Podcasts about cibc

Here are three reasons why you should listen to this episode:Understand how Canadian businesses can prepare for generational wealth transition.Gain practical tips on business succession, valuation, and managing complex family dynamics.Reflect on the emotional side of entrepreneurship and how legacy planning shapes the future.ResourcesCIBC's "Smart Advice" Podcast and Website - Website | Apple Podcast | SpotifyVisit CIBC for more Smart AdviceIain Gallagher: LinkedIn | CIBC ProfileEpisode Highlights[00:31] The Changing Landscape of Canadian BusinessCanada's business environment has undergone several changes in recent years.Entrepreneurs have faced challenges from the pandemic, supply chain disruptions, inflation, and staffing shortages.Despite uncertainty, Canadian businesses continue to show strength and adaptability.Iain Gallagher believes that resilience and optimism still define today's entrepreneurs.[03:28] A New Generation of EntrepreneursMore Canadians than ever aspire to start their own businesses.Younger entrepreneurs are blending creativity with technology to reshape traditional industries.Many are bringing fresh perspectives through lifestyle, wellness, and tech-driven ventures.Iain highlights the growing impact of immigrant entrepreneurs on Canada's business growth.[06:07] Building the Foundations of a Modern BusinessToday's business owners must embrace technology from day one.Digital tools now drive marketing, sales, and operations, reducing costs and improving efficiency.Strong financial systems are vital to support decision-making and sustainable growth.Iain explains how modern entrepreneurs can scale faster by leveraging digital solutions.[07:49] The Great Transition: Preparing for Business SuccessionA large wave of Canadian business owners plans to retire within the next decade.This generational shift poses both risks and opportunities for the economy. It also presents personal challenges for some entrepreneurs.Iain emphasizes the need for families to have open discussions about business succession plans.Preparing early helps avoid rushed transitions and protects the value of the business.[09:40] Iain: “What we really try and encourage our clients to do is have those conversations and really talk about what everyone's goal is and what's the best way of achieving that.”[10:24] Business Succession and Sales ReadinessEven if a sale is years away, owners should start preparing now.Iain outlines three key steps: strengthen financial reporting, delegate management, and share client relationships.Letting go of control allows teams to grow and businesses to operate independently. Many entrepreneurs misunderstand the true value of their business, making preparation even more critical.[12:20] Iain: “As the business matures, grows, the number of people you have working for you increases. Owners really have to take a step back.”Strong financial systems, clear reporting, and solid management make a company more attractive and valuable to buyers.[15:27] The Emotional Side of Letting GoSelling a business is deeply personal for most entrepreneurs.Owners often see their company as part of their identity and community.Iain discusses the emotional attachment and the importance of defining success beyond price.Planning for employees' future and preserving the founder's legacy helps ease the emotional transition.[18:09] What Makes a Transition WorkA smooth business succession comes from preparation, clarity, and self-awareness.Owners must decide what they want their role to be after the sale.Iain compares selling a business to selling a home. Presentation and readiness matter to potential buyers.Making small operational and financial improvements can significantly boost value.[20:38] The Value of Expert GuidanceThe right advisors can make or break a transition.Iain stresses the importance of having accountants, lawyers, and M&A experts involved early.[21:43] Iain: “We couldn't do what many entrepreneurs do, but similarly, they can't do what we do. So we really encourage people to get the right advisors around them and identify them early on, because again, never want to think of an entrepreneur, business owner, a family, being pushed into transactions when they're not prepared.”Long-term relationships with trusted advisors help owners make informed decisions.A strong advisory team ensures both the business and shareholders are ready when the opportunity to sell arises.[23:16] From Business Owner to Wealth StewardSelling a business creates a new financial reality for entrepreneurs.Many owners need guidance to manage newfound wealth and plan for the next phase.Iain explains how collaboration with financial planners, tax experts, and family members can align goals.[26:09] Reflecting on the Entrepreneurial JourneyCarissa closes the episode by highlighting the dedication and resilience of Canadian business owners.Early planning and honest conversations can make every transition smoother and more meaningful.Each step, from preparation to letting go, helps shape a lasting legacy.Thoughtful decisions today can secure success for both current and future generations.Connect with Carissa Lucreziano on LinkedIn.About Iain GallagherIain Gallagher is the Managing Director and Head of Mid-Market Investment Banking at CIBC. With more than 25 years of experience, he has helped Canadian entrepreneurs navigate business succession, sales, and transitions. He focuses on helping owners realize the full value of their companies. Iain also ensures that the legacy they've built is protected. His experience covers industries like manufacturing, distribution, technology, and services.Known for his thoughtful approach, Iain understands the emotional side of every business transition. He also recognizes the financial complexity that comes with it. He works closely with families and founders to ensure each step of the process reflects their goals and long-term vision.  Through his leadership, he supports the next generation of Canadian business owners. He helps them plan with confidence, grow their businesses, and adapt to change.Connect and learn more about Iain Gallagher on his LinkedIn.Enjoyed this Episode?If you did, be sure to subscribe and share it with your friends!Post a review and share it! If you enjoyed tuning in, leave us a review. You can also send this to your friends and family. Business ownership in Canada is changing as many entrepreneurs prepare to pass on what they've built. This shift brings both opportunity and challenge. Each choice can shape the future of the business and those who run it. With business succession planning and the right guidance, every transition can lead to lasting success.Have any questions? You can connect with me on LinkedIn or through CIBC's Facebook,or Instagram.Thanks for tuning in! For more updates, visit our website. You can also listen to more amazing episodes on Spotify or Apple Podcasts.

Hadlen x Savio JosephSavio Joseph, a first-generation Indian-Canadian from Brampton, Ontario, is not just a magician he's a phenomenon. From a young age, he was captivated by the mysteries of magic and turned that fascination into an extraordinary craft that leaves audiences spellbound. With expertise in mentalism, hypnosis, pickpocketing, and sleight of hand, Savio has developed a style that is as unique as it is unforgettable, spending his school years perfecting his skills and turning free time into a workshop for the impossible.Today, Savio is a master of his art, delivering experiences that are not just memorable they're unexplainable. His relentless pursuit of wonder has earned him features in MacLean's magazine, TEDx, CTV, Breakfast Television, and the Social. He's amazed audiences for top corporations like Tiktok, CIBC, and Electro Federation and left celebrities like Grammy-nominated Jessie Reyez, Cordae, Serge Ibaka, Andrew Schulz, and Marvel superhero Simu Liu (Shang Chi) completely astonished.But his magic doesn't stop there. Savio made history as the first magician ever to become a finalist on Canada's Got Talent. Week after week, he captivated millions of viewers and a star-studded panel of judges, proving that his magic isn't just a performance it's an experience.Driven by a passion to spread the wonder of magic, Savio Joseph brings a spark of amazement to every stage he steps on. He crafts moments that erupt into laughter, ignite thought-provoking conversations, and etch lasting memories into the hearts of those who witness his art. Ready to have your mind blown? Savio Joseph is here to redefine your reality.In this episode we speak about:- Touring with magic- Letting go of ego- Persistence in your art and much moreConnect with Savio here: https://www.saviojoseph.com/Music by Saul the Singer: https://saulthesinger.com/For more info on Hadlen, visit https://www.hadlen.com/

Here are three reasons why you should listen to this episode:Gain insight into the practical and emotional complexities of intergenerational wealth transfer, including the rise of living gifts.Discover how wills and estate plans are key to ensuring your wishes are respected and your family's future is protected, along with strategies on having open family conversations about inheritance.Learn why financial independence matters and how the younger generation can build wealth beyond inheritance.ResourcesCIBC's "Smart Advice" Podcast and Website - Website | Apple Podcast | SpotifyVisit CIBC for more Smart AdviceRichard Voss: LinkedIn | CIBC ProfileEpisode Highlights[00:20] The Great Wealth Transfer in CanadaCanada is seeing the largest intergenerational wealth transfer in its history.Richard Voss, Director of Wealth Strategies at CIBC, brings years of experience helping families manage the emotional and financial sides of passing on wealth.Gifting wealth while still alive is becoming more popular as Canadians live longer and want to see the impact of their generosity.Many people inherit at older ages, but financial support might have been more useful earlier in life.Giving during one's lifetime can strengthen family relationships and create meaningful opportunities for the next generation.[02:45] Richard: “And so the question then arises, could a gift have been more effective and valued if they had received it at an earlier age? And I would argue, the answer to that is a resounding yes.”[03:44] Why Having a Will MattersDespite the increasing number of people planning to make a wealth transfer, nearly half of Canadians still don't have a will.Richard breaks down why this gap exists, from discomfort discussing mortality to the belief that “it can wait.”[05:38] Richard: “Making a will is so important because it provides guidance to your survivors and your executors on how you want your assets divided. It reduces conflicts as your instructions are captured in a clear way and are formally recorded in a legal document.”A clear and legal will ensures your wishes are respected. Without one, provincial laws decide how assets are divided, which can lead to unintended and costly outcomes.However, a will alone is not an estate plan. Richard explains that a complete plan also includes powers of attorney and beneficiary designations.Every family's situation is unique, and creating a complete plan ensures both financial and emotional peace of mind.[09:17] Starting Family Conversations About Wealth TransferTalking about wealth transfer, inheritance, and legacy can be uncomfortable, but it is necessary.Richard recommends regular family meetings to maintain transparency and consistency.[10:28] Richard: “Having everyone together is better than having separate one on one conversations. It allows for consistency and continuity and the ability to ask questions both ways.”Establishing ground rules helps create a safe, judgment-free space for everyone to share their thoughts.These conversations can strengthen family understanding, align values, and prevent future misunderstandings.[13:42] Building Financial Independence for the Next GenerationRising costs of living mean many young Canadians can't rely on inheritance alone for financial security.Richard shares practical steps, starting with living within their means and saving with purpose.He outlines the 20/50/30 approach: 20% to savings, 50% to fixed expenses, and 30% to discretionary spending.The focus, he says, should be on developing strong habits early and working with financial advisors to build long-term wealth.[17:40] The Role of Advisors and Ongoing Financial PlanningCarissa reflects on Richard's advice and emphasizes the importance of consistency and professional support.Together, they highlight how collaboration with a trusted advisor can help Canadians stay on track with financial goals.Richard encourages those living at home or with fewer expenses to take advantage of the opportunity to save more.Commitment and consistency are key to achieving financial goals and building confidence over time.[20:10] Managing and Making the Most of an InheritanceRichard advises taking time to pause after receiving an inheritance, especially if it comes from a loss.It is also beneficial to take the time to reflect, especially after the loss of a loved one..For significant inheritances, he recommends creating or updating a financial plan with professional advice.Even a modest inheritance can strengthen financial stability when used to reduce debt or invest for the future.[22:32] Planning the Future, One Step at a TimeCarissa closes the episode by emphasizing that planning for the future takes time and patience.Even small steps, like writing a will or starting family discussions on wealth transfer, can make a meaningful difference.The key is to start early, involve loved ones, and seek professional guidance when needed.Thoughtful planning today can build stronger financial foundations for generations to come.About Richard VossRichard Voss is the Director of Wealth Strategies at CIBC Private Wealth. He has spent years helping Canadians navigate the complexities of financial decision-making. His work focuses on creating thoughtful strategies that align financial goals with personal values. Through his guidance, families gain clarity on how to preserve and share wealth across generations. Richard is known for bringing both technical expertise and a deeply human approach to every conversation.Richard understands that strategic insight must also have empathy. He helps clients make informed decisions about wills, trusts, and long-term planning whilst maintaining harmony within their families. His approach emphasizes education, collaboration, and confidence in managing wealth. Above all, Richard is passionate about helping Canadians protect what matters most to them while building legacies.Connect and learn more about Richard Voss on his LinkedIn or CIBC Profile.Enjoyed this Episode?If you did, be sure to subscribe and share it with your friends!Post a review and share it! If you enjoyed tuning in, leave us a review. You can also send this to your friends and family. Wealth is changing hands faster than ever as a new generation steps into financial responsibility. Families across Canada are learning how to give, receive, and plan with purpose. This brings both opportunities and challenges, from tax implications to keeping family conversations. Explore how thoughtful planning can make every wealth transfer count, today and for the generations to come.Have any questions? You can connect with me on LinkedIn or through CIBC's Facebook, Twitter, or Instagram.Thanks for tuning in! For more updates, visit our website. You can also listen to more amazing episodes on Spotify or Apple Podcasts.

