Smart Advice with Carissa Lucreziano

CIBC
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CIBC Smart Advice is a personal finance podcast designed to help you make confident decisions about your money. Hosted by Carissa Lucreziano and featuring insights from economists, investment professionals, tax specialists and leading industry experts, each episode breaks down what’s happening in the constantly changing world—and what it actually means for you. Whether you’re building wealth, managing debt, or planning for the future, Smart Advice gives you practical, expert-backed guidance to help you make informed financial decisions for today and tomorrow. Hosted on Acast. See acast.com/privacy for more information.

  1. 1d ago

    The case for investing in Canada

    Should Canadians be investing more in Canada? In the season four finale of CIBC Smart Advice, host Carissa Lucreziano sits down with Dan Greenspan, Portfolio Manager with CIBC Global Asset Management, to explore where he sees some of the most compelling opportunities in Canada and how those opportunities can fit into a well-diversified portfolio. Dan explains why Canada's strengths in energy, mining and natural resources are attracting renewed attention, and shares his outlook for uranium and nuclear energy, oil and gas, copper and gold. Looking ahead, Dan shares why major infrastructure projects could play an important role in Canada's growth story, while emphasizing the importance of diversification when gaining exposure to the country's resource sector. About Daniel GreenspanDaniel Greenspan is a Senior Analyst and Portfolio Manager with CIBC Global Asset Management, where his work focuses on the materials and resources sectors. Prior to joining CIBC Global Asset Management in 2016, Daniel worked at Macquarie Capital Markets Canada Ltd., where he covered base metals, fertilizer and mining companies.. Mr. Greenspan holds a Master of Business Administration degree from the Rotman School of Management at the University of Toronto and a Bachelor of Arts degree in Economics from the University of Western Ontario. Resources Mentioned / Links List CIBC's "Smart Advice" Podcast and Website - Website | Apple Podcasts | SpotifyVisit CIBC for more Smart AdviceCIBC Canadian Resources FundCIBC Energy FundCIBC Precious Metals Fund The views expressed in this material are the views of CIBC, as of Monday, October 26, 2026, unless otherwise indicated, and are subject to change at any time. CIBC does not undertake any obligation or responsibility to update such opinions. This material is provided for general informational purposes only and does not constitute financial, investment, tax, legal or accounting advice, it should not be relied upon in that regard or be considered predictive of any future market performance, nor does it constitute an offer or solicitation to buy or sell any securities referred to. Individual circumstances and current events are critical to sound investment planning; anyone wishing to act on this material should consult with their advisor. CIBC Securities Inc. is a wholly-owned subsidiary of CIBC and is the principal distributor of the CIBC Mutual Funds. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the CIBC Mutual Funds simplified prospectus before investing. Alternatively, you may obtain a copy from your advisor. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Forward-looking statements include statements that are predictive in nature, that depend upon or refer to future events or conditions, or that include words such as "expects", "anticipates", "intends", "plans", "believes", "estimates", or other wording. In addition, any statements that may be made concerning future performance, strategies, or prospects and possible future actions taken by the fund, are also forward-looking statements. Forward-looking statements are not guarantees of future performance. These statements involve known and unknown risks, uncertainties, and other factors that may cause the actual results and achievements of the fund to differ materially from those expressed or implied by such statements. Such factors include, but are not limited to: general economic, market, and business conditions; fluctuations in securities prices, interest rates, and foreign currency exchange rates; changes in government regulations; and catastrophic events. Hosted on Acast. See acast.com/privacy for more information.

