Rick Tomalty
Financial Planner
President & Managing Partner | Caldwell Advisory
Investment Advisor | Aviso Wealth
Since entering the financial advisory industry in 1985, Rick has committed his professional life to promoting the growth and success of his clients. As an accredited business and executive coach, he brings an insightful and unique values–based approach to planning that helps people align their financial decisions with their most important priorities, passions and people. In particular, Rick has a special talent for being able to translate complex financial issues into simple, understandable concepts, and tailoring an action plan specific to a client’s objectives.
Informed decisions make for regret-free decisions. To better inform and advise his clients, Rick has attained a number of relevant professional designations: Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), Chartered Financial Consultant (CH.F.C.), Certified Health Insurance Specialist (CHS) and Master Financial Advisor (MFA) with a specialization in Succession and Estate Planning. His specialized education and experience translate into valuable insights for business owners and shareholders of professional medical corporations, areas of expertise to which Rick dedicates much of his practice.
Rick and his wife, Carol, are actively involved in the local community, and are pleased to support numerous local, national and international charities.
Rick is a qualifying member of MDRT.
Rick is an Investment Advisor. See the CIRO Advisor Report.
PROFESSIONAL DESIGNATIONS | CFP, CLU, CH.F.C., CHS, MFA, CEANow, 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.
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.
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.
Articles written by Rick
HOOPP For Ontario Physicians: How Does HOOPP Fit Into Your Retirement Strategy?
Until January 2025, Ontario physicians were on their own to plan and fund their retirement. OMA has now opened up HOOPP. Should it be a part of your retirement strategy?
Of Ants and Grasshoppers
Ant or grasshopper? To help you decide which you might better relate to, here are some observable patterns that have led to my thesis.
Investors Behaving Badly
Studies show that an enduring failure for investors is to reap the full benefits offered by the most common of market indices.
Preparing for Retirement? Get the first question right.
For some reason, I was particularly puzzled that morning. Perhaps it was one too many late-night hockey games, or maybe the early morning darkness had me disoriented, but I was struggling with a decision that I make about 300 mornings each year.