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

Apel Investment Group

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Address 21 King Street West Suite 600 Hamilton ON, L8P 4W7
Telephone Number (905) 523-9433
Email Email us
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DISCOVER A BETTER WAY

For nearly thirty years Apel Investment Group is earning the trust and confidence of our valued clients.

 

CIBC Private Wealth Management was established to meet the unique needs of high-net-worth clients by integrating private banking, investment management and trust solutions though comprehensive financial planning and specialized advisory capabilities. Today, Private Wealth Management plays an important role in CIBC’s overall advisory offer, employing over 450 individuals across Canada and managing nearly $20 billion in assets. At Private Wealth Management, we believe in a holistic approach to wealth management, incorporating all aspects of clients' financial affairs to provide an integrated plan to help grow and preserve their wealth. Our services include:​

  • Private Banking and Credit Manageme​nt​​: We create customized banking solutions based on your needs, from simple day-to-day banking to complex cash and credit manage​ment solutions.
  • Portfolio Management and Investment Advice: Since 1905, generations of Canadians have relied on the expertise of CIBC Wood Gundy Investment Advisors to manage their financial futures. Our exclusive discretionary and premium portfolio management services allow for personalized advice and tailored investment strategies to meet your financial objectives. We draw on the expertise and capabilities of CIBC Capital Markets as well as the financial strength of the CIBC Group of companies. Central to the integrated CIBC Private Wealth Management approach, our advisors are well positioned to access and deliver integrated wealth management solutions to High Net Worth individuals and families across Canada.
  • Financial Planning: We provide a wealth management plan that reflects your priorities and focuses on helping you achieve your financial goals.
  • Executor and Trustee Services: With expertise in estate and trust administration, property management, investment management and tax preparation, we can help you preserve and protect what is important to you.

 

Please contact us for a Confidential review or a second opinion, and discover a better way, today and for your next twenty years. Yves direct line is 905-523-9433 or toll-free 866-222-0610. You can also contact follow him on Twitter or contact him at yves.apel@cibc.com

 

Apel Investment Group

Puvana Murugesu

Puvana Murugesu

Client Associate
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Renas Peshdary

Renas Peshdary

Administrative Assistant
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Harsh Chahal

Harsh Chahal, CIM®

Financial Associate
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Yves Apel

Yves Apel

Senior Investment Advisor
LinkedIn
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Puvana Murugesu

Puvana Murugesu

Client Associate
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Renas Peshdary

Renas Peshdary

Administrative Assistant
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Harsh Chahal

Harsh Chahal, CIM®

Financial Associate
LinkedIn
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Yves Apel

Yves Apel

Senior Investment Advisor
LinkedIn
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Puvana Murugesu

Puvana Murugesu

Client Associate
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Learn more
 

Exclusive, results-driven wealth counsel

We offer complete investment and wealth management advice services. When you invest with us, we invest the time to understand you, your business, and your unique needs. You can trust us to provide thoughtful leadership to help you achieve your personal and financial goals. The tailored service we deliver reflects our deep and up-to-date recognition of your personal and financial goals.

 

We lean on CIBC specialists to bring you access to private and commercial banking, estate planning, tax strategies, trust creation, business succession planning and philanthropic strategies, which we will coordinate with your existing professional advisors.

 

Our motto is very simple: be insightful, work hard, and be honest. We hope you recognize our commitment to our clients as we do our utmost to advance your financial position.

 

A personal insured retirement strategy is used to maximize retirement income for individuals who are concerned about taxes reducing their income. Upon retirement, an individual can access the policy’s cash value to supplement their retirement income.

 

The insured annuity strategy provides a low-risk, tax-efficient solution if individuals are concerned about low fixed income returns. This strategy is a combination of an annuity and permanent life insurance. The annuity provides tax-efficient cash flow for life. The life insurance policy returns the original invested capital tax-free to beneficiaries.

This strategy is ideal for individuals between the ages of 65 and 80 who want to maximize their retirement income and preserve capital.

 

An Immediate Finance Arrangement (IFA) is an arrangement in which an individual or corporation purchases an exempt life insurance policy and deposits money into the policy in excess of what is needed to fund the insurance and policy charges. The policy is then used as collateral to secure a loan for alternative investment purposes.  Professional advice from your tax professional is required to determine the best way to structure this arrangement.

 

A corporate estate preservation strategy provides business owners with a cost-effective way of preserving capital and enhancing the value of their estate. By using a portion of your business’ passive corporate assets to fund a life insurance policy, you can take advantage of tax-deferred growth within the life insurance policy.

This strategy is best used for shareholders of a private corporation with surplus capital not required to operate the business.  The corporation is looking to grow their corporate surplus in a tax-efficient environment, as well as seeking a cost-effective strategy to distribute the corporation’s locked-in surplus to shareholders.

 

A corporate insured retirement strategy allows a key person or shareholder in a business to utilize a life insurance policy as collateral.

 

A buy-sell agreement is part of a shareholders’ agreement between business partners. The agreement sets out how each partner`s shares will be purchased or redeemed upon their death or disability. This purchase is typically funded by life and disability insurance on the partners. It ensures a smooth transition and ready market for the shares without jeopardizing the business’s financial health, the disabled partner, or a deceased’s dependents.

 

Key person insurance is a corporate policy used to protect businesses from decreased profits or additional costs associated with a key employee`s death or illness. This life insurance strategy is typically used to compensate a corporation for expenses, lost sales or other cash flow changes that arise on the loss of an important employee.

 

Long-term care insurance is a living benefit specifically designed to help individuals who develop chronic-care needs. As advances in health care have extended the average life span, the risk of outliving retirement capital is increasing.

Long-term care insurance helps mitigate this risk by paying a regular tax-free benefit.  It provides flexible payment options, which will ease the financial burden on you, and your family.

 

Critical illness insurance is a living benefit product that protects against loss of income and depletion of savings used to fund critical illness treatments. As a form of health insurance, it generally pays a tax-free, lump-sum benefit if an individual is diagnosed with an illness that is covered under the permitted illnesses. The insurance benefit can be used for a variety of expenses, such as covering treatments, funding private care or paying for specialized medical needs.

Critical illness  insurance allows an individual to focus on their health while helping to protect against the financial burden of health care costs.

 

Disability insurance is a living benefit product used to protect you against injury or illness that results in a loss of earned income. Disability insurance replaces lost income (generally on a tax-free basis) if an individual becomes disabled and unable to perform their day-to-day job. Disability insurance can provide financial security and a continuous standard of living.

Disability Insurance can provide coverage for individuals in a wide range of occupations. A few benefits to disability insurance for small business owners include reimbursement for certain business expenses, fund buy-sell agreements, assistance in hiring a replacement employee, and protecting profitability.

 

 

Every element is designed to support your goals

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Investment management

Benefit from rigour and discipline through market cycles with a suite of investment solutions aligned to your goals.

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Private banking 

Experience sophisticated banking expertise and services that deliver your unique financial vision and strategy.

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Wealth planning

Access specialized expertise to structure, preserve and optimize your wealth.

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Estate and trust

Access solutions for some of life's most significant decisions and shape your lasting legacy.

Learn more
 

Our partners

We partner with CIBC experts to help address all of your wealth needs.

 

Updates

 

Contact us

Address

Apel Investment Group Address
21 King Street West
Suite 600
Hamilton, ON L8P 4W7
Telephone number: (905) 523-9433
Toll-free: 1 (866) 222-0610
Fax: (905) 526-4716
 

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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.