How we can help you.

The financial security advisors at Caldwell Wealth & Estate Advisory Ltd. are skilled in all of the parts that go into making a financial plan work for you and your family. Whether you just have questions or are ready to get down to work, we can help you where you need it most, right now.

The following is some information about some of the most common questions that we get asked. We thought we would share this with you. If you are ready for more, please contact a specific financial security advisor or let us know and we’ll get you set up!

Our Financial Planning Process

Our financial planning process works for you.

We are committed to helping you create a financial plan that works for your unique situation. The planning process that we use includes six steps that provide a structure for putting together a financial plan that will benefit you and your family or business.

Financial planning, at its very essence, is where money and life intersect. Navigating the intersection successfully calls for discipline in both.

While most people care about their finances, caring for your finances is the key to a collision-free experience.

Find out how we can help you with money matters and planning for your financial future »

Fee for service

Planning-only service (Fee-for-service)

We routinely receive requests to prepare detailed financial plans for both existing clients and those who have been newly introduced to our firm.

Essentially, fee-based planning or planning-only service is of interest to people seeking comprehensive advice and counsel on any number of financial matters while preserving the freedom to eventually implement the plan with any advisor they choose.

Find out more about our planning-only services »

Strategic Planning

Strategic Planning for Business Owners & Professionals

As an owner of a small-to-medium-sized business, its health and welfare has perhaps given you more sleepless nights than your kids!

Find out how we can help add value for your employees and build a plan for business succession. »

For physicians, accessing sound, comprehensive financial advice has just been simplified.

We are the exclusive financial services boutique selected to represent MD Preferred in Kingston and area, Caldwell Advisory has the understanding and know-how to help you navigate the many opportunities and risks that come with being a physician in the Canadian landscape.

Read more about how we can help medical professionals achieve their financial goals »

Estate Planning

Estate Planning

Who needs an estate plan? The better question might be ‘Who doesn’t?’! Don’t get hung up on the word ‘estate’. If you have worked, saved a little money, bought a house, made an investment, or anything else along those lines, then you have one! Good estate planning helps you to direct what happens to what you have now after you pass away. Yes, a will will be a part of your estate plan…but we can help with so much more.

Read more about estate planning »

Family and small business

Family & Small Business

Each small business and family–owned company has its own personality, its own set of values, and its own goals for success. Family-oriented issues of intergenerational transitions, ownership, trust and retirement must work hand–in–hand with the business issues of finance, strategic planning, and tax efficiency. As the business grows to second, third and fourth generations, these issues become increasingly challenging.

Read more about how we can help you untangle the family business financials »

Group benefits

Group Plans & Benefits

As your family business or small business grows, you begin to surround yourself with employees that you hope are just as passionate about the business as you are. Keeping the best employees becomes about more than just salary and bonuses. We can show you how to use group benefits to bring added value to your employees and retain these valuable company assets.

Read more about how we can help you provide group benefits for your employees »

Investing today

Investing Today

When investing for our clients, our goal is to create and preserve wealth. Determining your risk tolerance, goal setting, diversification and realistic forecasts are the building blocks of our relationship because we believe they help enable us to better assist you in reaching your financial goals.

Read more about how we can help you with your investment strategy »


Risk Management

‘Risk’ isn’t an easily definable term that can be neatly summarized in a few sentences. There are many different ways to tackle the risk management issues in life, whether it’s a wearing seat belt or bike helmet to taking the time to be sure that you have the right amount (and right kind) of insurance to act as a safeguard for family members, and business associates.

Read more about how we can help you manage financial risk »



Most people find it difficult to paint a detailed picture of how they want to live when they retire; therefore, they also find it difficult to determine how much money they’ll need to live on once they retire. Sound like you?

Read more about planning for retirement »



Articles written by Caldwell Advisors reflecting current investment and financial management strategies to help you better manage your financial future.