Empowering you to achieve
financial security peace of mind your goals a legacy financial independence ____________.

We help you build your legacy and enrich your life, working with professionals, business owners, and their families in the Waterloo Region and across Canada.

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Caldwell Group

Our all-encompassing approach enables you to reach your goals by integrating the key elements of your finances. Collaboratively, we define your objectives and aspirations, then develop a tailored plan to manage tradeoffs and support you at every step.

Maximize the probability of achieving your goals. Whether it’s buying your dream property, preparing for the sale of your business, or passing your legacy to the next generation, embrace the peace of mind of knowing that we support you every step of the way.

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Investment Management

Invest in peace of mind.

We craft research-backed investment plans tailored to your specific needs. Our broad-based, cost-effective, and tax-conscious approach is part of a comprehensive strategy that integrates every aspect of your financial life. 

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Integrated Wealth Management

Roadmap to reach your goals.

Our financial, cash flow, and tax planning services are designed to guide you through simple and complex choices. With tailored solutions, we help you strategically plan for life’s important milestones. Collaborating with accounting, legal, and tax specialists, we analyze risks, minimize tax obligations, and safeguard your wealth. 

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Insurance Solutions

We have you covered.

Protecting your assets and loved ones is an essential part of your plan. Our team of in-house insurance specialists assess risks and designs suitable coverage solutions to safeguard your financial interests. 

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The Caldwell Group Onboarding Experience: The First 90 Days

Our structured 90-day onboarding process is designed to ensure a seamless and comprehensive transition. It is organized into three distinct phases.

Phase One

Discovery & Strategy
(Days 1-30)

We begin with a full financial diagnostic of your current state, identifying your priorities, values, and goals so we can map out a strategy built uniquely for you.

Phase Two

Implementation & Activation
(Days 31-75)

After establishing our partnership, we activate our streamlined process to securely transfer and organize your accounts and outline priorities for the future.

Phase Three

Confirmation & Path Forward
(Days 90)

We step back to reveal your newly organized financial landscape, celebrate the progress we've made, and schedule future check-ins — supported by continuous oversight that keeps your plan progressing every day.

Find out more about our onboarding process

  

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Meet Our Team

We leverage the unique perspectives of each team member to provide well-rounded solutions and help you reach your financial goals. 

We’re supported by Richardson Wealth’s industry-leading tax, estate, and insurance planning experts.

Discover our team

 

Frequently asked questions

Why work with the Caldwell Group?

We guide entrepreneurs, professionals and families in the Waterloo Region to achieve financial peace of mind through holistic wealth management.

We tailor investment strategies, tax planning, and insurance around your unique goals, from your aspirations to your everyday needs.

As part of Richardson Wealth, one of Canada’s leading independent firms, we always prioritize our clients’ best interests and uphold the highest fiduciary standards.

Who can benefit from working with us?

Across Canada, we work with and empower professionals, entrepreneurs, and their families to achieve their financial goals. From Kitchener-Waterloo and beyond, we help you navigate complex financial decisions, including:

  • Customizing your investment strategy by determining why, how, and when to invest.
  • Cash flow planning and decumulation strategies.
  • Defining and optimizing compensation strategies (dividends, T4, etc.)
  • Setting up Individual Pension Plans (IPPs) to increase your sheltered contributions and lower your after-tax expenses.
  • Investing within professional and private corporations
  • Strategic philanthropy.
  • Managing and covering risks with insurance.
  • Integrating your tax, investment, and financial plans.

Our focus is on you. We tailor your financial plan to your unique goals and aspirations, so you can live a fulfilling life.

How do you keep my assets safe?

Your interests come first. Our charges are transparent and determined by the amount of assets you have entrusted us with.

This ensures our focus remains on your financial success.

We offer unbiased advice and do not sell “in-house” products or earn commissions. This structure aligns our goals with yours – building a strong financial future for you.

How are you paid for your work?

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. 

Richardson Wealth is a member of the Canadian Investment Regulatory Organization (CIRO), formerly known as IIROC, which sets high quality regulatory and investment industry standards, protects investors, and strengthens market integrity. 

Richardson Wealth is also a member of the Canadian Investor Protection Fund (CIPF). CIPF’s mandate is to provide protection to customers of Canadian Investment Regulatory Organization (CIRO) Members if they become insolvent. 

We are committed to enhancing the safety of your assets with additional coverage beyond CIPF limits, secured through a separate insurance policy from Lloyd's of London.

For more information about security and how we protect our clients’ assets, reach out to us.

Where are your clients located?

Our offices are in Kitchener, Ontario, and we serve clients locally and throughout Canada. Richardson Wealth’s 22 national office locations provide a convenient point of contact for clients outside of the Waterloo Region..

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What We Do

Chart your course. Track progress. Achieve financial freedom.

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Photo credits: Seagram Lofts, Joe Martz. Glovebox, Joe Martz.