Business Details
Your Trusted Financial Planning Partner in Kingston, Ontario
Caldwell Advisory is dedicated to transforming financial uncertainty into confidence and clarity for our clients. With a team of experienced financial security advisors, we specialize in creating personalized financial plans that align with your values and long-term goals. Our expertise spans retirement planning, estate management, investment strategies, and risk mitigation, tailored to individuals, families, and business owners. We prioritize client-centric solutions, combining industry-leading certifications with a commitment to transparency and trust. Since our founding, we have focused on empowering clients through comprehensive financial education, strategic planning, and ongoing support.Our approach emphasizes collaboration, ensuring clients understand every aspect of their financial journey while benefiting from our decades of combined experience. We serve residents of Ontario, offering both fee-for-service and fee-based planning options to accommodate diverse needs. Our partnerships with specialists and institutions like Aviso Wealth enable us to deliver holistic, actionable solutions. Client testimonials highlight our integrity, responsiveness, and ability to simplify complex financial concepts. We are proud to support local communities and maintain a mission-driven focus on creating lasting value for every client we serve.
Services
Financial Planning
Estate Planning
Investment Management
Risk Management
Retirement Planning
Business Advisory
Group Benefits
Tax Strategies
Highlights and features
- We offer personalized financial plans developed by certified advisors with decades of combined experience.
- Our strategic business planning services unlock growth opportunities for small-to-medium-sized enterprises.
- We provide transparent fee structures with both fee-for-service and fee-based planning options.
- Our team holds advanced certifications including CFP, CLU, and CH.F.C. designations.
- We maintain partnerships with specialists to deliver comprehensive, multidisciplinary financial solutions.
What people say
Trust his judgment
Exceptional customer service
Patient and thorough explanations
Significant portfolio growth
Available for questions anytime
Services
Financial Planning
Our financial planning process creates customized roadmaps for long-term security. We analyze cash flow, investment portfolios, and life goals to develop actionable strategies. Clients receive ongoing guidance to adapt plans as circumstances evolve, ensuring alignment with changing market conditions and personal priorities.
Estate Planning
We design comprehensive estate plans that protect assets and facilitate smooth intergenerational transfers. Services include will creation, trust establishment, and tax-efficient gifting strategies. Our approach ensures clients maintain control over asset distribution while minimizing legal complexities for beneficiaries.
Investment Management
Our investment strategies focus on risk-appropriate asset allocation and diversification. We monitor market trends to optimize portfolio performance while maintaining clear communication about investment decisions and their alignment with client objectives.
Business Advisory
We help business owners maximize corporate value through tax-efficient structures and succession planning. Services include strategic growth analysis, executive compensation design, and integration of personal and business financial goals.
Risk Management
Our risk management solutions identify protection gaps and implement appropriate insurance coverage. We evaluate life, disability, and critical illness insurance needs to safeguard clients' financial security against unexpected events.
People
Michael Caldwell
CEO & Founder
With CLU, MFA, and EPC designations, Michael leads our advisory team, combining 25+ years of experience in wealth management and estate planning strategies for individuals and businesses.
Rick Tomalty
President & Managing Partner
A CFP and CLU professional with CH.F.C. certification, Rick specializes in financial planning for medical professionals, offering tailored solutions developed through 30 years of industry expertise.
Dan Lambert
Partner & Financial Planner
Holding CFP, CIM, and FCSI designations, Dan provides comprehensive financial planning services, focusing on retirement strategies and investment management for high-net-worth clients.
Jason Stubinsky
Vice President & Partner
As an investment advisor with specialized credentials, Jason delivers strategic portfolio management and business succession planning, emphasizing clear communication and client education.
Andrew Fowler
Financial Advisor
Andrew combines his BA in Economics with practical financial planning experience to help clients achieve their wealth management goals through personalized, data-driven strategies.
Questions
What financial planning services do you offer?
We provide comprehensive services including retirement planning, estate management, investment strategies, business advisory, and risk mitigation tailored to individual and business needs.
Do you work with clients outside Ontario?
Our services are specifically designed for Ontario residents, ensuring compliance with local regulations and market conditions.
What certifications do your advisors hold?
Our team includes Certified Financial Planners (CFP), Chartered Life Underwriters (CLU), and specialists with advanced designations like CH.F.C. and CIM.
How are your fees structured?
We offer transparent fee-for-service planning and fee-based options, with clear explanations of costs before initiating any engagement.
Can you help with business financial planning?
Yes, we specialize in unlocking growth opportunities for small-to-medium businesses through strategic tax planning, succession strategies, and capital optimization.
Reviews (3)
Rick Frasso
Mar 10, 2021
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Positive:Quality
It is comforting to know that Michael is not only concerned with our financial well being but also our personal and family concerns. I feel that this organization puts me first. Safety, security and honestly is what Caldwell provides.
It is comforting to know that Michael is not only concerned with our financial well being but also our personal and family concerns. I feel that this organization puts me first. Safety, security and honestly is what Caldwell provides.
D. B.
Oct 10, 2019
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One of the best decisions we have ever made is to invest in ourselves and business through a relationship with Caldwell - specifically Jason Stubinsky. Jason gets us and our goals, he see's our big picture and believes in it, assisting us and advising courses of action to get us where we need and want to be. It has been a very rewarding experience for us overall. Outside of the vast financial/investment knowledge and resources for insurance coverage and more - Jason is a personable, down to earth person who genuinely cares. We appreciate a comfortable environment where the expert works his magic
Chris Matthey
Aug 23, 2019
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I have worked with Dan Lambert and Michael Caldwell at Caldwell Wealth for nearly a decade. I have been very pleased about my experience with each of them. Dan and Michael are very knowledgeable, professional, and thorough. I would not hesitate to recommend Dan or Michael to any potential client.
