Caldwell Wealth & Estate Advisory Ltd. staff 2016
Plan well. Live well.

The team that you will work with at Caldwell Wealth & Estate Advisory has the experience and knowledge to help you put plans in place that will guide you towards reaching your financial goals. These goals could include retirement planning, putting your estate in order, planning a legacy for future generations, planned giving to charitable organizations, effective tax reduction and putting strategies in place to help maximize the overall financial well-being of your family or business.

We look forward to meeting with you!

Meet the Caldwell Advisory Team

Knowledge. Strategy. Passion. |  Our strengths in play for you.

Caldwell Advisory consists of a team of skilled financial security advisors who are ready to work with you! In addition, through Freedom 55 Financial, we have access to a team of experts who help us put together the elements that you need, whether it is one solution or a complete financial plan.

  • Principal | Financial Planner

    Michael has been in the financial services industry since the early 1970s . His wealth of experience in banking, insurance and investments gives …

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  • Senior Partner | Financial Planner

    Since entering the financial advisory industry in 1985, Rick has committed his professional life to promoting the growth and success of his clients. …

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  • Partner | Financial Security Advisor

    Jason has been working in the financial services industry since the late 90’s. It all started back in Ottawa, when a local bank …

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  • Financial Security Advisor

    Dan began his career as a Financial Advisor in 2010 and has grown his practice by building strong client relationships. He aims to …

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  • Financial Security Advisor

    Josef has been working as a financial security advisor since the mid–1990s, and moved to work with Caldwell Wealth & Estate Advisory, Ltd. …

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  • Manager, Operations & Client Care

    Grace has worked in the client service industry since 2003. Starting in the restaurant business, she learned about the importance of fast, friendly …

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  • Client Care Co-ordinator
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  • Client Care Co-ordinator

    Kristen graduated from the Bachelor of Business Administration Degree program at St. Lawrence College in December 2013. She transferred into the degree program …

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  • Carter
    Executive Assistant to the Manager of Operations & Client Care

Is it time for you to talk to a financial advisor?

It is never too soon to start the conversation with a financial planner who can help you define your goals and put a plan into place to reach them.
  • We required advice and feedback with respect to our growing business and were fortunate enough to meet Rick and Jason while attending one of their seminars. In subsequent meetings, they were extremely thoughtful and aware of our specific situation. We were very impressed with not only the amount of time they spent preparing, but also presenting, in a professional manner an appropriate strategy for us. They assisted in not only strategizing goals but provided a keen, practical awareness of methods to achieve those goals. We strongly recommend reliance on their expertise and advice. It was an exercise to which we did not initially look forward to, however, Rick and Jason made it a pleasant, enlightening experience and we look forward to working closely with them in the future. We highly recommend reliance on their advice.

    Michael and Ida Cotman
    M.W. Cotman & Associates Inc. Real Estate Appraisers & Consultants | Kingston, ON
  • Our insurance and investment needs were transferred to Jason earlier this year. We were immediately impressed with his knowledge and experience, but were even more impressed with Jason's interpersonal style. We are not wealthy, but were treated with respect and appreciation by Jason. We felt comfortable with him and confident that his engaging and warm style was a true reflection of him as a financial advisor. He took a considerable amount of time to get to know us, our future aspirations and our current financial situation. He then developed plans that met our individual needs and circumstances. Jason answered all of our questions completely. His presentation style was such that his suggestions were nonjudgmental, supportive and encouraging, making us feel confident as active players in the decision making. We know our investments and our future are in good hands. Caldwell Investments are fortunate to have Jason representing their firm.

    Fred and Wendy
    Kingston, ON
  • I was introduced to Jason 4 years ago; and my investment portfolio is so happy that I did - unlike my previous advisors and their lack of communication, Jason regularly keeps me up to date, advises me on how certain "financial decisions" will impact me not only today but in the future, and most importantly helps me understand the complexity of my investment portfolio. He takes a genuine interest in my financial well-being and he has helped me navigate through some complex financial issues… I would highly recommend him to anyone looking for a unique wealth management experience.

    Derek McCauley
    Royal LePage | Kingston, ON
  • At the risk of sounding overly dramatic, I can honestly say that I would not be where I am at today financially without the knowledge, insight and expertise of Jason. He has helped me open doors that I wouldn’t have thought were possible in a very short period of time. Throughout the process he has helped talk me through every deal we have done in a language that has been easy to understand in a sometimes, confusing financial world. I can say with 100% certainty that I will have a long and prosperous relationship with Jason and his team at Caldwell. Thank you, sir a ‘million’ times over.

    Andrew Burns
    Foundry Athletics/Foundry Adventures
  • We have been working with Jason for a number of years and have found him to provide clear and concise advice in a highly professional manner. He has spent time understanding us, where we are coming from and our goals; has provided clarity on our existing financial planning and has provided us with a clear strategy as to how we achieve the goals that we have.

