Trusted wealth advisors for life’s most important decisions
At Cardiff, Lee & Associates Wealth Management, we help clients who’ve worked hard, made smart decisions, and now want guidance that’s just as thoughtful. Based in Penticton and serving clients across the Okanagan Valley, we help people navigate the financial moments that matter most—retirement, succession, wealth transfer, and everything in between. Our clients come from many walks of life, but they all want the same thing: clarity, confidence, and a wealth advisor they can trust.
Whether you’re running a business, planning your exit, preparing for retirement, or looking to simplify complex finances, we’re here to help you make smart choices for your future—and your family’s.
Pre-retirees and retirees
You’ve spent years building your wealth—now it’s time to enjoy it. But retirement today isn’t what it used to be. It’s longer, more active, and full of new possibilities. We help pre-retirees and retirees make the shift from saving to living with purpose.
Our retirement plans include:
- Tax-efficient drawdown strategies
- Reliable income from pensions, investments, and registered accounts
- Clear, ongoing cash flow so you can see exactly how your money will support your lifestyle—month after month, year after year
- Estate planning that preserves your wealth and carries your values forward to the people and causes you care about
You deserve to enjoy the life you’ve built—with confidence and clarity every step of the way.
Business owners and entrepreneurs
Whether you’re building a business from the ground up or preparing for a well-earned exit, your financial plan should work as hard as you do. We help business owners across the Okanagan Valley and beyond structure their business and personal finances into one coordinated, long-term strategy.
Our planning includes:
- Tax-smart compensation and income structuring
- Business succession planning and exit strategies
- Risk management and insurance solutions
- Investment planning inside and outside the business
We’ll help you grow your business today—while building a future you and your family can count on tomorrow.
Incorporated professionals
You’ve taken the step to incorporate. Now, it’s time to make sure your corporate structure is working for you. Whether you’re a physician, consultant, engineer, or lawyer, we help you manage income, minimize tax, and build long-term personal wealth—without letting things slip through the cracks.
Serving incorporated professionals, we offer:
- Holding company and investment planning
- Corporate-owned insurance strategies
- Tax-efficient withdrawal and retirement planning
We simplify the complex, helping you take full advantage of your structure while staying focused on your career and your family.
Agriculture and farming families
For many families in the Okanagan Valley, the farm is more than a business—it’s a legacy. We understand the challenges that come with seasonal income, land ownership, succession planning, and tax complexity. Our job is to ensure your farm stays in the family, protected and thriving for generations to come.
We help farm families:
- Navigate the complexities of intergenerational wealth transfer
- Use the Lifetime Capital Gains Exemption effectively
- Protect their operation with smart insurance solutions
- Structure the business for future growth and stability
With Cardiff, Lee & Associates, you’ll have a financial partner who respects the land—and your family’s place on it.
Affluent families
Wealth isn’t just about numbers—it’s about clarity, control, and creating the future you want for your children and grandchildren. We work closely with high-net-worth families to manage complexity, reduce tax exposure, and preserve family harmony.
Our multi-generational planning includes:
- Coordinated estate and legacy planning
- Family trust structures and charitable giving strategies
- Education and support for the next generation
- Full-picture planning that connects business, investment, and personal goals
You’ve built a strong foundation. Now, let’s make sure it supports your family for generations to come.