PROFESSIONAL DESIGNATIONS | CLU, MFA, EPC
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.
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.
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.
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.
For over 25 years we had focused on self-managing our financial and retirement portfolio as well as relying on advice and direction from a particular big bank’s financial division. We were confident that the decisions we had been making were the right ones in order to maximize our goals. We could not have been more wrong. Michael Caldwell and his team immediately went to work dissecting and analyzing our rather complicated portfolio and made us come to realize how much more we could achieve while also saving more from our current fee structure. We also had Michael’s team work up a comprehensive retirement strategy for us which provided options that were previously unknown. Never any pressures to invest in a single direction, Michael always offers thoughtful options based upon our comfort level. We can honestly say that we wish we would have utilized their options 25 years ago!