    Michael Davidson
    P.Eng. | Black Diamond Engineered Products
  • We have known Rick for over 25 years. His wide breadth of knowledge and experience, combined with a high degree of integrity has equipped him to deliver exceptional customer service. We value our ongoing relationship with Rick as he continues to guide us through the volatile times facing the financial sector.

    Dr. Robert and Kim Connelly
    Kingston, ON
  • I was looking for a solid detailed plan, and a trustworthy person to help us stay on track with it - Rick fits the bill.

    Scott Pyne
    P.Eng.
  • Michael and Josef have built and maintained our Employee Group Benefit Plan since 1999. There has never been an unanswered question or lack of communication over that time. In many instances they have gone back to the insurer and successfully renegotiated a premium reduction, even when there are no issues to be dealt with—they were just dropping in to say hi. For personal insurance Michael has looked after our family needs for 20 plus years, again with the best of service.

    Les Shemrock
    President, Reztel Communications Inc.
  • When I first met with Dan, I knew within minutes that I could trust him and his advice. Dan possesses a substantial knowledge of the markets and can articulate complex financial concepts in terms that non experts can easily understand. I truly appreciate that Dan has guided me according to my personal needs. I have complete confidence in his judgement and integrity and know that my investments are safe in his hands.

    Mark Babcock
  • When I wanted to purchase Life Insurance, Josef and Michael were an enormous help to me. Josef has been my financial advisor for over 10 years. He has assisted Ruth and I in setting up our finances for our retirement. For my insurance they took into account all of my needs, based on family, business and cost requirements.

    Ruth and Ed Solski
  • Beata and I have been clients of Caldwell Advisory since 1996 and have worked extensively with Josef to ensure that our family and business are properly protected and prepared for the future. Regardless of whether we’ve dropped in unexpectedly or we’re there for our scheduled review Josef has always taken the time to explain things in terms we can understand, being sure not to confuse us with technical jargon that sails over our heads. Josef is great at helping us feel confident with the plans we’ve put together with him and always reassuring at times when we need it most. It is nice to have friend as financial advisor.

    Marian and Beata F.
  • I have been working with Rick since 1985, and he has now served three generations of my family. When the media is promoting panic, Rick has always offered a calming voice, helping us avoid rash and emotional decisions that would have cost us. He has worked with us to consolidate our insurance and investment positions, identify our future needs and suggested ways to create a lasting legacy for some of the charitable causes that are important to us as a family. Now, he’s starting to help us pass on sound financial principles to our daughters.

    Kevin Titley
    High school teacher | Ottawa, ON
  • I have been a client of Caldwell Advisory since 1996 and over the years Michael has always been there for me. Whenever I’ve had concerns about the market Michael has only been a phone call away to reassure me that we’re on the right path. Michael’s greatest strengths are his honesty, integrity and his ability to engage you in the planning process.

    Wayne Sochasky
  • I started working with Rick while I was still in medical school, and even though my education and practice took me to different parts of the country, I have always had confidence that Rick was watching over my portfolio with the same care and attention as he would his own.

    Now, years later, as my practice and family grows he continues to play a pivotal role in helping me sort through the many opportunities and distractions that get put in front of me and my family. Having Rick quarterback my investments and insurance frees me to focus my attention on the many demands of my profession.

    Dr. John Tomc
    Windsor, ON | client since 1986
  • Michael has patiently and consistently walked us step by step from financial chaos to a solid plan for our future. In what seems like very short order he has managed to get us to tick all the relevant boxes leading us to a place of financial certainty.

    Dr. Brent Helmstaedt

Caldwell Advisory is a financial planning organization that understands there is more to creating and maintaining wealth than performance alone. We work with you to help you achieve your goals and financial objectives because we believe achieving these goals is your primary concern.

Our planning process helps ensure we are working within your objectives by helping you understand where you want to go and what you want to achieve.

By drawing on our years of expertise and the specialists we work with, Caldwell Advisory provides effective and timely solutions to risk management, tax issues, wealth accumulation and estate transfer strategies.

At every step our efforts are geared towards creating value for our clients. Through the utilization of a written financial plan developed using unbiased, professional, client specific advice we help you achieve your goals.

Why we do what we do »
Everyone needs to know why they do what they do, and we have worked hard to put our thoughts together in a way that guides us and helps us to get better for you.

Giving is important to us »
There are lots of opportunities to do good in this world and we are fully committed to giving back. In our world, that includes a charity for children in Kenya that is run by a man who turned his ‘what-do-I-do-now?’ thoughts into a mission to make a difference and a well-known charity that aims to find a cure to a disease that strikes many and often.

Want to know what our clients are saying about us? »
It important for us to know that we are serving our clients’ needs and helping them to reach their goals and dreams.

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