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Earl Bard has been a trusted source of investment and financial planning advice since 1997. Through a comprehensive analysis, Earl can provide an expert opinion on how to improve upon your current portfolio. With unique solutions like month-to-month retirement cash flow plans, he takes a comprehensive approach to helping clients through financial transitions.

Earl has a history of academic achievement in his field, which includes two awards of excellence from the Canadian Securities Institute. He holds a Bachelor of Commerce, the Professional Financial Planning designation, and licenses to offer life and disability insurance. He is also fluent in both English and French.

When Earl formed Bard Wealth Management at CIBC Wood Gundy, he was able to combine his personalized approach with the depth of resources to manage complex financial situations. This allows him to guide clients through transitions like business succession, retirement package options, and estate transfers.

With clients across Ontario, Earl coordinates all the moving parts of their portfolios and plans, which includes ongoing communication with their accountants and lawyers. His clients also benefit from his focus on uniquely personalized service, which involves regular contact, prompt responses and, often, meeting his clients at their home or office.

Outside of the office, Earl enjoys spending time with his beautiful wife Rachel and their twins David and Emma.

John is an integral part of our team. John is a Registered Representative with 25 years of industry experience and is available to assist you in the administrative functions of managing your investment accounts.

Swapnil Bhatnagar joined Bard Wealth Management in 2025, bringing a strong blend of financial expertise and a genuine commitment to client success. He began his career in the retail division of CIBC, where he supported clients with their everyday banking, credit, and investment needs. This hands-on experience shaped his client-first philosophy—an approach that continues to guide his work today. His dedication and exceptional service earned him the CIBC Annual Achievers Award, recognizing the top 1% of performers across the bank.

Swapnil holds a Double Major in Economics and Finance from the University of Wollongong, Australia, graduating with Distinction. Driven by a passion for continuous professional development, he has completed a financial planning course in Canada and is actively pursuing the Chartered Financial Analyst® (CFA) designation, widely regarded as the gold standard in global finance. He has successfully passed two of the three CFA levels, underscoring his commitment to deepening his expertise and delivering informed, strategic guidance to clients.

Beyond his professional pursuits, Swapnil is an avid reader of autobiographies and a fan of thriller films. A lifelong sports enthusiast, he has competed in cricket at a professional level—representing his provincial team in India across age groups and playing Grade A cricket for his university club in Australia. When away from the office, you’ll often find him enjoying a soccer match, proudly supporting Lionel Messi and FC Barcelona.