  2. Oct 13

    How Province of Canada built a proudly Canadian brand

    What does it take to turn an idea into a lasting Canadian business? In this episode of CIBC Smart Advice, host Carissa Lucreziano sits down with Province of Canada founders Julie Brown and Jeremy Watt to talk about building their Made in Canada lifestyle brand from the ground up. Julie and Jeremy share why Canadian manufacturing became central to their business, how they balanced Province of Canada with client work for seven years, and why they’ve chosen to grow at a pace that allows them to stay true to the brand. They also discuss the role storytelling and Canadian culture have played in building their community, the unexpected opportunity that came from Heated Rivalry, and what they’ve learned about building a business together as a married couple. About Julie Brown and Jeremy WattJulie Brown and Jeremy Watt are the founders of Province of Canada, a Canadian lifestyle brand they launched in 2014 with a focus on making well-designed everyday products in Canada. Both graphic designers by background, Julie and Jeremy spent the early years of the business balancing Province of Canada with a separate design and Shopify studio before eventually making the transition to working on the brand full time. Today, Province of Canada spans apparel, home and kids collections, with retail stores in Toronto and a continued commitment to Canadian manufacturing. Resources Mentioned / Links List CIBC's "Smart Advice" Podcast and Website - Website | Apple Podcasts | SpotifyVisit CIBC for more Smart AdviceProvince of CanadaProvince of Canada on InstagramHeated Rivalry Fleece Jacket 3 Reasons Why You Should Listen to This Episode Learn what it took to build Province of Canada over more than a decade, including seven years of balancing the brand with client work before making the leap full time.Hear how Julie and Jeremy are leaning into Canadian identity at a moment when supporting Canadian businesses feels especially relevant, and how they’ve used humour, culture and collaboration to express Canadian pride in their own way.Discover what they’ve learned about growing a business without losing sight of what makes it distinctive, from Canadian manufacturing and sustainable growth to staying consistent through years of uncertainty. Enjoyed this Episode?If you did, be sure to subscribe and share it with your friends! Building a business rarely happens overnight. For Julie Brown and Jeremy Watt, Province of Canada grew through years of consistency, a clear sense of what they wanted the brand to represent and a willingness to grow at their own pace. Whether you're building a business of your own, thinking about taking an idea further or navigating your next stage of growth, CIBC's Smart Advice hub offers expert insights, practical tools and resources to help you make informed financial decisions. 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. Hosted on Acast. See acast.com/privacy for more information.

  3. Sep 28

    Do you and your partner think differently about money?

    You can know your partner incredibly well and still have very different ideas about money. From how much to save and spend to how you share expenses and plan for the future, those differences can shape the financial decisions you make together. In this episode of CIBC Smart Advice, host Carissa Lucreziano sits down with financial psychologist and Certified Financial Planner Dr. Brad Klontz to explore the beliefs and experiences that influence how couples approach money. Brad explains how “money scripts” can develop from our earliest experiences with money, why partners often bring very different financial perspectives into a relationship, and how those differences can actually create greater balance. He also discusses how couples can navigate saving and spending, decide how to share expenses, set individual and shared financial goals, and build a financial system that evolves as their lives change. About Brad KlontzDr. Brad Klontz, Psy.D., CFP®, is an expert in financial psychology, financial planning and applied behavioural finance. He is an Associate Professor of Practice at Creighton University’s Heider College of Business, Co-Founder of the Financial Psychology Institute and Managing Principal of YMW Advisors. A Fellow of the American Psychological Association, Brad has written extensively on the psychology of money and has co-authored or co-edited numerous books on the subject. His latest book, Start Thinking Rich, explores the beliefs and behaviours that shape our financial lives. His work has been featured in The Wall Street Journal, The New York Times, The Washington Post, TIME, NPR, Good Morning America and other major media outlets. Resources Mentioned / Links List CIBC's "Smart Advice" Podcast and Website - Website | Apple Podcasts | SpotifyVisit CIBC for more Smart AdviceDr. Brad Klontz – Instagram | YouTube | LinkedInStart Thinking Rich3 Reasons Why You Should Listen to This Episode Understand how childhood experiences and “money scripts” can influence the way you and your partner save, spend and make financial decisions.Learn why there isn't one right way to combine finances, share expenses, or set financial goals as a couple.Discover how regular conversations, greater self-awareness and automation can help couples build a financial system that evolves with their lives. Enjoyed this Episode?If you did, be sure to subscribe and share it with your friends! Talking about money with your partner isn't always easy, but understanding where each person's financial beliefs come from can be an important first step. Whether you're setting shared goals, deciding how to manage expenses or simply checking in on what's working, open conversations can help you build a financial approach that works for both of you. CIBC's Smart Advice hub offers expert insights, practical tools and resources to help you navigate financial decisions together and plan for what comes next. 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. Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See acast.com/privacy for more information.

  4. Sep 8

    Is your money keeping up with your life?

