At Cardiff, Lee & Associates Wealth Management, investment planning is about more than performance—it’s about purpose. We focus on building a strategy that supports the life you’re creating, from retirement and business transitions to family priorities and legacy goals. Every investment decision is connected to your bigger picture, so your wealth grows in alignment with what matters most to you.
As trusted advisors to business owners, professionals, and affluent families across Penticton and the Okanagan Valley, we understand the bigger picture. Your portfolio is one part of a deeply personal financial story. We make sure it integrates with everything else—from tax strategies and estate plans to charitable giving and day-to-day cash flow.
More than investments—this is a real plan
Most people are used to working with investment advisors who focus on the markets and little else. At Cardiff, Lee & Associates Wealth Management, we take a different approach. Investment planning isn’t the whole plan—it’s just one part of it.
We begin with your life, not your portfolio. What drives you? Financial freedom? Family support? A meaningful legacy? We ask the right questions, then build a strategy that reflects your values, adjusts with your goals, and supports everything else in your financial world—from retirement to business transition to estate planning.
This isn’t about picking stocks. It’s about having a clear, evolving roadmap—and a partner who stays one step ahead to ensure your wealth is always working for you.
That includes:
- Coordinating investments with your retirement income
- Ensuring alignment with your estate and legacy goals
- Structuring portfolios for efficient wealth transfer
- Managing liquidity for business transitions or unexpected life events
When every piece fits, you gain more than performance—you gain peace of mind.
Tax-smart investing that protects what you’ve built
Tax planning might not be flashy, but it’s one of the most important elements of long-term wealth preservation. Our investment planning focuses on minimizing the quiet erosion of your returns through smart, integrated tax strategies.
That includes:
- Using the right account types for each investment (RRSP, TFSA, corporate, non-registered)
- Timing withdrawals to reduce tax hits
- Harvesting capital losses to offset gains
- Leveraging tax credits and dividend tax advantages
We work hand-in-hand with your tax professionals to make sure no opportunity is missed and no dollar is left behind.
Sustainable investing with impact
Your investments can reflect your values. For clients interested in sustainable investing, we offer Environmental, Social and Governance (ESG) Investing-focused strategies that align wealth with purpose—supporting clean energy, ethical labour practices, diversity, and more.
These portfolios are carefully curated to match performance with principles. Because growing your wealth doesn’t have to come at the expense of what matters to you most.
Ongoing guidance from someone you trust
With Cardiff, Lee & Associates, you get a long-term partner. As your needs evolve, your goals shift, or market conditions change, we stay with you every step of the way.
Need to rebalance your portfolio? Adjust for a major life transition? Evaluate new opportunities? We’re here to guide every move with clarity and care. Our clients often tell us it’s not just the strategy they value—it’s the peace of mind that comes with knowing someone’s always looking out for them.
iProfile Private Discretionary Portfolios
iProfile Private Discretionary Portfolios provide you with access to private equity and private credit, asset classes whose return and diversification potential were previously reserved for larger pension and institutional investors. Each portfolio is actively managed to take advantage of investment opportunities and to avoid unnecessary risks to protect your capital. The investment team can actively respond to changing market conditions and emerging opportunities or threats with the purpose of providing attractive returns for a level of risk suited to you.
Click here to learn more about IG’s iProfile Private Discretionary Portfolios.