Get a Real Financial Plan.Not Just Investments.
We provide comprehensive financial planning for Canadians with complex wealth, where tax, retirement income, estate, and investment decisions work together, not in isolation.
What Holistic Planning Looks Like
We deliver coordinated, unbiased advice that integrates tax, estate, investment, insurance, and business planning. Working alongside your accountant and lawyer, we ensure what you expect to happen, happens.
Our comprehensive approach means no gaps, no conflicts, and no surprises - just a clear, actionable strategy that brings all the pieces of your financial life together.
Book a CallWhy Choose Karen Erickson & Kayla Caruana
When you have spent a lifetime building wealth, you deserve a plan that works as hard as you did to earn it, and one that evolves with your life and the markets. Our process is designed for high-net-worth households with a benchmark of one million or more in investable assets, snowbirds, and business owners who value detail, precision, and clarity.
Communication & Transparency
We believe in open communication and honest conversations about your wealth, ensuring you understand every decision and strategy we recommend.
Collaborative Approach
We work alongside your existing advisors, accountants, and lawyers to create a seamlessly integrated plan that serves your complete financial picture.
Personalized Guidance
Your goals, family dynamics, and vision shape every recommendation. We design strategies that reflect what truly matters to you and your loved ones.
Proudly Voted Kelowna’s Best CFP® Professionals and Best Investment Advisors for 2026
Free 30-Minute Consultation
Discover how we can help simplify the complexity of significant wealth by consolidating your accounts, properties, and income streams into one clear, comprehensive strategy.
During this complimentary session, we'll explore your current financial landscape, identify opportunities for optimization, and show you how a coordinated approach can bring clarity and confidence to your wealth management.
Schedule Now
Complimentary 3-Step Process
Good planning starts with understanding, not assumptions. Like any professional diagnosis, meaningful financial recommendations require context, information, and careful analysis, not quick conclusions.
Step 1:
Introductory Call
We clarify what matters most to you and determine whether our planning approach is well suited to your situation. This conversation helps ensure alignment on goals, complexity, and expectations for both you and our team.
Step 2:
Exploratory Meeting
We review your current financial picture and dive deeper into your goals, concerns, and priorities. This meeting allows us to understand how your assets, income, tax, estate plan, and decisions interact today and where opportunities or gaps may exist.
Step 3:
Wealth Analysis and Strategy Meeting
Using Canada’s leading financial planning software we take an objective look at how your current strategy is functioning as a whole. If everything is properly aligned, we’ll confirm that. If not, we’ll identify where a more coordinated approach could improve efficiency, clarity, or long-term outcomes, and explain what we would do differently and why.
Before making any commitment, you'll have a clear understanding of whether moving forward together makes sense.
Let's Get StartedClient Experiences
What our clients say:
"… Their service, understanding of a client's needs, caring about a client, personal attention to details, professionalism, their knowledge of investments, and trust… one of the most valuable life experiences!"
— Gaetane. DClient since 2007"… I have not for a moment regretted my decision to move my finances. The team is thorough and patient while offering many suggestions to think about. I don't feel pressured and I feel that I can wholeheartedly rely on their expertise for advice and guidance."
— Peggy DClient since 2023"We are so grateful for the guidance and expertise this team brings to the table … Our family/financial situation has changed drastically over the years and we have been guided at every step… Highly recommended!"
— Kelsey & Mike WClient since 2016What We Offer
We specialize in helping complex financial decisions work together, so no part of your plan operates in isolation.
Retirement Planning
We design retirement income strategies that align with your tax position, estate plan, and long-term lifestyle goals. The result is a plan that supports the lifestyle you enjoy today while securing the future you envision, whether at home or abroad.
Investment Management
Your portfolio is built to protect capital and grow with discipline. By combining global expertise with access to leading investment opportunities, we provide an institutional-quality strategy tailored to your goals.
Tax Optimization
Every decision we make is designed to keep more of your wealth working for you. From capital gains planning to business transitions and intergenerational transfers, we integrate advanced tax strategies into your overall plan.
Estate Planning
Your legacy should reflect your values and vision. We work directly with your lawyer and accountant to design an estate plan that minimizes tax, preserves family wealth, and provides clarity for the next generation.
Ready to Find Out If Your Plan Is Actually Complete?
Book Your Free Call in Under 60 Seconds
This is a structured conversation about your goals, your current financial approach, and whether everything is truly aligned. Many people have investments, but not a coordinated plan. The wealth you've built deserves careful attention from advisors who understand the complexity of significant assets and the long-term implications of every decision.
Frequently Asked Questions (FAQs)
Get Answers Before We Meet
Who is this not a fit for?
Our approach is designed for families with a benchmark of $1 million+ in investable assets, who value comprehensive planning and long-term relationships. If you’re looking for short-term investment tips, a fee-for-service plan, or product-only advice, we may not be the right fit.
What makes your approach different?
We coordinate to create one integrated strategy across all areas of your wealth rather than addressing each area of your finances in isolation. This helps address gaps, make better decisions, avoid conflicting advice, and reduce unnecessary complexity.
Can I just have a quick call or introductory call?
If you are not ready for the full 3-step process, the introductory call is a conversation. We focus on understanding your goals, concerns, and current structure to determine whether a coordinated planning approach would be valuable for your situation.
How much does the 3-step process cost?
The 3 step process is complimentary and without obligation. Its purpose is to determine whether working together makes sense before any decisions are made.
How are you able to provide such a high level of personalized service?
With 4 licensed advisors on our team, we intentionally serve fewer than a total of 210 households, far below the industry average, giving us the time to be more proactive, more responsive, and more personally connected.
Do you work with clients across Canada?
Karen Erickson & Kayla Caruana are based in the Okanagan and serve clients in British Columbia, Alberta, Ontario and Newfoundland. We use secure technology for virtual meetings while also offering in-person consultations for local clients.
Still not sure?
Find out how strong your financial plan is.
Take the IG Living Plan Snapshot to get an understanding of how prepared you are and whether you are on track to meet your financial goals.
After answering a few questions, you'll receive a score for each dimension of your financial well-being.
Take the Snapshot