Karmelic, Stoyanov & Associates Private Wealth Management works with clients who have built significant wealth and want clearer direction for what comes next.
Based in Toronto, we serve clients and families across the GTA, including Newmarket, Markham, Unionville, Stouffville, Richmond Hill, Mississauga and Oakville. Our approach is personal, coordinated and focused on helping wealth support real life.
Executives approaching retirement
Executives often arrive with many financial pieces already in place, but not always one clear plan.
You may have:
- High income
- Stock options
- Pension plans
- Multiple investment accounts
- Employer benefits
- Complex tax considerations
Our role is to help connect income, tax, investments and retirement planning into one strategy. You’ve built significant wealth. Now it needs to work together.
Pre-retirees and recently retired clients
Retirement questions become more urgent when work is no longer far away.
Clients often want to know:
- When they can retire
- Where income will come from
- Which accounts to draw from first
- How much tax they may pay
- Whether they can spend more confidently
- What happens if markets fall
High-net-worth families
Families with significant wealth often need more than investment management. They need careful conversations about estate planning, tax, family support, charitable giving and the next generation.
Our Toronto private wealth management approach helps families think through how wealth can support their lifestyle, protect loved ones and reflect the values they want to pass on.
Adult children helping aging parents
Many adult children are quietly worried about whether their parents have everything organized.
That may include:
- Wills
- Powers of attorney
- Estate taxes
- Long-term care
- Gifting
- Wealth transfer
- Charitable intentions
- Financial organization
We help families start these conversations with clarity, care and experienced guidance.
Charitably minded retirees
Some clients know giving matters to them. Others want to understand whether they can give more, give earlier or give in a more tax-efficient way.
We help clients incorporate charitable giving into retirement income, estate and tax planning, so generosity can be more purposeful and better coordinated.