Purpose-driven planning for real lives
At Cardiff, Lee & Associates Wealth Management, our clients come to us looking for clarity, confidence, and a partner they can trust for life. As a leading Penticton financial advisor, we provide a high-touch planning experience grounded in one simple belief: your wealth should support your life—not the other way around.
From retirement transitions to tax efficiency, business exits to estate planning, our Okanagan financial planning is made just for you. We focus on what truly matters—supporting your goals today while protecting your future and legacy tomorrow.
Who we help
We work with individuals and families who have built success and now want expert guidance to protect, grow, and transfer their wealth with purpose.
Whether you're preparing for retirement, selling a business, or organizing your legacy, we’re here to help you make decisions with clarity—and peace of mind.
What makes us different
As your financial advisor, we’re by your side through every chapter, offering structure, strategy, and real-world support.
- Deep, personal relationships: We treat clients like family. That means proactive communication, detailed service, and advice that reflects who you are—not just what you earn.
- A coach in your corner: We hold you accountable, keep you moving forward, and make sure no detail is left to chance.
- Sharp focus on long-term value: Small tax strategies, timely investment shifts, legacy structures—these “small” things often lead to big savings and peace of mind over time.
- Rooted in the Okanagan: We know the region, the people, and the values that guide your decisions—because we live them too.
What we do
We deliver integrated wealth management—combining thoughtful planning, precise execution, and long-term support. Serving Penticton, Naramata, Okanagan Falls, Oliver, Osoyoos, Princeton, Cawston, Keremeos, Summerland, Peachland, and West Kelowna.
Retirement planning
Retirement isn’t a finish line—it’s a new phase of life, and it deserves more than guesswork. We build dynamic, evolving retirement plans that balance lifestyle, income needs, and long-term security. Whether you’re five years away or already retired, we’ll help you transition from saving to spending with confidence.
- Tax-efficient income drawdowns
- Pension integration (CPP, OAS, private plans)
- Long-term cash flow planning
- Strategies to help you enjoy your wealth without fear of running out
