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

Danisi Financial Group

  • HOME
  • WHO WE ARE
    • Our Team
    • Our Value Proposition
    • Our Process
    • The Network Effect
    • Our Client Commitments
  • WHO WE SERVE
    • Individuals & Families
    • Entrepreneurs
    • Not-For-Profits & Foundations
  • HOW WE HELP
    • Financial Planning
    • Investment Management
    • Retirement Planning
    • Insurance
    • Estate & Tax Planning
  • OUR OFFERING
    • Products
    • Services
  • MARKET INSIGHTS
  • CONTACT US

Estate & Tax Planning

Address 1 Place Ville Marie Suite 4125 Montreal QC, H3B 3P9
Telephone Number (514) 282-6857
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Estate & Tax Planning

Estate Planning

Having a succession plan and an updated will can save your beneficiaries a lot of trouble. We can help you plan efficiently.

To ensure that your wishes are respected, you must have a succession plan and an updated will. This will help avoid many difficult issues for your beneficiaries.

To do so, you must:

  • Define the objectives of your succession plan.
  • Determine your wishes (beneficiaries, asset distribution, tutors, etc.).
  • Establish the financial needs of your beneficiaries, such as your children's education, your mortgage payment plan, etc.
  • Evaluate your needs in case of incapacity.
  • Minimize the tax burden and maximize the cash flow available for your loved ones.

Estate Planning Process

  • Will & Power of Attorney
  • Tax Consideration
  • Joint Ownership & Beneficiary Designations
  • Charitable Giving

The Value Of a Personalized Plan An estate plan will allow you to:

  • Plan the steps and ensure the transfer of your assets at your death, according to your wishes.
  • Maintain your family's quality of life in the short and/or long term.
  • Reduce probate fees (no probate fees in Quebec) and optimize taxation on revenues.
  • Anticipate funeral costs and allow your loved ones to mourn without having to deal with administrative formalities.
  • Plan charitable donations, if appropriate.
  • Appoint those who will carry out your wishes in case of incapacity.

There are very few certainties in life, but unfortunately, death is one of them. It can happen at any time, and even if it is inevitable, its aftermath can be completely planned. Doing nothing or waiting until it is too late is certainly not in the best interest of your family or your business.


Tax Planning - Minimizing Your Tax Burden

Taxes are one of life's certainties, but there are ways to minimize your tax burden, at the time of the initial investment and upon its disbursement.

Imagine having the chance to receive an income without having to pay taxes. You probably already know what you would do with this newfound wealth. While having to pay taxes is a certainty, there are several investment strategies that can help you minimize your tax burden, whether at the time of the investment or upon its disbursement.

Capital gains and investment income are taxed differently depending on the investment product you use. With good planning, you can ensure you choose investment vehicles that reflect your tax situation so that you can grow your wealth more efficiently.

 
 
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CIBC Private Wealth” consists of services provided by CIBC and certain of its subsidiaries through 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. CIBC Private Wealth services are available to qualified individuals. 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.