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CIBC Private Wealth, Wood Gundy CIBC Private Wealth, Wood Gundy

Gerstel Wealth Management Group

  • Home
  • Unlock the Benefits
  • Meet the Team
  • Working With Us
    • Our Services
    • Growth & Savings Opportunities
    • Planning for Your Future
  • Hear From Our Clients
  • Tips for Success
    • Access Exclusive Monthly Insights
    • Other Resources
  • In the Media

Growth & Savings Opportunities

Address Brookfield Place Suite 600 181 Bay Street Toronto ON, M5J 2T3
Telephone Number (416) 369-8177
Email Email us
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Minimizing Hidden Costs

Don't Leave Money on the Table

There are a number of "pieces" in your "financial puzzle" that need to be optimized to unlock your financial potential.

 

However, with many areas to cover, it can be easy to miss out on opportunities for growth and savings. 

 

Because these missed opportunities don't show up on your statement as a cost, it's important to proactively identify areas to enhance your return - or keep more of the return you earn. Some key examples include optimizing your estate, taking advantage of registered accounts, implementing strategies to reduce tax liability, improving cash flow efficiency, and minimizing the impact of emotional decision-making.

 
Middle aged couple reviewing documents with their advisor.

Holdcos for investment purposes

Many Canadians own investment portfolios through a holding company (a “Holdco”) for a variety of reasons. But how are income and gains earned on investments held inside the Holdco taxed?

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Estate preservation and enhancement

An estate plan sets out who you’d like to receive your property upon your death. Done properly, this plan takes into account how the various assets you own should be transferred so that as much of your estate value as possible is preserved for your beneficiaries.

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Building family wealth with registered plans

Registered plans can have a big impact on family wealth.

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The strategic use of trusts

For many families, trusts can play an integral role in the planning process.

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Charitable gifts: wills vs. beneficiary designations

The pros and cons of naming a charity in your will versus designating the charity as a beneficiary of a registered plan.

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CIBC Private Wealth consists of services provided by CIBC and certain of its subsidiaries: CIBC Private Banking; CIBC Private Investment Counsel, a division of CIBC Asset Management Inc. (“CAM”); CIBC Trust Corporation; and CIBC Wood Gundy, a division of CIBC World Markets Inc. (“WMI”). CIBC Private Banking provides solutions from CIBC Investor Services Inc.(“ISI”), CAM and credit products. Insurance services are only available through CIBC Wood Gundy Financial Services Inc. In Quebec, insurance services are only available through CIBC Wood Gundy Financial Services (Quebec) Inc.


CIBC Private Wealth services are available to qualified individuals. The CIBC logo and “CIBC Private Wealth” are trademarks of CIBC, used under license.