◆ Toronto, ON · Wealth ManagementOne relationship. Not four.
Investments, financial planning, tax preparation, estate coordination, insurance and mortgage advice — handled by one team, for families across the Greater Toronto Area.
What actually happens
Most people hesitate because they do not know what they are agreeing to. So here it is.
- We talk. Forty-five minutes, sometimes an hour. Your situation, your goals, what you have built and what you want it to do. Mostly you talk and Luca listens.
- You receive a written plan. A comprehensive financial plan and investment recommendations, prepared for your circumstances. At no cost.
- You ask questions. A follow-up call to go through anything you want to go through again. No paperwork exists until you decide you want it to.
Approaching retirement
You have spent a career accumulating, and the question has just inverted.
- How much you can draw, and in what order
- What each sequence costs you in tax
- Whether the plan survives a bad market in the wrong decade
Incorporated
Retained earnings are accumulating and nobody has put the corporate and personal halves of your financial life on the same page.
- Corporate investment strategy built around what the corporation is for
- The corporate return and the investment strategy designed together
- Your personal plan built alongside it
The whole picture in one place
Investment management, financial planning, tax preparation, estate coordination, insurance and mortgages.
- Your tax return prepared in-house
- Your estate plan coordinated alongside your investments and your tax return
- Insurance built into the plan rather than sold beside it
Who you would be working with
Not a rotating representative. One person who knows your situation, and a team behind him.
- One advisor who knows your situation
- A team behind him
- Most clients are between 45 and 65
The advisor you will actually be working with.
Luca leads The Ciminelli Group, a full-service wealth management practice serving families across the Greater Toronto Area — Richmond Hill and King City, where he lives, through to Oakville, Mississauga and central Toronto, where he grew up.
“We just want to be an extension of their family.”
Clients frequently describe the first conversation as the most thorough financial conversation they have had.
Why one team
Most people in your position end up managing a committee. Nobody in that arrangement sees the whole picture, so the coordination falls to you.
One team, not four
An advisor at one firm, an accountant at another, a lawyer seen once a decade, an insurance broker you cannot quite remember appointing. We replace the committee.
Tax prepared in-house
Your investment strategy and your tax strategy are built together rather than bolted together in April.
Planning across generations
The planning horizon includes your children and grandchildren. Most of our client relationships eventually include them too.
What we cover
The Private Client Program begins at $500,000 in investable assets.
We say that plainly because it saves you time if it is not a fit, and because the depth of planning we describe is what that threshold pays for.
Toronto, ON
Start with a conversation.
No cost. No commitment. Forty-five minutes.
Book your complimentary financial planning session