You’ve worked hard to build a meaningful life—a thriving business, a secure home, a legacy worth passing on. At Cardiff, Lee & Associates Wealth Management, we help protect all of it through strategic, personalized insurance planning. Our clients across Penticton, West Kelowna, and the Okanagan Valley count on us for clear guidance and custom insurance solutions that stand up to life’s unexpected turns.
Because wealth isn’t just about what you’ve earned—it’s about what you can hold onto, even when the world shifts under your feet.
Life insurance: The foundation of long-term protection
The value of life insurance goes far beyond a payout. It’s peace of mind, a safety net for your family, and an essential tool for business continuity. For individuals and families, it covers funeral costs, mortgages, and living expenses—ensuring your loved ones are protected in the toughest moments. For business owners, life insurance in Penticton and surrounding areas can fund buy-sell agreements, pay off corporate debt, and stabilize the business during a period of transition.
We specialize in high-net-worth insurance strategies that go deeper than basic coverage. We design policies that fit your entire financial picture—integrating with estate plans, tax reduction strategies, and intergenerational wealth transfer.
Critical illness insurance: Immediate support when you need it most
Cancer. Stroke. Heart disease. These words change everything. Critical illness insurance offers a financial cushion when you’re hit with a life-altering diagnosis, providing a lump sum you can use however you need—medical costs, family travel, time off work, or private care.
It gives you the space to breathe, focus on recovery, and make decisions from a place of strength. We make sure this important layer of protection is part of every comprehensive insurance plan we build.
Disability insurance: Protecting your income—and your lifestyle
Your ability to earn an income is one of your greatest financial assets. But what if an injury or illness pulls you out of work, even temporarily? Disability insurance provides steady income during those periods, preserving your lifestyle and keeping your long-term financial plans on track.
Whether you’re self-employed, a high-earning professional, or running a business, we tailor disability coverage that fits your unique income and risk exposure. Because when your paycheque pauses, your life shouldn’t.
Business protection with life insurance strategies
As a business owner, the stakes are high. A sudden health issue or loss of a key partner can threaten everything you’ve built. We help business owners in West Kelowna, Penticton, and across the Okanagan Valley implement life insurance and insurance plans that provide real protection—not just for the business, but for your employees and your legacy.
From partnership funding to succession planning to creditor protection, we use insurance to strengthen your business continuity plan and reduce vulnerability.
Estate protection and tax efficiency through insurance
When it comes to legacy, most people think about wills and investments. But insurance planning can be just as powerful—especially for high-net-worth families. Life insurance helps offset estate taxes, protect assets from erosion, and provide liquidity when it’s needed most.
We specialize in high-net-worth insurance strategies that align with your full financial picture, protect your estate, simplify wealth transfer, and ensure your legacy continues without disruption.
Your plan, your way—customized protection for every stage
There’s no such thing as a one-size-fits-all insurance plan. Your needs are different from your neighbour’s, your business partner’s, or your children’s. That’s why we start with questions.
Do you want to cover your mortgage? Protect your children’s future? Preserve your retirement income? Leave a charitable legacy? Once we understand your goals, we build a solution that fits—one that evolves with you over time.
Whether you're reviewing existing coverage, adding new policies, or exploring long-term strategies, our insurance planning process is comprehensive, proactive, and deeply personal.