In this episode of CIBC Mellon Industry Perspectives, host Reese Kuros, Client Communications Intern, sits down with Sara Gmell, Human Resources Recruitment Specialist, and current co-op students Liam Thursfield and Jacob Price to discuss the co-op experience at CIBC Mellon.Together, they explore how the company's co-op program connects emerging talent with meaningful work in financial services, offering exposure to areas such as client onboarding, operations, and custody services. The conversation touches on how the program supports professional growth, contributes to CIBC Mellon's long-term talent strategy, and helps shape the next generation of industry professionals.Whether you're a student exploring career options or a professional interested in talent development, this episode offers an inside look at how CIBC Mellon invests in future leaders.This presentation contains the presenter's personal views and not those of CIBC Mellon or any other person. It may be considered advertising, and provides general information only and neither the presenter nor CIBC Mellon nor any other person are, by means of this presentation, rendering accounting, business, financial, investment, legal, tax, or other professional advice or services.  This presentation is intended for general informational purposes only. It may not be regarded as comprehensive nor as a substitute for professional advice.  Before taking any particular course of action, contact your professional advisor to discuss these matters in the context of your particular circumstances.  Neither the presenter nor CIBC Mellon accept responsibility for any loss or damage occasioned by your reliance on information contained in this presentation. ©2025 CIBC Mellon. CIBC Mellon is alicensed user of the CIBC trade-mark and certain BNY trade-marks, and is thecorporate brand of CIBC Mellon Trust Company. None of CIBC Mellon TrustCompany, CIBC, The Bank of New York Mellon Corporation and their affiliatesmake any representations or warranties as to its accuracy, currency orcompleteness, makes any commitment to update any information.  No part ofthe presentation is an offer or solicitation in respect of any particularstrategy and may not be construed as such.  Services referred to may notbe offered in all jurisdictions nor by all companies.CIBC Mellon does not provide investment orasset management services. This presentation, either in whole or in part, mustnot be reproduced nor referred to without the express written permission ofCIBC Mellon. Trademarks, service marks and logos belong to their respectiveowners. 

Here are three reasons why you should listen to this episode:Learn how interest rate cuts actually affect variable and fixed-rate mortgages, and what that means for your next renewal.Understand the regional differences shaping Canada's housing markets, including why now may be an opportunity for condo buyers.Gain practical strategies for staying financially resilient, from managing employment uncertainty to making smart spending decisions.ResourcesCIBC's "Smart Advice" Podcast and Website - Website | Apple Podcast | SpotifyVisit CIBC for more Smart AdviceAndrew Grantham: LinkedIn | CIBC Author ProfileEpisode Highlights[00:20] Canada's Economic CrossroadsCanadians are facing uncertainty as interest rates shift, the Canadian housing market fluctuates, and recession fears dominate the headlines.Rising costs and uneven recovery raise important questions about affordability and financial security.Host Carissa Lucreziano introduces guest Andrew Grantham, Senior Economist at CIBC Capital Markets.Andrew is well-positioned to explain today's challenges, connecting big-picture trends to the financial decisions Canadians face. [01:10] Interest Rates in the Canadian Housing MarketThe Bank of Canada and the U.S. Federal Reserve recently trimmed rates, offering a small sense of relief.For some households, variable-rate mortgages and credit lines see immediate benefits, while fixed rates remain largely unchanged.Carissa asks Andrew about the broader impact on the Canadian housing market, from overheated urban centers to smaller regions.Andrew explains why local differences matter, noting ongoing weakness in Toronto and Vancouver but signs of recovery elsewhere.[04:16] Andrew: “We are seeing that, particularly with the population growth we've seen in some of the prairie provinces, for example, there is the demand there, and even though building has increased in those provinces, we are still seeing that the housing market there is reasonably strong and prices are continuing to rise a little bit.”[04:41] The Condo Market in FocusCondos, particularly in Toronto, are experiencing weak demand and falling prices.Developers struggle to pre-sell units, slowing the pace of new construction.Andrew explains how reduced supply could eventually stabilize the market as demand slowly returns.He advises Canadians not to wait too long, as even a small rise in demand could shift conditions.[06:02] Are Canadians Waiting on the Sidelines?Many Canadians wonder if mortgage rates will fall further before they make financial moves.Andrew notes that while rates are lower than last year, they will likely not return to pandemic-era levels.He emphasizes that rates today are closer to 2019 levels, when the market was more balanced.His advice: focus on manageable payments and comfort, rather than trying to time the market.[07:40] Canada–U.S. Trade Ties and Sector PressuresCanada's economy is deeply linked to U.S. policy decisions, creating ripple effects north of the border.Andrew discusses Mark Carney's approach to strengthening ties while avoiding rushed trade deals.While many goods still enter the U.S. tariff-free, sector-specific tariffs continue to impact industries like steel, aluminum, and autos.Ontario and Quebec face the greatest pressure, while most other provinces remain less affected.[10:35] Consumer Spending and the Canadian DollarWith Black Friday approaching, Canadians are weighing the cost of cross-border shopping.[11:30] Andrew: “In terms of that cross-border shopping activity, a big theme over this year, even before talking about those Black Friday Sales, has been the drive to buy Canadian.”A weaker Canadian dollar makes U.S. purchases more expensive, but a “buy Canada” trend is emerging.Andrew notes that spending at home could benefit local retailers this holiday season.He explains how the loonie's movement is tied to U.S. dollar strength, limiting expectations for quick improvement.[12:18] Is Canada in a Recession?Headlines continue to question whether Canada is already in a recession.Andrew clarifies the difference between the technical definition and how people actually feel.While contraction occurred earlier in the year, he expects recovery in the second half.For many in Ontario and B.C., falling home prices and job struggles still make it feel like a recession.[15:48] Andrew: “What's interesting though, in the current situation is that that excess increase in unemployment for young people has gone above and beyond even what we would typically see given what's happened on the economy as a whole, on a national basis.”[17:23] Building Financial ResilienceCanadians want to know how to protect themselves in uncertain times.Andrew advises setting money aside for emergencies and focusing on long-term goals.He emphasizes avoiding short-term “headline risks” and instead building steady resilience.His message: consistent saving and a long-term view remain the strongest strategies.[18:55] Looking Ahead: Opportunities Beyond UncertaintyCanada is adjusting to a new trade environment, higher but stabilizing interest rates, and shifting consumer patterns.Andrew highlights Canada's strengths, including infrastructure investment, natural resources, and a skilled labor force.He notes that while the economy feels heavy today, long-term prospects remain strong.Final takeaway: Canadians should focus on opportunities ahead, not just the short-term noise.About Andrew GranthamAs Senior Economist with CIBC Capital Markets, Andrew Grantham has a wide range of experience in different areas of economic and market forecasting, providing both a Canadian and global perspective. His focus includes interest rates, the Canadian housing market, consumer spending, and trade. Through his work, he has helped Canadians understand how big trends connect to everyday financial decisions. Andrew often shares insights on mortgage affordability, youth unemployment, and cross-border ties.Andrew blends data-driven analysis with a practical perspective on the Canadian economy. In his analyses, he highlights both the challenges and the opportunities that lie ahead. His goal is to help Canadians move past headlines and focus on what matters for long-term resilience and growth.Connect with Andrew Grantham on his LinkedIn or CIBC Author Profile.Enjoyed this Episode?If you did, be sure to subscribe and share it with your friends!Post a review and share it! If you enjoyed tuning in, leave us a review. You can also send this to your friends and family. Interest rates, jobs, and trade are all shifting. The Canadian housing market is fluctuating depending on where you go. This creates a landscape that feels uncertain but also full of possibility. Discover how these changes connect, and learn what they mean for your financial decisions today and for the years ahead.Have any questions? You can connect with me on LinkedIn or through CIBC's Facebook, or Instagram.Thanks for tuning in! For more updates, visit our website. You can also listen to more amazing episodes on Spotify or Apple Podcasts.

What does the Bank of Canada cut to its key interest rate mean for you - and for Canada's economy? CBC's Senior Business Correspondent Peter Armstrong joins us to walk through the bad and the slightly less bad economic news. We'll also talk to Avery Shenfeld, Managing Director and Chief Economist of CIBC, and Pedro Antunes, the Chief Economist at The Conference Board of Canada to look at what the coming months could bring.

