Smart Advice with Carissa Lucreziano
CIBC Smart Advice is a personal finance podcast hosted by Carissa Lucreziano. It features insights from economists, investment professionals, tax specialists, and industry experts. Each episode breaks down current events and their impact on personal finances. The podcast offers practical, expert-backed guidance on building wealth, managing debt, and planning for the future.
Episodes
Canada's economic outlook: Relief or more risk?
Are Canadians finally catching a break? Benjamin Tal joins Carissa Lucreziano to unpack inflation, interest rates, AI, housing and the economic trends Canadians should actually be paying attention to right now.Economic headlines are competing for Canadians’ attention. Housing is still stretched, economic signals are mixed, and AI is starting to reshape how people think about work and growth.But ho
Buying a second property? What to know first
More Canadians are considering a second property, purchasing with family, or using real estate to build long-term wealth. But in a more complex market, the right opportunity often depends on more than location or timing. In this episode of Smart Advice, Carissa Lucreziano sits down with real estate investor and TV host Scott McGillivray to discuss what Canadians should think through before ma
Are you truly diversified? Know your blind spots
Investing has never felt more personal. Canadians today have more access to markets, investing tools and financial information than ever before, but with constant headlines, social media advice and investing trends competing for attention, staying engaged can quickly turn into reacting to short term noise.How do you stay informed without getting caught up in investment FOMO? And how do you build a
When equal isn't fair: inheritance done right
Your inheritors don't need equal—they need fair. Canada is in the middle of its largest intergenerational wealth transfer in history. How do you balance fairness when your children have different financial needs? When is the right time to give? And how do you ensure your intentions don't create unnecessary family tension in the future? In this episode of CIBC Smart Advice, host Carissa Lucrez
What's next for Canada's economy? Former cabinet ministers weigh in
As Canada–US trade dynamics evolve alongside global instability and rising inflation, they break down how major policy decisions are made and what they mean for Canadians in practical terms. This discussion explores the balance between long-term economic growth and short-term affordability, the role of natural resources and energy in Canada’s future, and how global events, from tariffs to geopolit
Introducing Season 4 of Smart Advice with Carissa Lucreziano
The headlines are loud. Markets are shifting. And it’s getting harder to know what actually matters. This season of CIBC Smart Advice is all about staying grounded when the news moves faster than your financial plan. Hosted by Carissa Lucreziano, this season brings together economists, investment professionals, and tax experts to help Canadians cut through the noise and focus on what rea
Smart Advice Podcast: Best of 2025
Here are three reasons why you should listen to this episode:Discover the key themes shaping financial decision-making, from economic shifts to evolving investor needs.Understand how resilience emerged as the strongest guide for navigating uncertainty.Learn how expert insights can inspire clearer and more confident choices moving forward.ResourcesCIBC's "Smart Advice" Podcast and Website - Website
Protecting your legacy: Succession strategies for business owners
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 Podc
Passing on wealth: Strategies to Give, Receive, and Thrive
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
Beyond the headlines: interest rates, housing and where the economy is headed
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 unce
Tax Planning, Year-End Strategies, and Cross-Border Wealth with Jamie Golombek
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
Bullish on bonds? An expert update on the fixed income market
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 y
How an investment expert plans for rising education costs
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 fami
Investing in yourself: Practical tips for a healthier, richer life with Dr. Noah Levine
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 enjo
What else can you invest in? How alternative investments are shaping the market
Here are three reasons why you should listen to this episode:Understand the rise of alternative investments and why public markets are no longer the full picture.Learn how private equity, private credit, and real assets can enhance diversification and hedge against inflation.Gain clarity on how everyday investors can access and implement alternatives in traditional portfolios.ResourcesAlternative
What Canadians want: New CIBC poll reveals what matters most to us right now
Has the current economic landscape led you to revisit your goals or adjust your journey to achieving them? If so, you’re not alone. In this episode of Smart Advice, Carissa Lucreziano is joined by Sean Simpson, Senior Vice President of Public Affairs at Ipsos, to unpack the findings of the inaugural CIBC Ambitions Index. Together, they explore how Canadians are reshaping their goals with a focus o
Recession or rally? Mid-year investment insights and strategies with David Wong
Market volatility isn’t new, but over the past year it has intensified due to tariff tensions, unpredictable interest rates, and persistent inflation, leaving investors to navigate contradictory and confusing economic signals. This raises a critical question for investors: how can you make wise decisions when news cycles outpace policy changes and traditional indicators seem unreliable?In this ep
Canada’s housing market: What would Scott McGillivray do?
