We serve Private clients and Institutions

Institutional Clients

Investing for institutions bound by policy and regulation requires clarity, responsiveness, access, and precision in reporting. We are backed by an experienced network of leading market and administrative experts to deliver on the exacting mandates of our clients.

Private Clients

We advise investors who require experienced leadership from their advisors to help them grow, protect, and transition their substantial wealth.

Apel Investment Group’s mission is to provide insightful, complete, confidential, and caring wealth management advice, and to target a competitive rate of investment growth and income. The tailored service we deliver reflects your personal and financial goals.

To help make your ambition a reality, clients enjoy access to a full range of investment and wealth management services, such as investment management, private and commercial banking, estate planning, tax strategies, trust creation, business succession planning and philanthropy, which we coordinate with your existing professional advisors.

Our motto is simple: be insightful, work hard, and be honest. We are discreet and do our utmost to help advance your financial position and peace of mind.

Your ambitions deserve unique solutions. We offer customized support and advice that can address all of your financial needs, including:

• Financial planning
• Investment advice 
• Registered savings solutions
• Estate planning
• Business transition planning 
• Charitable giving

Client Philanthropy

Charitable Foundation - directed by our clients

A Donor-advised fund is like having your own charitable foundation, but without the high costs and complexity. For our clients’ convenience, CIBC Wood Gundy has partnered with BenefAction Foundation, a public foundation registered with the Canada Revenue Agency (Registration No. 804213759RR0001).

Flexible and Impactful

Clients continue to manage and benefit from our professional investment advice while we take care of all the administrative responsibilities. It is easy to set up your charitable foundation fund with us;:

   1  Choose a name for your Fund

   2  Establish the fund with an initial contribution of investments, cash, life insurance policies or other property

   3  A charitable tax receipt will be issued for the value of your donation.

   4  Select the charities you would like to support.

   5  Your <insert Your Name> Fund will be invested and professionally managed by Apel Investment Group at CIBC Wood Gundy and administered by BenefAction Foundation. You will be able to monitor your Charitable Fund value and performance and receive reports outlining the granting activity

Create a legacy for future generations

You can personalize your legacy by naming your Fund (e.g., John Smith Foundation).

You can make donation to your Fund during your lifetime, and /or designate your Fund as a beneficiary in your Will to establish a long lasting legacy.

You can name your own successors or appoint BenefAction Foundation to carry on your family values and legacy in addition to the responsibilities of your Fund.

Maximized tax efficiency

You will receive immediate recognition for your generosity; a tax receipt will be issued at the time of the donation for the full market value of your contribution.

You can use the tax receipt immediately and do not have to wait until the funds are granted to the charities.

For gifts of appreciated securities, you can donate in-kind and realize the full value as a charitable donation without paying tax on any capital gains.

Assets grow tax-free within your Fund, providing additional assets available to be donated to charities in future years.

Doing a world of good

You can focus your giving on causes that matter to you. You can recommend which charities will receive the grants each year; there is no maximum to the grant amount and no fixed grant payment dates.

You can also increase the impact with a personalized donation page; invite family, friends and colleagues to get involved in your cause by making a donation to your Fund, and track how much has been raised.

Privacy

You can choose to remain anonymous when making grants to charities or receive recognition by disclosing your name, address and/or your Fund to grant recipients.

Integration with your overall wealth and estate plans

You can establish your Fund today and donate amounts in the future through a Will.

Ongoing professional management

You can rely on our expertise and our BenefAction Foundation philanthropic specialists for the ongoing investment management and administration of your Fund.