This episode of CIBC Mellon Industry Perspectives features leaders from CIBC Mellon, BNY Markets and BNY Depositary Receipts, and explores the current state of the Canadian market for global investors. CIBC Mellon and BNY are working together to make it easier for global investors to access Canada. Tim Pinnell, Relationship Executive, Global Financial Institutions at CIBC Mellon, moderates the discussion with featured guests: Bob Savage, Global Head of Market Strategy and Insights at BNY; John Velis, FX and Macro Strategy, The Americas at BNY; and, Matthew Steinert, Global Head of Product and Strategy, Depositary Receipts at BNY. Bob Savage and John Velis share their insights on the current economic environment and their perspective on Canadian markets. Matthew Steinert discusses the BNY ADR program's role in connecting U.S. investors with Canadian opportunities. This episode also explores how Depositary Receipts programs come together in Canada, the U.S. and around the world.  This presentation contains the presenter'spersonal views and not those of CIBC Mellon or any other person. It may beconsidered advertising, and provides general information only and neither thepresenter nor CIBC Mellon nor any other person are, by means of thispresentation, rendering accounting, business, financial, investment, legal,tax, or other professional advice or services.  This presentation isintended for general informational purposes only. It may not be regarded ascomprehensive nor as a substitute for professional advice.  Before takingany particular course of action, contact your professional advisor to discussthese matters in the context of your particular circumstances.  Neitherthe presenter nor CIBC Mellon accept responsibility for any loss or damageoccasioned by your reliance on information contained in this presentation. ©2025 CIBC Mellon. CIBC Mellon is alicensed user of the CIBC trade-mark and certain BNY trade-marks, and is thecorporate brand of CIBC Mellon Trust Company. None of CIBC Mellon TrustCompany, CIBC, The Bank of New York Mellon Corporation and their affiliatesmake any representations or warranties as to its accuracy, currency orcompleteness, makes any commitment to update any information.  No part ofthe presentation is an offer or solicitation in respect of any particularstrategy and may not be construed as such.  Services referred to may notbe offered in all jurisdictions nor by all companies.CIBC Mellon does not provide investment orasset management services. This presentation, either in whole or in part, mustnot be reproduced nor referred to without the express written permission ofCIBC Mellon. Trademarks, service marks and logos belong to their respectiveowners.

Here are three reasons why you should listen to this episode:Learn why now is the time to take advantage of Canada's current capital gains rate and how it can impact your investment returns.Explore the ins and outs of owning property outside of Canada and how to avoid double taxation and cross-border estate issues.Hear practical year-end tax planning strategies, from charitable giving to tax-loss selling, to help you keep more of your wealth and achieve your financial goals.ResourcesCIBC's "Smart Advice" Podcast and Website - Website | Apple Podcast | SpotifyVisit CIBC for more Smart AdviceJamie Golombek: Website | LinkedIn | X (Twitter) | CIBC ProfileEpisode Highlights[00:21] Why Tax Planning MattersTaxes shape nearly every financial choice, from investing to passing down property.Without tax planning, policy shifts can create unexpected costs and reduce wealth.Jamie Golombek, Managing Director of Tax and Estate Planning at CIBC, brings over 25 years of experience to the discussion.His insights highlight how smart strategies can preserve assets and support long-term goals.[01:49] What to Expect from Tax PolicyCanadians face uncertainty as new government leadership and upcoming budgets could shift tax rules.Jamie outlines the likelihood of higher taxation for top earners and possible adjustments to credits and exemptions.[02:24] Jamie: “No one knows what will happen. We are expecting a fall budget. I mean, the latest information we have from publicly available sources is that the budget will drop in October. We're going to wait and see what will be in that budget.”He explains why tax cuts are unlikely and why rates at the high end can discourage productivity.Keeping a close eye on government priorities is essential for anticipating the next wave of changes. [05:05] Capital Gains and Investment StrategyThe proposed increase in the capital gains inclusion rate was cancelled, creating relief for many investors.Jamie explains that the rate remains at 50%, with both advantages and drawbacks.Investors should use this favorable rate strategically, particularly in non-registered accounts.Real estate and equity holdings can benefit from thoughtful positioning under current rules.[08:44] Jamie: “Take advantage of capital gains; the fact that we have the lowest rate, even lower than the rate on dividend income, which is also favorable because the dividend tax credit. Take advantage of it, both in your portfolios, your non-registered portfolios, as well as if you're doing any real estate investment.”[09:01] Navigating Property Ownership AbroadOwning property outside Canada can expose investors to double taxation, foreign estate taxes, and currency risk.Jamie stresses that Canadians are taxed on worldwide income, so all gains and rental income must be reported.Local tax advice, paired with Canadian expertise, is key to managing obligations across borders.Proper planning can prevent costly errors and preserve long-term property value. [14:04] Tax Planning for Wealth TransfersPassing down cottages or vacation homes raises both emotional and financial challenges.Jamie highlights the need for family conversations to determine if children actually want the property.Deemed dispositions at death can create large tax bills, requiring liquidity planning.[16:55] Jamie: “Remember, you haven't actually sold it. There is no real money, but there is this sort of deemed disposition concept, and therefore you've got to come up with the cash to pay the tax.”Options such as sinking funds, equalizing assets, or family trusts can help families transition smoothly.[18:13] Keeping Inheritance FairBalancing fairness between children is a common concern in estate planning.Jamie explains how dividing assets can work but stresses the importance of considering tax consequences.Life insurance is one tool that can equalize estates or cover tax liabilities.Coordinated planning with advisors ensures both fairness and tax efficiency.[21:12] Smart Moves for Year-EndPractical strategies can make a big difference before the calendar year closes.Jamie recommends tax-loss selling, charitable donations, and contributions to first-home savings accounts.Business owners should also review compensation strategies, weighing salary versus dividends.Year-end deadlines make it critical to act early and plan ahead.[23:21] Tax Planning, Wealth Building, and the Path ForwardProactive tax planning protects wealth and reduces unnecessary costs.Jamie directs listeners to his website and Financial Post column for ongoing guidance.The key lesson is that taxes, while inevitable, can be managed with foresight and good advice.Building long-term financial security starts with planning, strategy, and informed choices.About Jamie GolombekJamie Golombek is the Managing Director of Tax and Estate Planning at CIBC. With more than 25 years of experience, he has become one of Canada's most trusted voices on tax strategy and wealth preservation. His expertise spans tax policy, capital gains planning, property ownership, and intergenerational wealth transfer. Jamie is also a longtime contributor to the Financial Post, where his weekly column helps Canadians make sense of complex tax issues and apply them in practical ways.Respected for his ability to simplify complicated topics, Jamie has appeared on BNN and CTV News. He has also been a frequent guest on podcasts and conferences across the country. His commentary bridges technical detail with everyday financial decisions, giving clarity to Canadians navigating taxes in real time. Through his work, he equips individuals and families with strategies to minimize costs, protect assets, and build wealth with confidence.Connect with Jamie Golombek on his LinkedIn or CIBC Profile.Enjoyed this Episode?If you did, be sure to subscribe and share it with your friends!Post a review and share it! If you enjoyed tuning in, leave us a review. You can also send this to your friends and family. Taxes may be unavoidable, but smart strategies can change the outcome. Discover how tax planning helps preserve wealth, reduce costs, and prepare for policy changes. Learn how to navigate property ownership, cross-border rules, and wealth transfers while keeping more money toward your goals.Have any questions? You can connect with me on LinkedIn or through CIBC's Facebook, or Instagram.Thanks for tuning in! For more updates, visit our website. You can also listen to more amazing episodes on Spotify or Apple Podcasts. 

1010: Simplify to accelerate. In this episode of Technovation, host Peter High speaks with Richard Jardim, Executive Vice President and Chief Information Officer of the Canadian Imperial Bank of Commerce (CIBC). Richard shares how his team is modernizing one of North America's leading banks by focusing on technology simplification, speed, and agility in service of building a relationship-oriented bank for a modern world. He details CIBC's transformation journey, from migrating core platforms to the cloud and leveraging proprietary online banking infrastructure, to developing digital talent, integrating AI, and preparing for quantum computing. Richard also reflects on the importance of curiosity, communication, and adaptive leadership in today's fast-moving tech environment. Key topics include: How CIBC simplifies its 1,200+ app footprint to increase agility The bank's strategy for scaling internal IP and AI skills Bridging business and technology through vertical CIO alignment Quantum computing as both risk and opportunity in financial services

In this episode, Ronald C. Landry, Head of Segment Solutions andCanadian ETF Services and Chair of the Canadian ETF Association, also known asCETFA, is joined by Eli Yufest, Executive Director, CETFA, and JonathonMcGuire, Vice President, Global X and Chair of CETFA's Marketing & PRCommittee to explore what's next for ETFs over the next 3-5 years.  From shifting demographics, and income-focused strategies to ESGadoption, fee compression and the rise of direct-to-consumer investing, theconversation covers the trends shaping innovation and investor demand.  The discussion also dives into technology, transparency andregulation, highlighting how the ETF landscape is evolving to become moreaccessible and better understood.This presentation contains the presenter'spersonal views and not those of CIBC Mellon or any other person. It may beconsidered advertising, and provides general information only and neither the presenternor CIBC Mellon nor any other person are, by means of this presentation,rendering accounting, business, financial, investment, legal, tax, or otherprofessional advice or services.  This presentation is intended forgeneral informational purposes only. It may not be regarded as comprehensivenor as a substitute for professional advice.  Before taking any particularcourse of action, contact your professional advisor to discuss these matters inthe context of your particular circumstances.  Neither the presenter norCIBC Mellon accept responsibility for any loss or damage occasioned by yourreliance on information contained in this presentation. ©2025 CIBC Mellon. CIBC Mellon is alicensed user of the CIBC trade-mark and certain BNY trade-marks, and is thecorporate brand of CIBC Mellon Trust Company. None of CIBC Mellon TrustCompany, CIBC, The Bank of New York Mellon Corporation and their affiliatesmake any representations or warranties as to its accuracy, currency orcompleteness, makes any commitment to update any information.  No part ofthe presentation is an offer or solicitation in respect of any particularstrategy and may not be construed as such.  Services referred to may notbe offered in all jurisdictions nor by all companies.CIBC Mellon does not provide investment orasset management services. This presentation, either in whole or in part, mustnot be reproduced nor referred to without the express written permission ofCIBC Mellon. Trademarks, service marks and logos belong to their respectiveowners.