    What does it mean to make your money work for the life you actually want? Carissa Lucreziano sits down with Jessica Moorhouse to talk about mindful spending, money habits, financial goals, and practical steps that can help you feel more confident and in control of your financial future. About Jessica Moorhouse Jessica is an award-winning Canadian money expert, Certified Financial Counsellor (CFC™), Qualified Associate Financial Planner™ (QAFP®), media personality, host of the top-ranking More Money Podcast, and bestselling author of "Everything but Money." Like many millennials, Jessica graduated from university during the Great Recession with student loans to pay off, no job, and zero idea how money worked. As it turned out, she wasn’t alone. The lack of relatable and non-judgmental financial advice available inspired her to found MoorMoney Media Inc., a financial education company that includes online courses, her YouTube channel, and one of the leading personal finance podcasts in Canada — the More Money Podcast. Jessica has been an on-air TV personality on CTV News, CBC News and BNN Bloomberg for over a decade, has been quoted by the media as a money expert hundreds of times, and often works as an influencer with big brands such as BMO ETFs, TELUS Online Security, Wise and QuickBooks. Her first book, "Everything but Money", hit bookshelves on Dec. 31, 2024 (HarperCollins Canada) and became an instant Indigo Staff Pick, Globe and Mail Bestseller, Toronto Star Bestseller, Amazon Bestseller and Quill & Quire Bestseller. Resources Mentioned / Links List ●      CIBC's "Smart Advice" Podcast and Website - Website | Apple Podcasts | Spotify ●      Visit CIBC for more Smart Advice ●      Jessica Moorhouse | Website ●      More Money Podcast ●      Everything but Money: The Hidden Barriers Between You and Financial Freedom 3 Reasons Why You Should Listen to This Episode 1.Understand how lifestyle creep and your money mindset shape the way you spend and save. 2.    Learn how clear financial goals can help you make smarter money decisions. 3.    Discover why investing and professional advice can help build lasting financial confidence. Enjoyed this Episode? If you did, be sure to subscribe and share it with your friends! Building a healthier relationship with money starts with understanding your options and having access to trusted information. CIBC's Smart Advice hub offers expert insights, practical tools and resources to help you make informed financial decisions at every stage 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. Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See acast.com/privacy for more information.

  5. Aug 24

    Is your tax strategy saving you money?

    Tax planning isn't just something to think about when it's time to file your return. The decisions you make throughout the year can have a meaningful impact on how much of your money you ultimately keep. In this episode of CIBC Smart Advice, host Carissa Lucreziano sits down with CIBC tax expert Jamie Golombek to explore practical tax strategies Canadians can consider at different stages of their financial lives. Jamie shares how understanding your tax rate can help you make more informed decisions about your money, uncover opportunities you may be overlooking and plan more effectively for the future. About Jamie GolombekJamie Golombek is Managing Director, Tax and Estate Planning with CIBC in Toronto. As a member of the CIBC Private Wealth team, Jamie works closely with advisors from across CIBC to support their clients and deliver integrated financial planning and strong advisory solutions. He joined the firm in 2008 after 12 years with a global investment company, where he was involved in both internal and external consulting on all areas of taxation and estate planning. Jamie has also worked for Deloitte as a tax specialist in the Toronto office, where he specialized in both personal and corporate tax planning. Jamie is quoted frequently in the national media as an expert on taxation. He writes a weekly column called “Tax Expert,” in the National Post, has appeared as a guest on BNN, CTV News, and The National, and for several years was a regular personal finance guest on The Marilyn Denis Show. He received his B.Com. from McGill University, earned his CPA designation in Ontario and qualified as a US CPA in Illinois. He has also obtained his Certified Financial Planning (CFP) and Chartered Life Underwriting (CLU) designations. In 2023, Jamie was named a CPA Ontario Fellow. The FCPA is the highest distinction that can be bestowed upon a CPA who brings distinction to themselves and to their profession through leadership and achievement in their professional, community or personal lives. Jamie is a past chair of the Investment Funds Institute of Canada’s Tax Working Group. He is also a member of CPA Ontario, the Illinois CPA Society, the Estate Planning Council of Toronto, the Canadian Tax Foundation and the Society of Trust and Estate Practitioners. For nearly two decades, Jamie taught an MBA course in Personal Finance at the Schulich School of Business at York University in Toronto. Visit Jamie Golombek’s profile on CIBC here. Resources Mentioned / Links List ●      CIBC's "Smart Advice" Podcast and Website - Website | Apple Podcasts | Spotify ●      Visit CIBC for more Smart Advice ●      Jamie Golombek | CIBC ●      CIBC | Tax Toolkit 2026 ●      CIBC | Do You Know What Your Tax Rate Is? ●      CIBC | Give a Little Bit: Tax Planning & Gifting ●      CIBC | First Home Savings Account (FHSA) resources 3 Reasons Why You Should Listen to This Episode Learn how understanding your marginal tax rate can help you make smarter decisions about where and how you save and invest.Discover tax planning opportunities around gifting, homeownership and strategies you may not have considered.Understand why proactive planning can be especially important for business owners, families and Canadians preparing for major financial milestones. Enjoyed this Episode?If you did, be sure to subscribe and share it with your friends! Tax rules can be complex, but understanding how they apply to your financial decisions can help you plan with greater confidence. CIBC's Smart Advice hub offers tax tips, expert insights, tools and resources to help you better understand your options and make informed decisions throughout the year. 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. Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See acast.com/privacy for more information.

