This information, including any opinion, is based on various sources believed to be reliable, but its accuracy cannot be guaranteed and is subject to change. CIBC and CIBC World Markets Inc., their affiliates, directors, officers and employees may buy, sell, or hold a position in securities of a company mentioned herein, its affiliates or subsidiaries, and may also perform financial advisory services, investment banking or other services for, or have lending or other credit relationships with the same. CIBC World Markets Inc. and its representatives will receive sales commissions and/or a spread between bid and ask prices if you purchase, sell or hold the securities referred to above. © CIBC World Markets Inc. 2020. If you are currently a CIBC Wood Gundy client, please contact your Investment Advisor. Nigel Newland is an Estate Planning Specialist with CIBC Wood Gundy. Clients are advised to seek advice regarding their particular circumstances from their personal tax and legal advisors. Insurance services are available through CIBC Wood Gundy Financial Services Inc. In Quebec, Insurance services are available through CIBC Wood Gundy Financial Services (Quebec) Inc.

My name is Fred Kyriazis, and I’m an Estate Planning Specialist with CIBC Private Wealth Management.

I’m a chartered accountant, and I specialize in corporate and personal tax planning. Over the years, my focus has been working with private business owners, owner managed businesses, professionals, farmers, in helping them to develop strategies to minimize the tax burden at various stages in their lives.

I’ve developed a certain skillset that not all planning specialists have, but it’s an important one. I think that taxes play an important role within an estate, and to have the expertise to talk about taxes and have the pulse on legislation and changes allows me to develop these strategies to minimize the tax bill at death, therefore maximizing the estate values that can benefit the next generation, or a charity, and in many cases both.

I believe that through our recommendations, we can bring peace of mind to individuals, and financial security to those who survive.