 Here are three reasons why you should listen to this episode:Discover why the fixed income asset class is not just the “quiet” side of your portfolio and why everyone should have a portion in their portfolios, offering attractive yields, stability, and protection against market volatility.Learn how investment-grade bond funds and laddering strategies can help you manage reinvestment risk, match your investments to your cash flow needs, and diversify beyond traditional options.Get actionable advice on putting idle cash to work, protecting your purchasing power from inflation, and why timing the market is less effective than having a disciplined fixed income strategy aligned with your short- and long-term goals.ResourcesCIBC's "Smart Advice" Podcast and Website - Website | Apple Podcast | SpotifyVisit CIBC for more Smart AdviceAaron Young: LinkedInEpisode Highlights[00:20] Introduction to Fixed Income StrategyFixed income plays a steady role in building and protecting wealth, even though it rarely makes headlines.These investments balance portfolios, preserve capital, and provide flexibility for both short- and long-term goals.The episode features Aaron Young, Executive Director and Head of Client Portfolio Management at CIBC Global Asset Management.With over 15 years of experience, he offers insights into why a fixed income strategy matters now more than ever.[02:12] Current State of the Fixed Income MarketFixed income is entering what experts call a “golden age,” offering attractive yields and renewed importance in portfolios.[03:06] Aaron: “Right now, fixed income is in a bit of a golden age, for lack of a better term. What I mean by that is we've hit a nice balance point in fixed income markets where this asset class can generate a really attractive income potential for clients, and it can do so while also regaining a bit of that role of hedging risk.”Yields, once near zero, have returned to healthier levels, restoring the income investors expect from this asset class.Global factors like trade policies, tariffs, and geopolitical shifts continue to shape the outlook for bonds.Active management becomes crucial in this environment, turning volatility into opportunities for added returns.[05:56] The Role of Fixed Income in Canadian PortfoliosDiversification across asset classes is essential, with fixed income providing a counterbalance to equities and alternatives.Bonds protect capital, generate predictable coupons, and reduce portfolio volatility in uncertain markets.Capital appreciation is another underappreciated benefit, as mispriced bonds can deliver strong upside potential.[06:58] Aaron: “I would say for any level of investor, you should have a portion of fixed income in your portfolio for diversification, and not diversification such as a sector or holding a single stock versus other companies. Its diversification of where your risk and return comes from.”The role of fixed income shifts depending on investor needs, risk tolerance, and life stage.[08:59] Innovative Fixed Income Solutions & LadderingBeyond GICs, investment-grade bond funds offer predictable returns with the added benefits of interest and price appreciation.These funds provide tools to align investments with cash flow needs while diversifying risks.[10:45] Aaron: “The investment grade bond funds really was a focus on, how do we build something that's similar to a GIC in a lot of respects, in terms of target maturity date, I know I'm going to get my capital back, not the same risk profile, but also not going out and buying really high risk bonds, where the prices fluctuate quite a bit day to day, we buy governments and really solid large cap corporate bond issues.”Laddering, or staggering maturities, helps manage reinvestment risk and interest rate fluctuations.Together, these strategies expand fixed income options, giving investors greater flexibility than traditional choices alone.[13:03] Investment Strategies for Short-Term GoalsA fixed income strategy can align with specific cash flow needs such as saving for education, a home, or a cottage.Investment-grade bond funds allow investors to match maturities to future liabilities with confidence.This approach ensures capital is available when needed while still generating income along the way.By protecting against reinvestment risk, bond funds create stability without leaving money idle.[15:30] The Importance of Being InvestedHolding excess cash on the sidelines exposes investors to the silent erosion of inflation.Opportunity cost can be significant, as sitting still means missing out on steady income streams.Timing the market is notoriously difficult, even for professional investors with advanced tools.Fixed income serves as a bridge between cash and equities, offering stability while keeping money productive.[19:48] Agility in Fixed Income ManagementFixed income portfolios can be adjusted in real time to capture opportunities and manage risks.A dedicated team of experts at CIBC Global Asset Management specializes in areas like government bonds, corporate credit, and global rates.Sharing ideas across disciplines ensures portfolios benefit from the best thinking across the firm.Market inefficiencies in bonds create opportunities for active managers to add consistent long-term value.[22:15] Behind the Curtain: Inside “Bond Land”Fixed income offers multiple levers to manage risk and generate returns, from interest rates to credit exposure.Large institutional strategies, such as liability-driven investing, inspire approaches suitable for individual investors.The market's inefficiencies, like off-exchange , provide advantages for skilled active managers.Agility and collaboration within the team enable CIBC to adapt quickly beyond headlines or central bank announcements.[27:05] Building Your Fixed Income AssetsA fixed income strategy remains a vital part of any portfolio, providing stability, income, and diversification.Bonds can be tailored to meet both short-term cash flow needs and long-term growth objectives.Aaron Young emphasizes the importance of viewing fixed income as a flexible tool for achieving financial outcomes.His closing message reinforces that bonds will always have a rightful place in helping Canadians reach their goals.About Aaron YoungAaron Young is the Executive Director and Head of Client Portfolio Management at CIBC Global Asset Management. With more than 15 years of experience in fixed income markets, he has dedicated his career to helping global investors understand the power of bonds and income-generating investments. His work spans from guiding individual investors to managing portfolios for some of the country's largest institutions, including pension plans, foundations, and endowments. Aaron specializes in strategies that balance income generation, capital preservation, and long-term growth in both traditional and alternative fixed income strategies.Known for his passion for making fixed income accessible, Aaron brings clarity to a part of investing that is often overlooked. He believes bonds are not just the “quiet side” of a portfolio, but a dynamic tool that can stabilize wealth, reduce volatility, and create new opportunities for investors. Through his expertise, he empowers Canadians to look beyond traditional GICs and embrace innovative solutions that align with their financial goals.Connect with Aaron Young on his LinkedIn.Enjoyed this Episode?If you did, be sure to subscribe and share it with your friends!Post a review and share it! If you enjoyed tuning in, leave us a review. You can also send this to your friends and family. Market headlines come and go, but steady income and protection never go out of style. Discover how a fixed income strategy can safeguard your wealth while still keeping your money working. Learn to build stability, generate returns, and move forward with confidence in any market.Have any questions? You can connect with me on LinkedIn or through CIBC's Facebook, , or Instagram.Thanks for tuning in! For more updates, visit our website. You can also listen to more amazing episodes on Spotify or Apple Podcasts.

SAAQclic : retour sur le témoignage de François Bonnardel. Celui de Geneviève Guilbault attendue aujourd’hui. L’ONU a officiellement déclaré la famine à Gaza. Adonis Stevenson poursuit la CIBC pour 675 000$. Un documentaire sur la vie de Florent Vollant à l’affiche dès aujourd’hui. TOUT SAVOIR EN QUELQUES MINUTES avec Alexandre Moranville-Ouellet, Marianne Bessette et Audrey GagnonPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Inflation remains sticky in Canada - and it’s not all tariff related. Will the central bank ever get a green light to lower rates? Amanda Lang speaks with Benjamin Tal, Deputy Chief Economist at CIBC.

For this episode of CIBC Mellon Industry Perspectives, we look at the TCR rule at less than half a year out from implementation with a focus on industry preparedness for Canadian investment fund managers and dealers. Speakers discuss key considerations at this point, including any outstanding areas in focus and potential challenges that may be encountered when this regulation takes effect January 1, 2026. The discussion features Steve Braugiroux, Associate Vice President, National Bank of Canada and Ronald C. Landry, Vice President, Head of Segment Solutions and Canadian ETF Services, CIBC Mellon. It is moderated by Jon Diebel, Client Executive, CIBC Mellon.This presentation contains the presenter'spersonal views and not those of CIBC Mellon or any other person. It may beconsidered advertising, and provides general information only and neither the presenternor CIBC Mellon nor any other person are, by means of this presentation,rendering accounting, business, financial, investment, legal, tax, or otherprofessional advice or services.  This presentation is intended forgeneral informational purposes only. It may not be regarded as comprehensivenor as a substitute for professional advice.  Before taking any particularcourse of action, contact your professional advisor to discuss these matters inthe context of your particular circumstances.  Neither the presenter norCIBC Mellon accept responsibility for any loss or damage occasioned by yourreliance on information contained in this presentation. ©2025 CIBC Mellon. CIBC Mellon is alicensed user of the CIBC trade-mark and certain BNY trade-marks, and is thecorporate brand of CIBC Mellon Trust Company. None of CIBC Mellon TrustCompany, CIBC, The Bank of New York Mellon Corporation and their affiliatesmake any representations or warranties as to its accuracy, currency orcompleteness, makes any commitment to update any information.  No part ofthe presentation is an offer or solicitation in respect of any particularstrategy and may not be construed as such.  Services referred to may notbe offered in all jurisdictions nor by all companies.CIBC Mellon does not provide investment orasset management services. This presentation, either in whole or in part, mustnot be reproduced nor referred to without the express written permission of CIBC Mellon. Trademarks, service marks and logos belong to their respectiveowners.

Crain's residential real estate reporter Dennis Rodkin and host Amy Guth discuss the latest from the local housing market, including a Frank Lloyd Wright home in the architect's Oak Park epicenter that's for sale and how Chicago State hopes to make a college town out of 95th Street.Plus: Gotion to start making EV batteries in Manteno next month, CIBC names new U.S. head amid exec shakeup, AbbVie plans $195 million expansion of North Chicago plant in U.S. production push and lawsuit alleges Lettuce Entertain You staged a "corporate coup."

