Benefit from our services and solutions

Multi-currency cash management solutions

Our private banking team works with you to understand your short and long-term liquidity needs to facilitate seamless access to your funds.

  • Full-service banking for your everyday needs
  • Tailored deposit solutions for personal and non-personal funds including a laddered GIC portfolio, dual currency and floating rate notes, and special arrangements linked to Canadian prime and U.S. Base
  • Foreign currency and U.S.-Canada cross-border solutions

Multi-currency credit solutions

Our tenured private banking advisors work alongside seasoned credit specialists, to deliver innovative and customized credit solutions that help meet your liquidity needs.

  • Canadian dollar and U.S. dollar personal and non-personal credit solutions using a variety of collateral as security including real estate, insurance (front- and back-end), investment portfolios, single stocks, yachts and airplanes
  • Unique solutions tailored to entrepreneurs and professionals, including doctors, lawyers and accountants
  • Competitive pricing utilizing Canadian prime, U.S. Base, CORRA or SOFR, and swaps

Learn more about CIBC Private banking

Retirement and cash flow planning

Work with a wealth planning expert and your team of advisors to help you meet your short and long-term goals to optimize your wealth in retirement.

  • Developing a cash flow strategy to cover expenses
  • Generate income in retirement through various investment solutions

Business succession planning

We can help you prepare and guide your business succession plan, whether you’re contemplating a transfer of your business to family members or existing management, or selling to an outside party.

  • Develop a business succession strategy to help you achieve your vision for your business and your legacy

Tax and estate advisory

We can help you or your business by providing guidance on tax strategies through comprehensive tax and estate planning that considers your unique needs.

  • Structure your investments to take advantage of potential tax saving strategies
  • Plan the efficient distribution of your estate in accordance with your wishes

Strategic philanthropy

Let us help you optimize your giving strategy by extending your legacy to those in your community and beyond.

  • Achieve your philanthropic goals while considering beneficial tax incentives with The CIBC Wood Gundy Giving back program.
  • Enjoy ongoing professional management and integration with your overall wealth and estate plans.

Generational wealth transfers

Our team can help you organize and understand the intricacies of wealth ownership as we prepare your family to carry on your legacy.

  • Develop a plan for your wealth and prepare your family to receive it.

Capital Markets solutions

CIBC Capital Markets is a leading provider of mergers and acquisitions advisory, debt and equity financing, corporate banking, trading, hedging and research.

  • Leverage in-depth industry knowledge with comprehensive corporate banking and investment banking capabilities to help you get the most from the market.

Full-service investment advisory

Enjoy tailored advice on investment decisions and portfolio construction through a relationship with a CIBC Wood Gundy Investment Advisor.

  • Get access to a broad range of wealth management strategies including asset management, structured solutions, alternative investments, traditional bonds and equities and corporate business solutions.

Discretionary and managed portfolios

Our discretionary managed portfolios offer a thoughtfully selected platform of global investment solutions that match your unique investment needs.

  • Access managers from around the world with an expertise in a variety of investment styles, asset classes and geographic diversification. 
  • Work with CIBC Private Investment Counsel to develop a customized discretionary portfolio from a wide array of CIBC segregated portfolios and pooled funds.

Cross-border investment counsel

Enjoy the customized services and expert guidance you've come to expect if you're moving to the U.S to work or live.

  • Access managers with expertise in a variety of investment styles, asset classes and geographic diversification
  • Collaborate with partners from Canada and the U.S. to ensure every aspect of your plan is geared towards growing and protecting your wealth

Self-directed investing

Benefit from the option to supplement your investment portfolio with CIBC Investor’s Edge self-directed digital trading platforms.

  • Explore in-depth investment research to help you make informed decisions with a CIBC Investor's Edge account
  • Enjoy the flexibility to make choices as part of a hybrid approach to investing

Executor and trustee appointments

Administering an estate or trust can be stressful and time-consuming. Benefit from professional support by including CIBC Trust in your estate plan.

  • Avoid burdening your loved ones with sole responsibility of executor duties while they grieve. As part of your plan, you have the option to appoint CIBC Trust as one of your executors or trustees.

Power of attorney appointments

Managing a loved one's financial affairs can be daunting. You can appoint CIBC Trust as your Attorney for Property, so you know your personal finances are in good hands, allowing you and your loved ones to focus on your health care.

  • Access specialists with expertise in investing, banking and taxes who will make objective and educated decisions when managing your financial well-being and supporting your healthcare plan, or on behalf of a loved one.

Agent for estate, trust and power-of-attorney

Appoint the CIBC Trust team to act as an agent on your behalf, while remaining in complete control of key decisions.

  • Let our representatives guide you with the responsibility of your trust, executor or power-of-attorney duties to ensure the professional and timely fulfillment of your obligations. We can help you manage the day-to-day administration while you maintain control of all decisions.

Insurance counsel and solutions

Work with an advisor and Estate Planning Specialists to get comprehensive advice and services that can give you peace of mind.

  • Build a strategy tailored to you that protects you and your beneficiaries.

Meet with a  CIBC Private Wealth advisor