Financial Planning Services

Financial security products to address your specific needs.

Creating a game plan for all of the stages of your life
Financial planning through life’s stages »

Financial security products and services for the planning cycle
Put your plan to work for you

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Financial Planning Services

A broad range of insurance, investment and retirement-income solutions to help you achieve your financial freedom

For families and individuals

Caldwell Wealth & Estate Advisory offers the following products from a range of financial companies:

• Individual life insurance
• Segregated funds policies, RRSPs and TFSAs
• Income annuities, RRIFs and LIFs
• Individual disability insurance
• Individual critical illness insurance
• Individual health and dental insurance
• Group insurance and retirement plans
• Mortgages
• Mutual funds – RESPs, RRSPs, RRIFs, TFSAs and RDSPs – and other investment solutions

For businesses

You’ve worked hard to build your business – I want to help you improve and protect it. Whether you’re starting a new venture or maintaining one, I can help you address your business needs.

Life, disability and critical illness insurance

If you’re in business, on your own or with a partner, you have unique insurance needs that depend on the stage of your business’ growth and long-term goals for you, your family and your business.

Your needs may include:
• Covering a major commitment such as a mortgage or business loan
• Retaining key employees and attracting new employees
• Ensuring you have the funds to buy a partner’s share at death or retirement
• Supplementing retirement income for you and your spouse in a tax-effective way
• Ensuring your spouse’s lifestyle is protected
• Ensuring taxes owing on your estate are paid, leaving your assets intact for your heirs

Group retirement plans

I offer clients the support of Canada’s largest network of group retirement specialists who deliver unparalleled service in group retirement and savings plans. As your financial security advisor and group broker, I offer:
• Education material and advice including a retirement guide to suit all styles of investors
• Vast investment choices with tools that help employers meet their responsibilities
• Competitive prices in all markets
• State-of-the-art technology
• Customized features

Group coverage

Attract and retain valuable employees with group benefits

Investing in group benefits for you and your employees can help you:

• Better attract and retain good people so you can reduce costs related to high staff turnover
• Access insurance for you and your employees at a reduced cost (compared to most individual insurance plans)
• Deduct your premium as a business expense from your taxes, providing a tax-deductible alternative to a salary increase
• Provide 24-hour coverage for all benefits, including disability insurance
• Help improve morale, decrease incidences of absenteeism and increase productivity by providing financial security and support for your plan members when they need it most

Essential features available under a group benefits plan include:

• Healthcare and dentalcare benefits
• Wellness and disability benefits
• Life and accidental death and dismemberment (AD&D) benefits
• International benefits (providing benefits to employees who are U.S. residents, are Canadian residents working temporarily in the U.S. or overseas or are new to Canada)

Your business is unique and so are your people. Whatever the size of your group, with my help, you can offer them a group benefits plan that helps meet their needs and yours and includes:
• Competitive products
• Quality service
• Cost-effective management of benefit costs
• Ease of plan administration
• Technology-based solutions
• Detailed management information

Garrett helped me, an early-career professional, develop an achievable and meaningful financial plan that enables my life goals and removes the anxiety from financial planning. I now have clear targets that make me confident in my future, and I know my savings are working for me. Garrett is also a great resource when I have financial questions or anxieties.

Nikola M.

Rick Tomalty, president of Caldwell Wealth & Estate Advisory, with Garrett TomaltyA partnership that crosses generations

I am pleased to partner with my father, Rick Tomalty.

Rick is the president of Caldwell Wealth & Estate Advisory and has worked in the financial services industry since the mid-1980’s. For Rick, attaining peace of mind with your investments has nothing to do with what your money is invested in. Rather, it has everything to do with what you are personally invested in.

“What I always tell my clients is that money is a tool. You have to master your money and put it in its proper place,” he says. “There are people all around the world who don’t have money, yet they have joy. In the North American context, we have so much…yet, in general, we lack contentment. This unhappiness is the result of an unbalanced approach to money.”

This intentional mindset is something Rick stresses with each of his client no matter what their goals are.

“I believe that the biggest mistake that most people make when it comes to their retirement is they do not plan for it. They take the same route as Alice in the story from “Alice in Wonderland,” in which the cat tells Alice that surely, she will get somewhere as long as she walks long enough. It may not be exactly where you wanted to get to, but you certainly get somewhere.”

Mark Singer