Here are three reasons why you should listen to this episode:Learn how to approach saving for future education as a long-term goal, and with an investor mindset.Learn how to build a resilient RESP investment strategy that adapts to market shifts, and discover investment solutions designed to evolve with your child's age.Gain insights into how to build financial literacy with your children and family, so you can work together to achieve your long-term education planning goals.ResourcesCIBC's "Smart Advice" Podcast and WebsiteVisit CIBC for more Smart AdviceMichael Keaveny: LinkedInCIBC Education PortfoliosCIBC Registered Education Savings Plan CalculatorCanada Education Savings GrantCanada Learning BondEpisode Highlights[00:21] The Rising Need for Early Education PlanningEducation has become one of the most significant financial milestones for Canadian families.The challenge of covering post-secondary costs is growing rapidly, with projected expenses expected to exceed $100,000 for today's children.Carissa Lucreziano welcomes Michael Keaveney, Vice President of Managed Solutions at CIBC Asset Management, to explore how families can financially prepare.With decades of investment experience and a personal understanding of education planning, Michael offers strategies grounded in both data and lived insight.[03:02] Starting Early: Why Time is Your Greatest AssetSaving for education can feel overwhelming, especially alongside other priorities like mortgages and retirement.Yet starting early and contributing consistently can dramatically shift what's possible through the power of compounding.[04:14] Michael: “Those two things, starting early and having a regular investment plan are actually behaviors within your control, and focusing on what's in your control, is central to any investment strategy.”Michael explains how automatic, regular investments help parents stay on track and reduce future financial stress.Early action builds both savings and financial flexibility as your child's path evolves.[07:32] Building a Resilient RESP StrategyMarket volatility can make education investors second-guess their decisions, especially during uncertain times.[08:56] Michael: “You do get periodic spikes in volatility in the market for various and different reasons, but we know that if you take a longer-term timeframe, the market bounces back and goes on to new highs.”But staying invested over the long term remains one of the most effective ways to reach savings goals.Michael shares his own experience of riding out major market downturns and stresses the importance of adjusting risk as the goal gets closer.Carissa adds that a resilient strategy includes knowing when to shift from growth to stability.[11:03] Understanding CIBC's Education PortfoliosEducation timelines require unique investment strategies that evolve with a child's age.CIBC Education Portfolios are designed to shift automatically, from equities to bonds, as the target date approaches.Michael explains how these portfolios offer a built-in glide path, helping parents stay aligned with their child's educational timeline without constant rebalancing.Carissa notes how this reduces guesswork and supports parents who prefer a hands-off yet intentional approach.[17:45] Teaching Kids Financial Resilience Through SavingsEducation planning isn't just about money, but it's an opportunity to teach lasting financial habits.[18:08] Michael: “I think it's entirely appropriate and a good idea for children to learn that the money didn't fall out of the sky. That a plan was put together, a conscious choice was made, maybe even at the expense of other options, and that the plan continues to be monitored.”Bringing children into the savings journey can build their confidence, agency, and understanding of long-term goals.Michael suggests giving children the chance to contribute, even in small ways, to foster ownership and awareness.Carissa shares how celebrating milestones like grants or savings goals can make the experience both personal and impactful.[21:35] What If Plans Change? RESP Flexibility ExplainedEducation paths aren't always predictable. Some children take time off, change direction, or choose alternatives.RESPs offer flexibility with up to 36 years to use the funds and options to transfer, repurpose, or adjust as needed.Michael outlines various RESP scenarios and explains how different rules apply depending on the child's path.Carissa emphasizes the importance of speaking with a financial advisor to understand which options are available and best suited for your family.[24:37] Building a Smarter Education Planning StrategyEducation planning for your child may feel like a big goal, but it's one of the most rewarding investments a family can make.Starting early, contributing regularly, and staying flexible helps parents build not just savings and confidence.Michael emphasizes that you don't have to know everything to begin.The important step is to get started on building a roadmap that supports your child's future.About Michael Keaveney Michael Keaveney is the Vice President of Managed Solutions at CIBC Asset Management. With nearly 30 years of experience in wealth management, Michael has helped thousands of Canadians grow and protect their financial futures. His work focuses on building strategic investment solutions that align with long-term goals, including education planning, retirement, and wealth preservation. He also plays a key role in developing portfolio strategies that adapt to changing market conditions and evolving client needs.Known for blending expert insights with real-world practicality, Michael brings a clear and steady perspective to market volatility, portfolio design, and disciplined investing. As a parent who's navigated the education savings journey himself, he offers both professional guidance and personal experience. He believes that starting early and staying consistent are the cornerstones of successful investing. Through his work, he empowers families to plan ahead with purpose and confidence.Connect with Michael Keaveney on his LinkedIn.Enjoyed this Episode?If you did, be sure to subscribe and share it with your friends!Post a review and share it! If you enjoyed tuning in, leave us a review. You can also send this with your friends and family. The cost of education is rising, but your peace of mind doesn't have to waver. Discover how education planning and regular contributions can keep you on track. With the right strategy, you can stay prepared, no matter what the future holds.Have any questions? You can connect with me on LinkedIn or through CIBC's Facebook, or Instagram.Thanks for tuning in! For more updates, visit our website. You can also listen to more amazing episodes on Spotify or Apple Podcasts.

Joining Andrew on today's show were Dr. Mitch Shulman, Virgin Radio's Kelly Alexander, joblo.com's Chris Bumbray, Maria Battaglia, the creator and organizer of ItalFest, CIBC's Richard Lapointe and 18 year old Montreal singer songwriter Rachel Dara.

“Parade“, a musical, is based on a true story centered around the 1913 story of Leo Frank, a Jewish factory manager who is wrongfully accused of the rape and murder of Mary Phagan. The trial, verdict and how things actually played out in history are set out in this powerful production thru dialogue and music. […]

Joining Andrew this morning were Canadian broadcasting legend George Stroumbolopoulos, Dr. Mitch Shulman, Virgin Radio's Kelly Alexander, registered dietician Olivia Carone, multimedia communicator at the Nature Conservancy of Canada Jensen Edwards, CIBC's Richard Lapointe and Dr. Francois Marquis, chief of intensive care at Maisonneuve Rosemont Hospital.

 Here are three reasons why you should listen to this episode:Understand the powerful connection between financial well-being and your physical health, and how to disrupt that cycle.Learn practical strategies for building resilience, managing stress, and maintaining balance in a fast-paced world.Gain expert advice on preparing for retirement—emotionally, physically, and financially—so you can enjoy a purposeful and fulfilling next chapter.ResourcesCIBC's "Smart Advice" Podcast and Website - Website | Apple Podcast | SpotifyVisit CIBC for more Smart AdviceDr. Noah Levine: Cleveland Clinic ProfileInvest in your health by following Canada's 24-Hour Movement GuidelinesRead the CIBC Ambitions Index for 2025Episode Highlights[00:16] Redefining Financial Well-being in a Changing WorldCanadians must rethink and redefine the meaning of “wealth” in the modern world. Nowadays, there is more to it than money.Health, energy, peace of mind and financial well-being are now core to the definition of wealth. Wealth now also implies having physical vitality, emotional clarity and strong relationships on top of financial stability.Dr. Levine explains how financial stress impacts physical health. Canadians often underestimate how much stress about money affects their day-to-day.[03:11] Dr. Noah: “Our financial wellness is so closely connected to our overall well-being. Financial stress can have impacts on a number of areas of our health, one of those is sleep.”[05:47] Basics of Health and Well-beingDr. Levine encourages starting with simple, science-backed habits that build a healthy life.He breaks down the core areas: balanced nutrition, regular movement, and quality sleep.Prioritizing relationships also play a major role in long-term well-being.These foundations are essential for building resilience, performance, and financial well-being over time.[09:43] The PERMA Model of Well-beingWell-being isn't just the absence of illness—it's about living with meaning and intention.Dr. Levine introduces the PERMA model: Positive Emotion, Engagement, Relationships, Meaning, and Achievement.Fulfilling each component of the PERMA model enhances our quality of life.Focusing on these elements helps people feel more fulfilled and aligned with their values.[12:21] Building Resilience and Coping with StressResilience can also mean adapting to stress and unpredictability rather than trying to remove it entirely from our lives.Dr. Levine shares “micro skills” like pausing, walking, or using mindfulness to manage stress in real time.He introduces the flexibility mindset: a belief that you can face challenges with optimism and control.[16:06] Dr. Noah: “The flexibility mindset is basically a conviction that no matter what happens, I'm going to find a way to deal with this.”This mindset helps people recover faster and stay grounded during uncertainty.[17:47] Employer Support for Employee Well-beingDr. Levine shares how employers can support employee health through smart, strategic interventions.He highlights flu clinics, healthy scheduling, and wellness programs as proactive health tools.In today's strained healthcare system, employers can fill critical gaps in mental and physical care.[23:28] Preparing for RetirementRetirement is a new life stage that requires emotional, physical, and cognitive preparation.Dr. Levine outlines how physical activity, sleep, and mental stimulation support long-term health.Social connection prevents isolation and helps retirees maintain happiness and mental sharpness.Finding purpose and setting new goals after work creates a fulfilling retirement experience.[28:25] Elevating Financial Well-being Through Intentional LivingSmall actions can lead to major life transformation — similar to how financial investments can grow to large sums over time.[28:59] Dr. Noah: “I don't really think it matters where you start. I think what matters is making a commitment to yourself and taking that first step.”Real wealth includes energy, clarity, and a sense of accomplishment which can be done from repeating small wins.Staying connected to your “why” makes it easier to sustain health and financial well-being.Intentional choices today shape the life you want to live tomorrow.About Dr. Noah Dr. Noah Levine is a Family and Occupational Medicine Physician and the Corporate Medical Director at CIBC. With over 25 years of clinical experience, he has dedicated his career to supporting the physical, mental, and emotional well-being of individuals and teams. Dr. Levine also serves as a physician at Cleveland Clinic Canada, where he helps patients navigate the intersection of health, lifestyle, and long-term vitality.He is an expert in holistic wellness, workplace health strategies, and resilience-building. At CIBC, Dr. Levine plays a key role in shaping a culture of well-being by offering proactive health guidance to employees and executives alike. Passionate about empowering people to thrive both personally and professionally, he brings a compassionate, science-backed perspective to the evolving conversation on health and financial well-being.Enjoyed this Episode?If you did, be sure to subscribe and share it with your friends!Post a review and share it! If you enjoyed tuning in, leave us a review. You can also send this with your friends and family. The world may feel overwhelming, but your health and financial well being doesn't have to take a back seat. Discover how small, intentional choices, in both health and finances can help you thrive in every season of life.Have any questions? You can connect with me on LinkedIn or through CIBC's Facebook, or Instagram.Thanks for tuning in! For more updates, visit our website. You can also listen to more amazing episodes on Spotify or Apple Podcasts.

With the advent of agentic AI, artificial intelligence is rapidly evolving and becoming an influential part of our industry and the world as we know it. Featuring Michael Ross, BNY Product Manager for Eliza, Bryan Wood, Principal AI Architect of Banking at Snorkel AI and moderated by Joe Lacopo, Vice President, Relationship Management and Head of the Asset Manager segment at CIBC Mellon, this episode of CIBC Mellon Industry Perspectives discusses the impact and innovation of agentic AI within the financial services industry. Together, they highlight the use of AI within their own organizations, articulate the importance of building trustworthy Agentic AI solutions and discuss what the future will look like with AI. This presentation contains the presenter's personal views and not those of CIBC Mellon or any other person. It may be considered advertising, and provides general information only and neither the presenter nor CIBC Mellon nor any other person are, by means of this presentation, rendering accounting, business, financial, investment, legal, tax, or other professional advice or services.  This presentation is intended for general informational purposes only. It may not be regarded as comprehensive nor as a substitute for professional advice.  Before taking any particular course of action, contact your professional advisor to discuss these matters in the context of your particular circumstances.  Neither the presenter nor CIBC Mellon accept responsibility for any loss or damage occasioned by your reliance on information contained in this presentation. ©2025 CIBC Mellon. CIBC Mellon is a licensed user of the CIBC trade-mark and certain BNY trade-marks, and is the corporate brand of CIBC Mellon Trust Company. None of CIBC Mellon Trust Company, CIBC, The Bank of New York Mellon Corporation and their affiliates make any representations or warranties as to its accuracy, currency or completeness, makes any commitment to update any information.  No part of the presentation is an offer or solicitation in respect of any particular strategy and may not be construed as such.  Services referred to may not be offered in all jurisdictions nor by all companies.CIBC Mellon does not provide investment or asset management services. This presentation, either in whole or in part, must not be reproduced nor referred to without the express written permission of CIBC Mellon. Trademarks, service marks and logos belong to their respective owners.

“Kimbely Akimbo” is an unassuming name for a fantastic not-to-be-missed Tony Award-winning Best Broadway musical! Three-time Tony nominee Carolee Carmello joins Steve Dale on the show to discuss what makes this story so captivating on the stage, why Chicagoans should get out to the CIBC Theatre to see the show, and more.