  6. Aug 10

    Spotting investment fraud before you act

    Online fraud is evolving at an unprecedented pace. Today's scams are more convincing, more personalized, and increasingly difficult to recognize, whether they arrive through a phishing email, a fake investment opportunity, a romance scam, or even a voice that sounds like someone you know and trust. In this episode of CIBC Smart Advice, host Carissa Lucreziano speaks with Joe LoBianco, Chief Information Security Officer at CIBC, about how fraud has changed, the warning signs Canadians should never ignore, and the simple habits that can significantly improve your online security. Together, they discuss how banks detect suspicious activity before clients even know something is wrong, why scammers rely on urgency and emotional manipulation, and how tools like password managers and multi-factor authentication can provide an extra layer of protection. Joe also shares practical advice on what to do if you believe you've been targeted by fraud and the trusted resources available to help Canadians stay informed. About Joe LoBianco Joe LoBianco is Chief Information Security Officer at CIBC, where he leads the bank's cybersecurity strategy and the teams responsible for protecting clients, employees, systems, and data from evolving cyber threats. With more than 20 years at CIBC, he is focused on building trust through innovative security solutions that help keep Canadians safe in an increasingly digital world. Resources Mentioned / Links List ●      CIBC's "Smart Advice" Podcast and Website - Website | Apple Podcasts | Spotify ●      Visit CIBC for more Smart Advice ●      Joe LoBianco | Linkedin ●      Canadian Anti-Scam Coalition | standagainstscams.ca/ ●      Stand Against Scams | Instagram 3 Reasons Why You Should Listen to This Episode Learn how today's most common scams work, and the warning signs that can help you recognize them before it's too late.Discover practical cybersecurity habits, including password management and multi-factor authentication, that can better protect your personal information and finances.Understand how CIBC detects suspicious activity behind the scenes and why slowing down may be your best defence against fraud. Episode Highlights [02:40] How Banks Detect Fraud Before Clients Know Joe explains how transaction monitoring, behavioural patterns, and real-time analysis help identify suspicious activity before fraud escalates. [04:42] The New Reality of Modern Scams Joe explores how fraud has evolved beyond phishing emails to include romance scams, investment fraud, and increasingly sophisticated impersonation tactics. [08:21] The Biggest Red Flag to Watch For "Usually, the fraudsters will try to manufacture some sense of urgency." Joe explains why pressure and emotional manipulation are at the heart of many scams, and why slowing down can be your best defence. [10:09] Strengthening Your Everyday Security Joe shares practical ways to better protect your accounts, from password managers to multi-factor authentication and biometrics. [19:14] Think Before You Click "There really is no urgency in most situations to acting." Joe shares the simple mindset he applies to suspicious emails, texts, and messages, and why taking a moment before responding can prevent costly mistakes. Enjoyed this Episode? If you did, be sure to subscribe and share it with your friends! Protecting yourself from fraud starts with staying informed. CIBC offers a range of resources to help you recognize scams, strengthen your digital security, and stay up to date on emerging fraud trends. Visit our website to explore more articles, tools, and expert advice designed to help you bank with confidence. 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. Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See acast.com/privacy for more information.

