Caldwell Group

Our role is to help you make better decisions across your entire financial life, beyond managing an investment account. We combine evidence-based discretionary portfolio management with detailed financial planning and coordinated tax, estate and risk planning. We focus on the factors that can be controlled: diversification, costs, risk, tax efficiency and disciplined behaviour.

You receive the attention of a dedicated local team, supported by the research, technology and specialist resources of Richardson Wealth.

We work with professionals, business owners and families whose finances have become too interconnected for fragmented advice.
We can help you:

• Build an investment strategy around your goals, risk tolerance and cash-flow needs
• Coordinate personal, corporate, registered and taxable investment accounts
• Evaluate salary, dividend and Individual Pension Plan strategies
• Create a tax-efficient retirement income and withdrawal plan
• Prepare for the sale or succession of a business
• Plan charitable giving and intergenerational wealth transfers
• Integrate estate planning and insurance into your broader strategy
• Make informed decisions during major personal or professional transitions

We also work with high-earning professionals who are building toward these complexities and want to establish the right foundation early.

We act with the utmost fiduciary responsibility. Everything we do is in the client’s best interest in mind. We rely on corporate governance best practices and adhere to the stringent rules and regulations set by our regulatory bodies. 

Our discretionary portfolio management relationships are governed by a fiduciary standard, requiring us to act in our clients’ best interests. 

Richardson Wealth is regulated by the Canadian Investment Regulatory Organization (CIRO) and is a member of the Canadian Investor Protection Fund (CIPF), which provides protection within defined limits if a member firm becomes insolvent. 

Richardson Wealth also maintains additional coverage beyond CIPF limits through a separate insurance policy from Lloyd's of London.

For more information about account security, custody and investor protection, please contact our team.

Our advisory fee is transparent, itemized and based on the assets we manage for you. The schedule is tiered, so the rate declines automatically as your assets grow — no negotiation required. Before you proceed, we set out both our fee and the cost of the underlying investments so you can see the full, all-in cost of the relationship. Advisory fees on non-registered accounts are generally tax deductible, subject to CRA conditions; your accountant can confirm how this applies to you.

We do not sell in-house products and we are not paid commissions on the investments we select. Your portfolio is built from the whole market, so every holding is chosen on evidence, cost, suitability and its intended role in your plan.

Our office is in Kitchener, Ontario. We serve clients throughout Waterloo Region and across Canada through in-person and virtual meetings, secure digital tools and Richardson Wealth’s national office network.