For many Canadians, real estate is a deeply personal milestone. It’s an investment in the future, and often a building block for wealth. But as we look ahead, a new reality is taking shape. With mortgage renewals on the horizon, economic uncertainty and real estate markets showing varied performance across the provinces, homeowners and buyers alike are facing more complex decisions than ever. Is n
What’s next for Canada? Lisa Raitt on politics and the economy in the Carney era
In this episode of Smart Advice, Carissa Lucreziano sits down with the Honourable Lisa Raitt, former federal cabinet minister and current Vice Chair of CIBC Capital Markets, to navigate the complex interplay of politics, economics, and markets. With insight shaped by decades of experience in government and now in the financial services sector, Lisa cuts through the noise to reflect on what matters
Introducing Season 3 of Smart Advice with Carissa Lucreziano
No matter where you’re at in life, money can help you reach your goals and get you where you want to go. That's why it's so important to talk about it. Get ready for Smart Advice – a podcast that brings the money conversation right to you. Hosted on Acast. See acast.com/privacy for more information.
Women's guide to wealth: Smart money strategies for every stage
Women’s financial journeys are shaped by unique milestones and challenges ranging from navigating career transitions to planning for retirement. In this special edition of Smart Advice, we break down the results of a groundbreaking Women of Influence+ survey conducted in collaboration with CIBC, on Women, Money, and WealthThis episode offers expert guidance and practical tools to help you navigate
Yours, mine, ours: How blended families can navigate the nuances of wills and estate planning
In this episode of Smart Advice, we delve into the intricate world of estate planning for blended families—a crucial yet often overlooked topic for many Canadians. Estate planning becomes significantly more complex when it involves couples with children from previous relationships, second marriages, or common-law partnerships, which are increasingly common across the country. Our guest, Richard Vo
How to manage your career like a business with Kelley Keehn
Are you ready to elevate your career? The job market is evolving faster than ever, and adapting to these changes has become critical.In this episode of Smart Advice we dive into a conversation with Kelley Keehn, author, entrepreneur and financial educator, on how to manage your career as a business.Whether you're a seasoned professional or just starting your journey, learning how to align your car
Harris or Trump? The economic stakes of the US election
With key policies on trade, tariffs, and taxation hanging in the balance, investors worldwide are closely watching the upcoming U.S. presidential election.In a time of global economic uncertainty, this episode of Smart Advice explores the potential impact of different election outcomes. Featuring Michael Sager, Managing Director and Head of Multi-Asset and Currency Management at CIBC Asset Managem
Money lessons: How to help your kids get ahead with Robin Taub
Do you remember when and how you learned about money? From budgeting and saving to applying for credit cards or taking out a loan, building an early foundation of financial literacy is a key strategy to ensuring long-term financial success. That makes it all the more important for parents to grant their children a measure of money-savviness and financial know-how as soon as they can.In a world whe
Investing for success: Key strategies to build long-term wealth
In a world of financial uncertainty and rapid market changes, long-term investing success can be achieved by focusing on the areas and strategies that are within your control. You've undoubtedly heard that investing is an excellent way to build wealth, but there's more to investing than simple tricks like "buy low, sell high". This episode dives into a compelling conversation with Michael Keaveney
Inflation, Interest Rates, and the Future of the Canadian Economy with Avery Shenfeld
Whether you're looking for a new mortgage, contemplating your investment strategy, or simply trying to make sense of the economy, join us for a conversation with Avery Shenfeld, Managing Director and Chief Economist at CIBC Capital Markets, to shed light on the recent interest rate cut, its expected impact on the Canadian economy, and what this means for consumers.Here are three reasons why you sh
How the capital gains tax changes could impact your tax bill with Jamie Golombek