PART ONE: “Kimbely Akimbo” is an unassuming name for a fantastic not-to-be-missed Tony Award-winning Best Broadway musical! Kimberly is a teenager who recently moved with her family to a new town in suburban new Jersey where she deals with family dysfunction and a rare genetic condition, her first crush…not to mention possible felony charges thanks to […]

In this episode, the host, Talia Mashiach, converses with Bluma Broner, the managing director and head of healthcare at CIBC Bank, USA. They delve into Bluma's dynamic career in banking, discussing its lucrative and flexible nature. Bluma, who is also deeply involved in community service through mentoring and board memberships, offers insights on leading a fulfilling career, staying true to one's principles, and managing societal expectations. She shares personal stories from her life in Israel, transitioning to her banking career, the challenges of being a working Orthodox Jewish woman, and the evolution of women's roles in professional and community settings. Bluma emphasizes the importance of doing what is right, building a supportive family structure, and finding fulfillment in one's work. The conversation also touches on the significance of women's representation on boards and mentoring future generations.     00:00 Introduction to Inspire to Lead Podcast 00:29 Meet Bluma Broner: Career and Community 01:27 Bluma's Early Life and Family Background 03:06 Challenges and Triumphs in Israeli Education 07:06 Navigating Career and Family in Israel 12:18 Transition to Banking and Gender Challenges 15:34 Balancing Career and Family in the U.S. 18:00 Insights on Commercial Lending and Healthcare 23:15 Support Systems and Outsourcing for Success 26:00 Corporate America: Balancing Faith and Career 27:26 Team Size and Structure 27:42 Career Trajectory and Job Satisfaction 29:45 Volunteer Work and Board Memberships 30:36 Women on Boards: Challenges and Progress 31:58 Balancing Career and Community 33:28 The Importance of Representation and Mentorship 36:01 Career Advice and Personal Reflections 50:59 Final Thoughts and Messages       About Our Guest: Bluma Broner, Managing Director at CIBC,  is responsible for client relationships and new business origination nationwide. She heads one of the bank's health care groups focused on providers of skilled nursing and senior housing. Broner has more than 22 years of banking experience and has spent the past 15 years as a lender to the health care industry. Before joining CIBC in 2007, she was vice president in health care at LaSalle Bank. She started her banking career in 1995 at Bank Leumi in Israel and has held a variety of positions, with a focus on middle-market entrepreneurial businesses. Broner holds a bachelor's degree in economics from Hebrew University in Jerusalem. She is a Leadership Greater Chicago 2019 fellow. Community leadership: Broner is a board member of Shalva, Associated Talmud Torahs of Chicago and NCSY, an Orthodox Jewish youth group. She also serves on the Community Building & Jewish Continuity Commission of the Jewish Federation in Chicago.   Powered By Roth & Co The JWE For guest suggestions, please email Talia: podcast@thejwe.org

In this episode, Bart is joined by Anne Maggisano, Vice President, Investment Counsellor at Burgundy Asset Management. Anne shares the story behind founding The Women of Burgundy—an initiative that has reached over 1,000 individuals and is dedicated to building a community that inspires women to make investing a priority and take a leadership role over their wealth. She reflects on the early spark that inspired the initiative, how she garnered support within the firm, and the ways it has grown over more than a decade into the impactful community it is today. More than just an initiative, The Women of Burgundy also became the place where Anne found her own authentic voice as a leader. Throughout the conversation, she offers candid insights on her journey and how tapping into her values became the foundation of her leadership. Anne's journey is rich with lessons for anyone wanting to create meaningful, lasting impact: from navigating the inevitable ebs and flows of support, to staying personally energized, to evolving your work to meet people where they are. The Women of Burgundy is a true inspiration and so is Anne's story. Learn more about The Women of Burgundy here: https://www.burgundyasset.com/women/ And find Anne's Sharing Our Stories speech here: https://www.burgundyasset.com/views-insights/sharing-our-stories/ Show Notes: 00:58 Welcoming Anne 02:06 What is the Women of Burgundy? 02:41 Her personal experience that kicked it off 03:59 The investment business doesn't speak to women very well 04:36 The reason why women have been less involved, historically 05:06 Over time, women have built wealth  05:55 Realization her women clients were not being as well served 06:14 When women lose their husband and have to take over wealth management 06:58 Story of her mother's experience 08:20 She brought this to Burgundy 08:34 What was the reaction like? 09:16 Wanted to ensure it was empowering and educational 09:49 Her manifesto that she pitched 11:21 Finding her own voice as a leader 11:47 It was hard! 12:40 It takes time for others to "get" what you're doing  13:41 The story of the very first event 14:34 Changing women's and men's roles around wealth 14:54 Not data, but lots of anecdotal experience 15:40 The milestones of The Women of Burgundy 16:22 Moving online with COVID 17:08 Launching the magazine to widen outreach 17:41 The summit 18:46 CIBC report: women will control $4 trillion by 2028 21:15 Longer lives, but not health spans  21:35 Families will have to care for the elderly 23:05 Talking about setbacks and challenges 23:21 When you're leading, take a long time 25:23 Leadership requires self-conviction 27:48 Advice for those starting a leadership journey 28:00 Make sure you're surrounded by supportive people 28:34 Having agency in your environment 29:58 The "How" evolves, but the "Why" stays consistent 31:07 You have to cultivate the support! 31:26 Examples of people coming around to support 34:07 The long game 34:33 The rocking chair test 35:57 Who do you want to be in that rocking chair? 37:01 Always stay true to your values 38:10 How to learn more about Anne & Burgundy 39:02 Last piece of advice 39:07 You're responsible for your own vision and future 40:05 Thank yous

Hello, I'd really like to grow this email list. If you enjoy this newsletter, it would mean the world to Jola and I if you encouraged one friend/fellow immigrant/colleague to subscribe…Very likely, the the only thing you will get in return is warm fuzzy feelings, and if I can attribute it to you, I'd personally send you a thank you email.Join us as we explore the bitter-sweet world of the immigrant.In this episode, I'm speaking with Bukky Wonda, who moved from Nigeria to Canada about 11 years ago, and has gone on to become a successful tech founder in the immigration space.When trying to settle into a new country, finding optimistic people can make all the difference. As Bukky explains, “Immigration is so difficult that you don't want to find people who all they come and do to you is make things worse... Find people who are optimistic, who have agency, who are persistent.”I believe this mindset has been key to her success, from landing her first job at CIBC as a financial advisor rather than starting at entry-level positions to pivoting into entrepreneurship.In this conversation, Bukky and I chat about what it was like to move and settle in Canada 11 years ago. We also explore:* Her transition from accounting to immigration tech founder* Why she describes herself as a “happenstance entrepreneur”* Tips for anyone planning to immigrate to Canada in 2025/2026* Why preparation matters when you're looking to immigrateOfficial Links✅ Connect with Bukky on LinkedIn✅ Request Bukky's immigration servicesOne AskIf you found this story helpful, please forward or share it to one immigrant out there. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thenewcomerspod.com

Canada's Got Talent (CGT) is back for a new season! Country music legend Shania Twain and comedian Katherine Ryan join series veteran judges Howie Mandel, Kardinal Offishall, and host Lindsay Ell to find Canada's next superstar!  Jake's Take with Jacob Elyachar thanks our friends at Citytv for bringing some of my favorite acts to the platform for the fourth year in a row!  The CGT finale is tonight and I am thrilled that Darren Leo took time out of his preparation to speak with me.  The digital marketer by day and comedian by night earned Katherine Ryan's Golden Buzzer and $25,000 from CIBC, after his fiery routine that featured jokes that made the audience laugh.  He survived the show's elimination round and now faces Canada's votes.  On this third special CGT episode of The Jake's Take with Jacob Elyachar Podcast, Darren Leo shared his audition story, revisited receiving Katherine Ryan's Golden Buzzer, and previewed his finale night performance.Canada's Got Talent airs Tuesdays on Citytv. Become a supporter of this podcast: https://www.spreaker.com/podcast/jake-s-take-with-jacob-elyachar--4112003/support.

Canada's Got Talent (CGT) is back for a new season! Country music legend Shania Twain and comedian Katherine Ryan join series veteran judges Howie Mandel, Kardinal Offishall, and host Lindsay Ell to find Canada's next superstar!   Jake's Take with Jacob Elyachar thanks our friends at Citytv for bringing some of my favorite acts to the platform for the fourth year in a row!  The CGT finale is tonight, and I am thrilled that members of Funkyverse took time out of their preparation to speak with me.   This Toronto-based dance crew blew the audience and judges away with their spectacular routines. Funkyverse is one of two acts (besides their fellow finalist and Jake's Take with Jacob Elyachar friend Jacob Lewis) to earn TWO GOLDEN BUZZERS and $50,000 from CIBC this season!  On this fourth special CGT episode of The Jake's Take with Jacob Elyachar Podcast, Funkyverse's Karbon and Cheech shared their group's origin story, why they auditioned for the Canadian talent competition, spoke about their two Golden Buzzer moments, and previewed their finale performance.Canada's Got Talent airs Tuesdays on Citytv.Become a supporter of this podcast: https://www.spreaker.com/podcast/jake-s-take-with-jacob-elyachar--4112003/support.

Gayatri Desai of CIBC Corporate Banking Europe joins Tom Heintzman, Vice Chair, Energy Transition and Sustainability, to discuss key takeaways from CIBC's 2nd annual Electrification Summit, including observations on global electrification trends in the UK, Europe and the U.S.

So, here is the question that begs to be answered: Does, as President Trump said, the U.S. subsidize Canada to the tune of $200 billion a year?  Stick with us, we have an answer. This is the Business News Headlines for Thursday the 8th day of May and thanks for being here. In other news, Markets moved up today largely on the news of a U.S. and United Kingdom trade deal…and we'll break that down. Even though the 10 year treasury hasn't climbed above 5% the mortgage rate on a 30 year fixed is still elevated. The number of Americans filing for unemployment claims has fallen and we'll share the numbers. The Wall Street Report and the top ten job opportunities for graduates as reported by LinkedIn.  For the conversation you'll hear from Gina Wright the Vice President of the Urbandale, Iowa Chamber of Commerce and the upcoming Central Iowa Business Conference that isn't only for Central Iowa….let's go! Thanks for listening! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on  PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon Central on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour...and on Threads @Insight_On_Business.

The recipient of 14 Tony nominations and 8 wins at the 73rd Tony Awards, including best Musical and best Original Score, Hadestown returns to Chicago on its national tour. The story is based on the classic myths of Orpheus and Eurydice and Hades and Persephone, but the message from the classics resonates so strongly today. Although written as […]

#AirwavesForHealth

Canada's Got Talent (CGT) is back for a new season!Country music legend Shania Twain and comedian Katherine Ryan join series veteran judges Howie Mandel, Kardinal Offishall, and host Lindsay Ell to find Canada's next superstar!  Jake's Take with Jacob Elyachar thanks our friends at Citytv for bringing some of my favorite acts to the platform for the fourth year in a row!  Up next is singer and musician Jacob Lewis! Originally from Butlerville, Newfoundland and Labrador, Jacob auditioned for CGT and delivered a powerful take on Bon Jovi's “Bed of Roses.” The performance received a standing ovation from all four judges, Shania Twain's Golden Buzzer, and 25,000 Canadian dollars from CIBC.  On this special CGT episode of The Jake's Take with Jacob Elyachar Podcast, Jacob Lewis shared his audition story, spoke about receiving the country music icon's Golden Buzzer, and his reaction to if Lindsay revealed that he won the show.  Canada's Got Talent airs Tuesdays on Citytv.Become a supporter of this podcast: https://www.spreaker.com/podcast/jake-s-take-with-jacob-elyachar--4112003/support.

