At Cardiff, Lee & Associates Wealth Management, we understand that family financial planning is about more than just balancing accounts or building portfolios. It’s also about preserving what you’ve built—while empowering the people you care about to thrive.
Our clients are high-net-worth families across Penticton and the Okanagan Valley who want lasting impact. They want to enjoy their wealth today, protect it for tomorrow, and prepare their children and grandchildren to carry it forward—with confidence and purpose.
We help you do all of that—through strategic, multi-generational high-net-worth family planning that focuses on what matters most: your people, your values, and your legacy.
Planning for more than wealth—planning for life
Whether you’re passing down a family business, managing inherited wealth, or simply trying to ensure your financial plan serves every generation, our role is to simplify the complexity and make the process collaborative.
We start by listening. We want to know what drives you, what your family needs, and what kind of legacy you envision. From there, we create a tailored strategy that:
- Protects your assets and reduces tax
- Prepares your heirs for future responsibilities
- Aligns family members around shared goals
- Builds clarity around estate and wealth transfer decisions
Because when your family is aligned, wealth becomes a tool for empowerment—not a source of stress.
The next generation deserves more than an inheritance
Sudden wealth can overwhelm even the most well-meaning beneficiaries. That’s why part of our role is helping the next generation build financial literacy, emotional readiness, and decision-making skills—long before any inheritance arrives.
We work with your adult children and grandchildren to:
- Understand the family’s plan, and their role in it
- Develop responsible saving, investing, and spending habits
- Navigate big financial decisions—buying homes, starting businesses, raising children
- Approach wealth with humility, clarity, and long-term thinking
This kind of preparation isn’t just helpful—it’s essential. Because a well-crafted legacy means nothing if those who inherit it aren’t ready to handle it.
Financial planning that supports your family—today and always
Our full-picture family financial planning process covers every stage of your family’s financial journey. Whether you’re building wealth, protecting it, or preparing to pass it on, we help with:
- Retirement and income planning for parents and grandparents
- Education savings and financial planning for children and grandchildren
- Intergenerational wealth transfer and estate strategies
- Insurance planning to provide liquidity and protect family assets
- Coordinated investment strategies across family members
- Charitable giving strategies that reflect shared values
Your family’s plan is built with care, tailored to your unique family structure, and reviewed regularly as life unfolds.
Ongoing guidance, lasting relationships
We’re long-term partners—deeply invested in your family’s success, generation after generation. Our high-touch, proactive approach ensures you always feel supported. We meet regularly. We anticipate change. We simplify the overwhelming. And we stay available whenever you need to revisit or refine your plan.
What does that look like in real life?
- Making a plan to help your adult children buy their first home
- Coordinating with your lawyer and accountant to finalize an estate plan
- Strategizing the best way to exit a business and minimize tax impact
- Helping you set up a family trust to support multiple generations
- Holding family meetings to walk everyone through your wishes and goals