Tax expert Jamie Golombek, Managing Director of Tax & Estate Planning at CIBC Private Wealth, joins us for an in-depth conversation on the new higher capital gains inclusion rate, and what this change could mean for Canadians and their future financial decisions—including individuals, investors, and businesses or corporations. If you might be affected by the change, you’ll want to listen to this e
Building from the ground up: Real estate investing in Canada with Scott McGillivray
Get ready for an in-depth conversation with savvy real estate investor Scott McGillivray, as he shares the ins and outs of his journey from a university student facing housing challenges to a real estate investment guru. Discover Scott's strategic approaches to investment, key financial insights, and personal anecdotes that highlight the resilience required to thrive in the competitive world of re
How the cost of living in Canada is reshaping our spending habits with Andrew Grenville
In this episode of the Smart Advice Podcast, we delve into the financial factors and emerging trends shaping the lives of Canadians today. Joined by Andrew Grenville, Executive Vice President of Research at Angus Reid, we explore a range of topics, from the significant impact of rising living costs, to the evolving spending habits that prioritize savings over brand loyalty.We also discuss the vari
Navigating Canada’s real estate market with Benjamin Tal
Dive into the complexities of the Canadian housing market with our latest episode of "Smart Advice," where we explore the challenging landscape of real estate affordability, market dynamics, and government policies. In this episode, CIBC’s Deputy Chief Economist, Benjamin Tal dissects the ongoing affordability crisis, stagnating market trends, and the anticipated impacts of governmental and econom
What you need to know about investing your money in 2024
Trying to make sense of the current investment landscape? Worried about inflation eating away at your savings? Want to create a predictable income stream for your future? This episode is for YOU, the Canadian investor seeking smart strategies to build wealth.In this episode of the Smart Advice Podcast, we are joined by David Scandiffio who is the President and CEO of CIBC Asset Management. David d
Introducing Season 2 of Smart Advice with Carissa Lucreziano
No matter where you’re at in life, money can help you reach your goals and get you where you want to go. That's why it's so important to talk about it. Get ready for Smart Advice – a podcast that brings the money conversation right to you. Hosted on Acast. See acast.com/privacy for more information.
Best of 2023: Top insights and financial advice
Season 1 of the Smart Advice Podcast brought a wealth of financial advice, tips and insights to help support Canadians along their financial journey. We covered a variety of timely and important topics, from the state of the economy and the markets to advice around investing and saving for life’s major goals.In this bonus episode, we look back at highlights from this season that can better positi
The art of financial multi-tasking with Rob Carrick
Navigating rising housing and grocery prices, managing bills, and dreaming of homeownership by 30? Wondering if retiring at 65 is still feasible? The financial roadmap has shifted from what our parents and grandparents once knew.The art of financial multi-tasking—juggling multiple financial goals simultaneously—can be a game-changer. It allows you to steadily chip away at your financial milestones
Exploring the potential of generative AI with Robertson Velez
Artificial Intelligence (AI) has been a popular topic in recent years, especially with the advancement of generative AI and the creation of tools like ChatGPT. People and businesses alike are exploring ways to integrate the technology into our daily lives from education and services, to businesses and investing. To look at the growing opportunities for generative AI in finance, Robertson Velez is
What's next for inflation and interest rates? with Avery Shenfeld
The strength of the economy and how it impacts Canadians is top of mind right now. Over the last year, Canadians have faced high inflation, multiple interest rate hikes and a rising unemployment rate. So it’s no surprise, many are wondering what to expect next.In this episode, CIBC’s Managing Director and Chief Economist, Avery Shenfeld joins us to give his insights and analysis on the market and
Making the right moves in real estate investing with Scott McGillivray
There’s growing interest in investing in the housing market right now, but starting a portfolio in real estate investing can be challenging and many may even be wondering if this is the right time to invest, given the current climate.In this episode, Scott McGillivray joins us on Smart Advice with his answer — don’t think about timing the market, instead, think about how much time you will be in t