Fred Bell, CEO of Elemental Altus Royalties (TSX.V:ELE) (OTCQX:ELEMF), joins me to review the key takeaways from the Q4 and full year 2024 financials, including record quarterly and annual revenues and cash flows, marking their seventh consecutive year of revenue growth. We also discuss the financial and development growth on tap for 2025, with updates at key royalty partner operations.   Full Year 2024 Highlights:   Record revenue of US$16.3 million and record adjusted revenue1 of US$21.6 million, up 39% on 2023 Gold Equivalent Ounces1 ("GEOs") of 8,987 ounces (9,122 GEOs in 2023) with production from Korali-Sud pushed into Q1 2025 Record Operating Cash Flow plus Caserones dividends of US$8.7 million, up 42% on 2023, and record adjusted EBITDA1 of US$15.1 million, up 53% on 2023 US$33.5 million of accretive royalty acquisitions including producing gold royalties over Bonikro, Ballarat and SKO mines Repayment of US$27 million of debt, with remaining debt repaid in full in Q1 2025 leaving a fully undrawn US$50 million facility with NBC, CIBC and RBC   Fourth Quarter 2024 Highlights:   Record Q4 revenue of US$5.5 million and record adjusted revenue1 of US$6.8 million, up 21% on Q4 2023 and with no contribution from Korali-Sud Q4 attributable GEOs1 of 2,552 ounces (2,843 GEOs in Q4 2023) Record Operating Cash Flow plus Caserones dividends of US$3.3 million, up 54% on Q4 2023, and record Q4 adjusted EBITDA1 of US$4.8 million, up 72% on Q4 2023   2025 Outlook   Record guidance of 11,600 to 13,200 GEOs, translating to record adjusted revenue of US$30.1 million to US$34.3 million, based on a gold price of US$2,600/oz and a copper price of US$4.00/lb This represents a 38% increase in GEOs and 50% year-on-year increase in adjusted revenue at the mid-point of guidance, with full exposure to higher gold prices Production is anticipated to be weighted towards the first half of the year, driven by first gold sales at the Korali-Sud royalty and Caserones shipments delayed from Q4 2024 into Q1 2025 Up to US$15 million in one-off payments, with over US$10 million expected in the first half of the year   Fred breaks down the financial strength of the company, and the leverage of it's balance sheet to rising production and revenues in a higher metals price environment. He also highlighted with the roughly $5 million in cash on hand, the expected revenues over $30 million this year, a number of additional incoming $15 million in one-off payments, and the $50 million credit facility on hand, that the company is in a great position to keep reviewing acquisition transactions in the year to come.    Wrapping up we cover some of the anticipated growth of the projects at their key cornerstone royalty assets: Caserones, Karlawinda, Korali-Sud, as well key royalties on compelling development projects in their portfolio like Arizona Sonoran's Cactus project in Arizona, Focus Minerals' Laverton project in Western Australia, and Firefly Metals Pickel Crow project in Ontario.       If you have any follow up questions for Fred regarding Elemental Altus Royalties, then please email them to me at Shad@kereport.com.   In full disclosure, Shad is a shareholder of Elemental Altus Royalties at the time of this recording, and may choose to buy or sell shares at any time.    Click here to view recent news on the Elemental Altus Royalties website

We explore Chicago's vibrant real estate scene with CIBC's Karen Case and CBRE's Lisa Konieczka. They discuss market dynamics, Fulton Market's emergence and transformation, and ongoing capital markets challenges and opportunities.Share these insights about Chicago real estate: - The Big Split: Chicago's office market is bifurcated: creditworthy occupiers looking for high-quality space will have limited options while much of the rest of the market languishes amid a glut of space. - Important Amenities: Advanced technology, workout facilities and unique features in the best buildings will help attract tenants and draw people back to the office. - Capital Markets Challenges: High costs and limited access to capital have slowed new development significantly, exacerbating the shortage of premium-quality space. - Transportation Networks: Chicago's excellent transportation infrastructure supports its diverse economy and enhances its appeal as a business hub. - Strategic Transformation: Fulton Market has evolved into a vibrant live-work-play area, attracting major tenants and showcasing successful urban redevelopment.

Canada's Got Talent (CGT) is back for a new season! Country music legend Shania Twain and comedian Katherine Ryan join series veteran judges Howie Mandel, Kardinal Offishall, and host Lindsay Ell to find Canada's next superstar!Jake's Take with Jacob Elyachar thanks our friends at Citytv for bringing some of my favorite acts to the platform for the fourth year in a row!Up first is singer Carsim Birmingham! Originally from the Caribbean Island Dominica, Carsim traveled from Vancouver, British Columbia, to audition for the judges. He performed a robust cover of Sam Smith's “Lay Me Down,” which gave Shania goosebumps and earned Kardinal's Golden Buzzer and 25,000 Canadian Dollars from CIBC. On this special CGT episode of The Jake's Take with Jacob Elyachar Podcast, Carsim Birmingham spoke about why he auditioned, relieved his Golden Buzzer moment, and how he would react if Lindsay Ell declared him the winner of CGT.  Canada's Got Talent airs Tuesdays on Citytv. Become a supporter of this podcast: https://www.spreaker.com/podcast/jake-s-take-with-jacob-elyachar--4112003/support.

Ron Miller's good judgment and even temper survive an appearance on Middle Market Musings.  Ron, an old friend to both Andy and Charlie, is Managing Director and Head of US Middle Market Investment Banking at CIBC.   Ron talks about his youth in Chicago, including early experience in the family clothing business.  The story migrates to Milwaukee, where Ron traces his early involvement in the Cleary Gull investment bank and its evolution into CIBC's US-based M&A arm.  The interview concludes with a poignant account of the loss that galvanized Ron's family and led them into a lifetime of good works related to organ donation awareness.

Welcome back to another thought-provoking episode of Tank Talks! Matt Cohen sits down with John Ruffolo to dissect the most pressing developments in tech, finance, and AI. From major banking shifts to the evolving landscape of AI-driven SEO, this episode delivers sharp insights and expert analysis you won't want to miss.* The Bank of Canada's latest interest rate cut—will it actually help the economy?* The power shift in Canadian banking: What CIBC's CEO transition means for the future.* Open banking and AI's role in reshaping the financial landscape.* The rapid rise of AI-driven SEO—how companies are optimizing for large language models.* CoreWeave's massive IPO plans and why John Ruffolo sees echoes of the Nortel bubble.* The brewing U.S.-EU trade war—why Trump's tariff threats could hit Canadian businesses harder than expected.Canada's Banking Future: CIBC's Big Shift (00:04:00)* Victor Dodig steps down as CIBC CEO after 11 years, handing over to Harry Cullum, a capital markets veteran.* The big question: Can Cullum lead CIBC into the digital era, or will traditional banks struggle to keep up with fintech and AI-powered banking?* Why open banking is no longer a threat, but an opportunity for Canada's biggest banks.John Ruffolo's Take:John sees Cullum as a strong leader with deep expertise in digital banking, positioning him well for the transition. However, he warns that legacy banks must move quickly to stay competitive as fintech innovation accelerates, or risk falling behind in a rapidly evolving financial landscape.AI's SEO Revolution: The Future of Search (00:10:00)* Companies are now optimizing for AI models, not just Google Search.* Mercury and Vercel are already seeing significant growth in inbound leads from large language models.* The big shift: Instead of backlinks and keywords, companies are feeding training data directly into AI models.CoreWeave's Billion-Dollar Bet: Nortel 2.0? (00:14:00)* CoreWeave, an AI-focused cloud company, is skyrocketing in valuation—going from $16 million in revenue to $1.9 billion in just two years.* NVIDIA and Microsoft are heavily invested—so what happens if they pull the plug?* Is CoreWeave truly innovative, or just benefiting from excess GPU capacity?John Ruffolo's Take:"This reminds me way too much of Nortel in the late ‘90s. They pumped up revenue, but it was all based on unsustainable deals. Watch this one carefully."As AI reshapes industries, banking undergoes major leadership shifts, and companies scramble to adapt to new digital landscapes, the stakes have never been higher. Will traditional banks successfully embrace open banking and digital transformation, or will fintech disruptors take the lead? Can AI-driven SEO remain a competitive advantage, or will regulators step in to level the playing field? And as CoreWeave pushes toward its high-stakes IPO, is this the beginning of a new tech revolution, or a repeat of past market bubbles? The coming months will reveal whether these trends signal long-term shifts—or short-lived hype. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com

The tariffs are officially here. As of March 4th, U.S. tariffs on Canadian goods have gone into effect, and Canada has responded with a massive $155 billion counter-tariff package. We break down what’s getting hit, Trudeau’s potential non-tariff measures, and the broader economic implications. Then, we shift to Canadian bank earnings. TD, RBC, National Bank, and CIBC all reported, giving us a snapshot of how the financial sector is holding up amid rising provisions and economic uncertainty. We analyze key metrics, what CEOs are saying about the economy, and why mortgage delinquency rates are starting to creep up. Tickets of stocks/ETFs discussed: TD.TO, RY.TO, NA.TO, CM.TO Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Asset Allocation ETFs | BMO Global Asset Management Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

You have likely come across magician and illusionist Xavier Mortimer on social media. He has millions of followers and his posts and videos have been viewed billions of times! And now, this 5-time winner of best magic show in Las Vegas comes to Chicago for one weekend only! In this conversation, Xavier talks about his start as a street […]