  7. Jul 20

    What successful families do to stay wealthy

    What do wealthy families talk about differently? Lana Robinson joins Carissa Lucreziano to explore the conversations and the habits that help families build lasting financial legacies. What if the biggest difference between families who build lasting wealth and everyone else isn't how much they earn, but how they think? When we talk about wealth, we often focus on investments, markets, and financial strategies. But for families who successfully build and preserve wealth across generations, the most important conversations often have nothing to do with money at all. In this episode of CIBC Smart Advice, host Carissa Lucreziano sits down with Lana Robinson to explore what she's learned from working closely with successful families and business owners. Through stories and practical examples, Lana shares what successful families have in common when it comes to building wealth, preparing future generations, and creating a legacy that lasts. About Lana Robinson Lana Robinson is Head of Ultra-High Net Worth Private Banking and CIBC Family Office. She works with multi-generational families to articulate a vision for their wealth, their families, and their communities. Partnering closely with ultra-high net worth families and their advisors, Lana helps navigate the complexities of wealth, develop strategies for intergenerational wealth transfer, and build frameworks that support responsible stewardship across generations. In her role, Lana collaborates with advisors across CIBC Private Wealth and experts throughout CIBC North America to deliver highly customized solutions, from banking and investment strategies to complex credit arrangements and specialized planning. Her work focuses on helping families preserve wealth, prepare future generations, and build lasting legacies. Lana holds the Family Enterprise Advisor (FEA), Certified Financial Planner (CFP), and Certified Private Wealth Advisor (CPWA) designations. Visit Lana Robinson’s profile on CIBC here. Resources Mentioned / Links List ●      CIBC's "Smart Advice" Podcast and Website - Website | Apple Podcasts | Spotify ●      Visit CIBC for more Smart Advice ●      Lana Robinson | CIBC ●      Your guide to estate planning 3 Reasons Why You Should Listen to This Episode Discover the habits and conversations that successful families use to build lasting wealthLearn how to prepare the next generation for inheritance and financial responsibilityExplore how families approach big financial decisions. Enjoyed this Episode? If you did, be sure to subscribe and share it with your friends! Building wealth isn't just about numbers. It's also about values, communication, and creating a vision for the future. Whether you're planning for retirement, preparing the next generation, or simply trying to make more intentional financial decisions, this episode offers practical insights that can help you build a stronger financial foundation. 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. Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See acast.com/privacy for more information.

  8. Jul 6

    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 how much of what we hear every day actually matters? Are Canadians finally starting to regain some financial stability? And what economic trends deserve more attention over the months ahead? In this episode of CIBC Smart Advice, host Carissa Lucreziano sits down with Benjamin Tal, Deputy Chief Economist at CIBC Capital Markets, to unpack the forces shaping Canada's economy right now. From inflation and consumer confidence to AI, housing and the future of work, this conversation is about separating signal from noise and helping Canadians focus on what will have the biggest impact on their finances. 3 Reasons Why You Should Listen to This Episode Learn which economic headlines Canadians should actually pay attention to right nowUnderstand how AI, the labour market and housing are reshaping Canada's futureDiscover Benjamin Tal's outlook on inflation, interest rates and where the economy is headed next About Benjamin Tal Benjamin Tal is Deputy Chief Economist at CIBC Capital Markets and a member of CIBC's economics team, where he analyzes macroeconomic developments and their implications for fixed income, equity, foreign exchange and commodities markets. Well known for his research on labour market dynamics, real estate, credit markets, international trade and business conditions, Benjamin not only contributes to the economic conversation but frequently helps shape it. He also advises bank leaders on issues related to wealth management, household credit and risk, and corporate credit and risk. With nearly 20 years of experience advising clients, industry leaders, corporate boards, trade associations and governments, Benjamin is a regular commentator in the media and a trusted voice on the economic issues shaping Canada's future. Benjamin is a member of the Economic Committee of the Canadian Chamber of Commerce and the Economic Development Committee of the Toronto Board of Trade. He also serves on the boards of Junior Achievement of Central Ontario and Toronto Financial International. Visit Benjamin Tal's profile on CIBC here. Resources Mentioned / Links List ●      CIBC's "Smart Advice" Podcast and Website - Website | Apple Podcasts | Spotify ●      Visit CIBC for more Smart Advice ●      Benjamin Tal | CIBC Capital Markets Inc. Enjoyed this Episode? If you did, be sure to subscribe and share it with your friends! Canadians are constantly navigating a flood of economic headlines, but understanding what truly matters can make financial decisions feel much more manageable. Whether it's inflation, interest rates, housing or the future of work, focusing on long-term trends instead of short-term noise can help Canadians make more informed decisions about their future. 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. Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See acast.com/privacy for more information.

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CIBC Smart Advice is a personal finance podcast designed to help you make confident decisions about your money. Hosted by Carissa Lucreziano and featuring insights from economists, investment professionals, tax specialists and leading industry experts, each episode breaks down what’s happening in the constantly changing world—and what it actually means for you. Whether you’re building wealth, managing debt, or planning for the future, Smart Advice gives you practical, expert-backed guidance to help you make informed financial decisions for today and tomorrow. Hosted on Acast. See acast.com/privacy for more information.

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