How the FHSA helps first-time Canadian homebuyers with Jamie Golombek
Homeownership is a dream that many Canadians aspire to, but with rising home prices — especially in places like Ontario or Vancouver, BC — achieving that dream is becoming more difficult.That’s where the First Home Savings Account comes in. It’s a new savings plan introduced to help first-time Canadian homebuyers land their first home. In this episode, Jamie Golombek gives us an overview of the FH
Why you need a financial planner in your corner with Tashia Batstone
Managing your finances can be difficult and stressful. This is especially true when you don’t know how financial planning works. Financial planning is essential for anyone who wants to achieve financial security and wellness. Fortunately, professional financial planners are here to help you build a plan and implement it for a better, financially secure life.In this episode, Tashia Batstone joins u
Estate planning simplified: The Willful way with Erin Bury
When it comes to difficult conversations, those around wills and estate plans tend to top the list. The planning can be emotional, overwhelming or costly. But it is a conversation worth having, if you want to ensure your wishes are carried out and the process itself doesn’t need to be as complicated as you may think.On this episode of Smart Advice, we are joined by Willful’s CEO and Co-Founder, Er
Are your investing instincts always right? Spot the difference between fear and foresight
The recent market trends have taken even the most seasoned investor for an emotional roller coaster ride. And those feelings can have a significant impact on financial decisions, driving both savvy and irrational investment choices.In this episode of Smart Advice, CIBC’s Managing Director and Head of Institutional Equities Mark Herzog joins us. As a seasoned trader and investor, Mark shares his in
The great Canadian wealth transfer: From baby boomers to beneficiaries
Canada is currently experiencing one of the largest intergenerational wealth transfers in history. An estimated $1.1 trillion will change hands as the baby boomer generation passes on their wealth. But passing assets to your beneficiaries isn’t as simple as handing over the key to a house.In this episode of the Smart Advice podcast, we revisit a timely conversation from our recent virtual event wi
Banking on resilience: An outlook on Canada’s financial sector
In a time of global economic uncertainty, concerns about how the US banking crisis might impact Canadian banks and the overall economy, have emerged. But it’s time to put those worries to rest. The Canadian financial system stands on solid ground, compared to its American counterparts.In this Smart Advice episode, we delve into the state of the Canadian economy, with senior equity research analyst
Rent vs buy: A conversation with Benjamin Tal
Homeownership remains a top goal for many Canadians, but with rising interest rates and inflation, many are feeling like it’s becoming further out of reach. In this episode, CIBC Deputy Chief Economist Benjamin Tal discusses the realities of the housing market. We explore the general mindset on renting in Canada, whether it is a good time to buy a home or take on an investment property and how dev
So you got a tax refund, now what?
No one likes paying taxes, but everyone enjoys a big tax refund. The average Canadian receives just over $2000 as a tax refund, but getting a refund might not always be a good thing. On top of that, many Canadians tend to overspend when they receive their tax refund check.In this episode, Carissa shares how tax refunds work, explores smart spending options and delves into the idea around why tax r
Beyond the 60-40 rule: Rethinking the asset mix for modern investors
The 60-40 portfolio has been a go-to investment strategy for decades. Unfortunately, it encountered a major setback in 2022, with stocks and bonds experiencing substantial losses.Persistently low interest rates and market unpredictability are complicating today's financial landscape, in turn igniting a debate regarding the relevance of the 60-40 model. In this episode, David Wong, Managing Directo
Introducing Smart Advice with Carissa Lucreziano
No matter where you’re at in life, money can help you reach your goals and get you where you want to go. That's why it's so important to talk about it. Get ready for Smart Advice – a podcast that brings the money conversation right to you. Hosted on Acast. See acast.com/privacy for more information.
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