicile Social Security Asset Protection Cash Flow Administration
Medicare Surtax Medicare and Long-Term Care Prenuptial Agreements Customized Reporting
Cash Flow, Credit and Budgeting Incapacity Cybersecurity  
Year-End Estate Plan Checkup      
  Estate Planning Effective Philanthropy Business Transition Next Gen Education Family Stewardship  
  Overall Wealth Plan Review Strategic Plannning Facilitated Family Discussions Tuition Payments Financial Education  
Basic Estate Documents Charitable Trusts Plan for Transition Trusts Principles for Success  
Annual Exclusion Donor-Advised Funds   529 Plans Preparing the Rising Generation  
Life Insurance Private Foundations     Engaging Family Through Philanthropy  
Dynasty Trusts          
Real Estate          
  Trust Administration Trust Information and Education Estate Settlement  
  Manage Liquid Assets and Oversee Illiquid Assets Types of Trusts Executor and Personal Representative Services  
  Carry Out Stated Terms of Trust Choosing a Trustee Family Estate Settlement Guidelines  
  Balance Interests and Beneficiaries Beneficiary Education Navigating the Financial Impact of Loss  
  Provide Trust Accounting and Reporting Delaware Trusts    

Linda S. Beerman

Head of Wealth Strategies, CIBC Private Wealth Management

“You’ve done the planning. You’ve listened to your advisor, lawyer, accountant—they’ve talked to you about taxes until your eyes glazed over. You’ve done everything that you can to take advantage of all the exclusions, exemptions and credits to move your wealth down to the next generation. But there’s a little voice in your head that says, ‘What does this all mean? Are my children and grandchildren going to be ready for this? What’s going to happen when I’m not here to guide them? What is the purpose of wealth beyond money?’ We welcome these conversations.” Contact Linda

Wealth Strategies Resources

Estate Planning Fundamentals

Estate Settlement

Income Tax Planning

Legacy Planning

Lifetime Gift Planning

Retirement Planning

Family Wealth Preservation

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Organized, Simplified Wealth and Legacy Planning

The best wealth management solution is always centered on you and your family—it’s about what you need, not about what we have to offer. And the best approach is with an integrated team that brings you and your family, our wealth strategists and investment team together, under the guidance of your wealth advisor. Throughout your relationship with our firm, all parties will work closely to discover, guide and ultimately deliver a holistic wealth strategy.

Step 1

Organize and Visualize


  • Review existing assets, liabilities and legal documents
  • Understand unique circumstances
  • Define multi-generational family strategy
  • Clarify any significant expenses/purchases

Step 2

Evaluate and Simplify


  • Assess current situation in simple flowchart visual
  • Discuss preliminary planning strategies
  • Summarize estate plan issues

Step 3

Collaborate and Implement


  • Integrate investment and wealth transition processes
  • Maximize the strategies’ effectiveness and tax efficiency
  • Team with outside advisors to implement plan
  • Consider updates as circumstances change

Get in touch

Questions about our firm

Contact Judith A. Saxe, AEP®, CAP®, Director of Research and Education, Wealth Strategies.

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