Garofalo & Associates Private Wealth Management

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Waterdown, ON
Garofalo & Associates Private Wealth Management

Chris Garofalo, CFP®, CLU
Principal

Garofalo & Associates
IG Wealth Management Inc. Mutual Fund Division IG Wealth Management Inc.

Mutual Fund Division

Whether you’re preparing for retirement, managing a growing investment portfolio, navigating complex tax considerations, or planning the transition of your business to the next generation, Garofalo & Associates Private Wealth Management delivers personalized financial planning and investment management designed for long-term success. Led by Chris Garofalo, CFP®, CLU, our team of CERTIFIED FINANCIAL PLANNER® (CFP®) professionals provides comprehensive, integrated wealth management and retirement planning services for high-net-worth individuals, families, and incorporated business owners across Waterdown, Dundas, Hamilton, and Southwestern Ontario. The CFP® designation represents the highest standard in financial planning, grounded in rigorous education, ethical responsibility, and client-first advice, giving you confidence that every recommendation is aligned with your long-term interests. With decades of combined experience, our advisors understand the financial complexities that often accompany success for multi-generational families: tax efficiency, retirement income sustainability, estate and legacy planning, business succession, and risk management. We take a collaborative, strategic approach and coordinate your retirement goals with investment strategy, tax planning, and estate considerations into a cohesive plan designed to protect and grow your wealth. Our commitment is to build enduring relationships rooted in integrity, transparency, and trusted advice. If you’re seeking an experienced financial advisor in Waterdown or Dundas who provides truly comprehensive private wealth management, we invite you to book a confidential, no-obligation consultation and take the first step toward a more intentional and confident financial future. Connect with Chris Garofalo on LinkedIn: https://www.linkedin.com/in/chrisgarofalo1/
Visit us online to learn more about our solutions: https://www.garofalodonato.ca/

10/16/2026

A strong financial plan isn't just about growing wealth. It's about creating confidence through every stage of life, protecting what matters most, and helping future generations thrive.

Every family's story is different, and that's why thoughtful, personalized advice will always matter.

Learn more about our team and the experience we bring to our clients' financial lives by visiting our website: https://www.garofaloandassociates.ca/about-us

09/23/2026

For business owners, retirement begins before the sale. Transition planning must integrate corporate structure, capital gains exemptions, estate intentions, and post-sale income design.

The liquidity event is only one step. The real planning challenge lies in converting concentrated business equity into sustainable, tax-efficient personal income while preserving legacy goals.

Without coordinated modelling, many business owners overpay tax or under-structure their post-sale portfolios.

If you are within five to ten years of a potential transition, early planning can materially change outcomes.

A comprehensive retirement plan starts with a conversation. Contact us via our website: https://www.garofaloandassociates.ca/

09/14/2026

We're proud to have a team that's committed to delivering exceptional service every day.

Learn more about our team and the experience we bring to our clients' financial lives by visiting our website: https://www.garofaloandassociates.ca/about-us

09/10/2026

If markets got a report card for 2026 so far, what grade would they get?

Join us for today's educational webinar to hear directly from Assistant Vice-President of Investment Strategy, Ashish Utarid, and Chief Investment Strategist, Philip Petursson, as they review year-to-date performance, key risks and opportunities heading into fall, and how to position your portfolio for the rest of the year.

Live Q&A to follow.

📅 Thursday, September 10, 2026 at 7:00 pm ET
Register here: https://event.on24.com/wcc/r/5403315/BA217117B0FB9663A6F8B592D87F19B2?partnerref=124ChrisGarofalo

08/27/2026

One of the most rewarding parts of our role is helping clients understand how each stage of life fits into a bigger financial picture, so they can move forward with confidence.

After all, a financial plan isn't just about where you are today. It's about where you want to go.

Learn more about our team and the experience we bring to our clients' financial lives by visiting our website: https://www.garofaloandassociates.ca/about-us

08/19/2026

Estate plans do not fail because of poor intentions. They fail because of poor liquidity.

Many affluent families hold substantial real estate, private investments, or corporate structures. Without sufficient liquid assets, estates can face forced sales, tax inefficiencies, or family tension.

Estate liquidity planning must account for final tax liabilities, equalization strategies, and timing mismatches between assets and obligations. This requires coordination between portfolio design, insurance analysis, and estate documentation.

If your estate strategy has not been tested for liquidity under different scenarios, it's worth revisiting before it's too late.

A comprehensive retirement plan starts with a conversation. Contact us via our website: https://www.garofaloandassociates.ca/

08/13/2026

It's easy to become distracted by today's market headlines. A thoughtful investment strategy should help you stay focused on what truly matters.

Learn more about our team and the experience we bring to our clients' financial lives by visiting our website: https://www.garofaloandassociates.ca/about-us

08/10/2026

Chris had the privilege of spending time in New York last week connecting with colleagues from Rockefeller Capital Management alongside IG Wealth Management Private Wealth colleagues.

These conversations are a valuable opportunity to exchange perspectives with professionals from Rockefeller Global Family Office and deepen the relationships that have developed through the partnership between our organizations over the past five years.

Access to leading perspectives, specialized expertise and strong professional networks is a critical component of our team's ability to deliver thoughtful, comprehensive private wealth planning for clients' increasingly complex needs.

07/30/2026

Markets will always experience periods of uncertainty, but a diversified strategy built around your goals can help provide confidence through changing conditions.

Learn more about our team and the experience we bring to our clients' financial lives by visiting our website: https://www.garofaloandassociates.ca/about-us

07/22/2026

There is a difference between managing investments and engineering a retirement. Affluent retirees often discover that strong portfolios alone do not guarantee optimal outcomes.

Investment management focuses on returns. Financial planning integrates income sequencing, tax efficiency, estate liquidity, risk management, and behavioural discipline into a cohesive design.

If you value disciplined, integrated advice, a conversation about your current framework may be worthwhile.

A comprehensive retirement plan starts with a conversation. Contact us via our website: https://www.garofaloandassociates.ca/

Address

10 Horseshoe Crescent
Waterdown, ON
L8B0Y2

Website

https://www.garofalodonato.ca/

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