In this episode of The Self-Employed Life, I had the great pleasure of speaking with Cara Poppitt, author of Big Freakin' Change: How to Gain Confidence by Stepping Out Before You Are Ready, about the process of implementing change. Cara explains that courage is the starting point, with confidence following later, and encourages listeners to embrace change rather than resist it. We discussed the barriers that hold people back, the differences between courage and confidence, and eight essential steps to help individuals break free from stagnation and move forward. This episode offers valuable insights and practical steps to anyone who is feeling stuck to help them embrace change. Cara Moeller Poppitt is dedicated to empowering individuals to overcome limitations, take decisive action, and achieve their personal and professional aspirations. She has developed a profound understanding of how mindset and movement can drive personal, professional and organizational change that lasts. In her Get Unstuck, Cycle of Change model she teaches individuals and organizations how to make change and develop confidence. As the founder of two award-winning companies, Poppitt ranks among the top 2% of female entrepreneurs, underscoring her exceptional leadership and strategic acumen. As an international speaker and coach, Poppitt has successfully guided over 10,000 entrepreneurs in realizing their full potential. Her notable achievements include being named Global TV's Woman of Vision, CIBC's Entrepreneur of the Year, and receiving recognition on Global News. Based in Calgary, Canada, she continues to lead her mission of inspiring and uplifting professionals worldwide. Guest Contact – Website Linkedin Contact Jeffrey – SelfEmployedNewsletter.com JeffreyShaw.com Books by Jeffrey Shaw Business Coaching for Entrepreneurs Watch my TEDx LincolnSquare video and please share! Valuable Resources – The Self-Employed Business Institute You know you're really good at what you do. You're talented, you have a skill set. The problem is you're probably in a field where there is no business education. This is common amongst self-employed people! And, there's no business education out there for us! You also know that being self-employed is unique and you need better strategies, coaching, support, and accountability. The Self-Employed Business Institute, a five-month online education is exactly what you need. Check it out! Take The Self-Employed Assessment! Ever feel like you're all over the place? Or frustrated it seems like you have everything you need for your business success but it's somehow not coming together? Take this short quiz to discover the biggest hidden gap that's keeping you from having a thriving Self-Employed Ecosystem. You'll find out what part of your business needs attention and you'll also get a few laser-focused insights to help you start closing that gap. Have Your Website Brand Message Reviewed! Is your website speaking the right LINGO of your ideal customers? Having reviewed hundreds of websites, I can tell you 98% of websites are not. Fill out the simple LINGO Review application and I'll take a look at your website. I'll email you a few suggestions to improve your brand message to attract more of your ideal customers. Fill out the application today and let's get your business speaking the right LINGO! Host Jeffrey Shaw is a Small Business Consultant, Brand Management Consultant, Business Coach for Entrepreneurs, Keynote Speaker, TEDx Speaker and author of LINGO and The Self Employed Life (May 2021). Supporting self-employed business owners with business and personal development strategies they need to create sustainable success.

Today we were delighted to welcome the Honorable Lisa Raitt, Vice-Chair of Global Investment Banking at CIBC, for an insightful discussion focused on the implications of recent U.S.-Canada trade developments. Lisa joined CIBC Capital Markets in 2020 following an eleven-year tenure in the Government of Canada. Her distinguished career includes serving as Deputy Leader of the Official Opposition and the Conservative Party of Canada, as well as serving as Minister of Natural Resources, Minister of Labor, and Minister of Transport. We were thrilled to host Lisa and hear her valuable perspective on the evolving trade dynamics between the U.S. and Canada. In our conversation, we explore the Canadian view on President Trump's recent comments regarding tariffs and Canada's auto manufacturing industry, along with the broader implications for U.S.-Canada trade relations. We discuss Canada's political landscape, including Prime Minister Trudeau's decision to step down after losing party support, the Conservative Party's growing momentum under Pierre Poilievre, and Canada's economic challenges and growth concerns. We touch on the unifying effect trade tensions have had on Canadian political and business communities, the potential for retaliatory measures, the need for more power generation, transmission, and distribution to support Canada's economic growth, and intra-Canada trade complications that impact Canada's competitiveness. Lisa provides insight into the impact of the Canadian dollar and interest rates, how currency fluctuations affect key sectors including agriculture, manufacturing, tourism, and sports, the deep economic and familial ties between the U.S. and Canada, whether ongoing trade disputes could fundamentally alter the relationship between the two countries, and more. We are very thankful to Lisa for sharing her time and perspective. Mike Bradley started off the show by highlighting that President Trump's new tariffs and tariff threats are increasing volatility, but that for the most part, bond and equity markets have been moving sideways. He noted January CPI & PPI will be reported over the next two days which could create added market volatility for bonds and equities. If both inflation reports print cooler-than expected, it will likely lead to intensifying pressure from Trump for the FED to cut interest rates at the March FOMC Meeting. On the crude oil market front, WTI price has rallied this week to ~$73/bbl and crude oil time spreads are pointing to a physically tight oil market. Oil price continues to be impacted by on/off tariff threats and continued OPEC production curtailments but was aided this week on news that Russian oil exports are being impacted by tighter Russian oil sanctions. On the natural gas front, U.S. natural gas prompt price has rebounded to ~$3.50/MMBtu on colder weather and the 12-month natural gas strip is now trading above $4.00/MMBtu. BP indicated on their Q4 call that at current U.S natural gas prices, they were contemplating picking up gas rigs “now” which is a new development. He also noted that European natural gas price was trading at ~$17/MMBtu (~$100/bbl oil equivalent) because European gas storage is draining faster than expected due to colder winter weather and poor renewable performance/utilization. He ended by flagging Equinor's recent strategy shift (significant reduction in renewables capex thru 2030) and also noted that BP is calling for a “fundamental reset” of their strategy at their Capital Markets Day (Feb 26th). Robert Kester added his thoughts on AI's dominance in global discourse, highlighting this week's high-profile AI Summit in Paris and different global approaches to AI, including the U.S.'s free-market stance, Europe's push for regulation, and China's state-backed AI expansion. We hope you all enjoy the discussion with Lisa as much as we did. Our best to you all – and to our friends up north, let's work this out, eh!

Celestica (CLS) got an upgrade from CIBC following stronger-than-expected 4Q results. George Tsilis notes that the company is trading at a discount compared to its growth rate. He looks into how the company compares to its peers. ======== Schwab Network ======== Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribe Download the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185 Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7 Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watch Watch on Vizio - https://www.vizio.com/en/watchfreeplus-explore Watch on DistroTV - https://www.distro.tv/live/schwab-network/ Follow us on X – https://twitter.com/schwabnetwork Follow us on Facebook – https://www.facebook.com/schwabnetwork Follow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Anthony Furey, Newfoundland and Labrador Premier; Frances Donald, RBC & Avery Shenfeld, CIBC; The Front Bench with: Sharan Kaur, Jamie Ellerton, Geoff Meggs & Marieke Walsh.

Host Alex Pierson speaks with Lisa Raitt, a former MP and Co-Chair of the Task Force for Housing and current Climate Vice Chair of Global Investment Banking at CIBC about Trudeau announcing his resignation as leader of the Liberal party and proroguing parliament. Alex and Lisa discuss why Trudeau finally decided to make this move and what effect it could have on financial markets. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we start by discussing signs that we may be nearing a market peak, using examples like the catastrophic launch of the Hawk Tuah token and its striking resemblance to the speculative frenzy of 2021. Simon and Dan also break down the latest earnings reports from Canada’s Big 6 banks, highlighting the impressive performances of National Bank, Royal Bank, and CIBC, while examining the challenges faced by TD Bank. With insights into provisions for credit losses, loan impairments, and valuation metrics, this episode provides a comprehensive overview of the current state of Canada’s big banks. Tickers of stock discussed: NA.TO, CM.TO, RY.TO, TD.TO Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Date: November 7, 2024 Guest Skeptics: Shirley Ngo is a Digital Product Director at RBC. She has extensive experience working with top financial organizations such as General Electric, Citibank, and CIBC in both Canada and Singapore. Additionally, she is co-host and producer of the “Make It Shine Money” podcast, which offers a unique perspective that […] The post SGEM Xtra: If I Had A Million Dollars first appeared on The Skeptics Guide to Emergency Medicine.

What if leaders from opposite sides of the political aisle could come together to chart a path for a better economic future? In this illuminating episode, we sit down with the Honorable Anne McClellan and the Honorable Lisa Raitt, co-chairs of the Coalition for a Better Future, to explore their inspiring bipartisan efforts aimed at rejuvenating Canada's economy. You'll hear about the coalition's origins, its mission rooted in the global call to "build back better," and how these two formidable leaders use their diverse backgrounds to push for sustainable and inclusive economic growth. We then pivot to discuss the vital role of evidence-based decision-making and the power of cross-partisan collaboration. Anne and Lisa open up about their journey from political adversaries to partners in progress, offering insights into the benefits of starting from a common factual base to reduce polarization. They share candid personal anecdotes and practical advice on lowering emotional temperatures during contentious conversations, making this a must-listen for anyone interested in effective, empathetic leadership focused on making real progress rather than focusing on refusing to compromise. Finally, the conversation turns to the voices that often go unheard in discussions about economic growth: those from rural and small-town Canada. Anne and Lisa share heartfelt stories that highlight the need for inclusive leadership and the importance of listening to diverse perspectives. From dairy farmers to oil and gas executives, the coalition aims to ensure that economic growth is a shared benefit for everyone. This episode is a compelling reminder that economic progress isn't just about numbers; it's about people, unity, and a collective vision for a better future. Tune in to be inspired by their vision and learn how you can contribute to a more prosperous Canada. What You'll Learn: • The formation and mission of the Coalition for a Better Future. • The importance of evidence-based decision-making and cross-partisan collaboration. • The critical role of empathy in today's hyper-polarized environment. • Practical advice on lowering emotional temperatures in discussions and promoting constructive dialogue. • The critical need to include voices from all walks of life, especially those from rural and small-town communities, in the conversation about economic growth. Podcast Timestamps: (00:00) - The Origin Story of the Coalition for a Better Future (14:31) - Working Together for Constructive Dialogue (31:38) – What Does Economic Growth Mean to You? Creating A Conversation for All Canadians (37:07) – The Role of Empathy and Authentic Leadership (43:47) - Navigating Disagreements With Humility (52:38) - Uniting Canada for Economic Growth More of Anne and Lisa: The Honourable Lisa Raitt is vice-chair of global investment banking at CIBC and formerly the Deputy Leader of the Official Opposition. Having served in the House of Commons for eleven years, she held three portfolios as a Conservative cabinet minister: Natural Resources, Labour and Transport. The Honourable Anne McLellan is a former senior advisor at Bennett Jones in Edmonton and former Deputy Prime Minister. Having served as a Liberal MP from 1993 -2006, she held multiple ministerial portfolios, including Public Safety and Emergency Preparedness, Justice, and Natural Resources.   Coalition for a Better Future: https://www.canadacoalition.ca/ Key Topics Discussed: Positive Leadership, Coalition for a Better Future, Economic Growth for All, Canada, Sustainable Economic Growth, Inclusive Conversations, Evidence-based, Cross-partisan, Collaboration, Empathy, Bridging Divides, Authentic Leadership, Overcoming Polarization, Deliberative Democracy, Community Engagement, Authenticity, Transparency, Promoting Unity, Community Involvement, Influencing Policy More of Do Good to Lead Well: Website: https://craigdowden.com/ LinkedIn: https://www.linkedin.com/in/craigdowden/