Rob Krizmanich, CFP®
Senior Wealth Advisor and Portfolio Manager
Rob Krizmanich is a Senior Wealth Advisor and Portfolio Manager with more than 30 years of experience in the investment industry. He holds the Certified Financial Planner (CFP®) designation and is dedicated to delivering disciplined, comprehensive wealth management solutions to his clients through KSG Wealth.
Rob has built a reputation for his ability to understand the unique goals and complexities of each client’s financial situation. His vision is to simplify the financial world, providing clients with clarity and confidence in their decision-making.
As financial lives become increasingly complex, Rob collaborates with a trusted network of professionals to deliver integrated strategies tailored to each client’s needs. Whether advising on the sale of a business, building tax-efficient income streams, or establishing a philanthropic legacy, Rob and the KSG Wealth team are committed to providing thoughtful, personalized solutions.
Rob’s approach is founded on long-term relationships, disciplined portfolio management, and a steadfast commitment to helping clients preserve and grow their wealth with purpose.
Jerry Silva, CFP®, CIM®
Senior Wealth Advisor And Portfolio Manager
Jerry’s mission is to advise you about every aspect of your financial wealth. His role in your financial success is to offer you the most well-researched and well-documented advice to help you make the right decisions. He focuses his energy and resources on providing you with objective well-researched information and wise counsel.
Jerry uses his industry certifications along with his extensive industry experience to create customized solutions for high-net-worth individuals. Jerry is highly committed to his clients’ needs and ensures the best client service, advice, and continuous performance.
Steve Lockner, PFP, CIM®
Wealth Advisor And Portfolio Manager
Steve is a Wealth Advisor and Portfolio Manager with more than 20 years of experience in Wealth Management. He graduated with a diploma in Business Administration – Management Studies from Conestoga College and spent 13 years managing business units in the healthcare industry. Steve entered the financial services industry in 2001.
Steve holds the Personal Financial Planner (PFP®) and Chartered Investment Manager (CIM®) designations and has the Level 2 life insurance license. He enjoys the challenges of working with clients and their other advisors to develop tax and estate planning strategies, and he is located in our Waterloo office.
Steve is married with two children and lives in Kitchener. He has been a volunteer and member of the Board of Directors with Chicopee Ski and Summer Resort. In his spare time, he enjoys cycling and skiing.
Lindsay Tops, CFP®
Associate Wealth Advisor
Lindsay is an Associate Wealth Advisor with KSG Wealth at CIBC Private Wealth and has been with the team since 2012. She brings over a decade of experience in the financial services industry and provides detail-oriented support to clients and the advisory team.
She is a versatile professional dedicated to delivering exceptional client service, overseeing investment transactions, and developing personalized financial plans and tax packages.
Lindsay demonstrates a strong commitment to excellence through her ongoing pursuit of advanced wealth management credentials. She holds a B.A. (Honours) in Economics, has completed her industry courses to trade, and holds the Certified Financial Planner (CFP®) designation.
Outside of work, Lindsay values time with her family and devotes much of her energy to her two young daughters, which keeps her both busy and grounded.
Jagni Bhavsar
Administrative Assistant
Jagni Bhavsar is an Administrative Assistant with KSG Wealth, bringing valuable experience in branch administration support from her tenure at CIBC Wood Gundy. She joined the team in 2026 and is a proud graduate of the University of Waterloo, holding a B.A degree in Honours Sociology and Legal Studies. In addition, Jagni is currently studying for the Canadian Investment Regulatory Exam. She strives to make every client interaction efficient, personalized, and rewarding.
Rob Krizmanich, CFP®
Rob Krizmanich is a Senior Wealth Advisor and Portfolio Manager with more than 30 years of experience in the investment industry. He holds the Certified Financial Planner (CFP®) designation and is dedicated to delivering disciplined, comprehensive wealth management solutions to his clients through KSG Wealth.
Rob has built a reputation for his ability to understand the unique goals and complexities of each client’s financial situation. His vision is to simplify the financial world, providing clients with clarity and confidence in their decision-making.
As financial lives become increasingly complex, Rob collaborates with a trusted network of professionals to deliver integrated strategies tailored to each client’s needs. Whether advising on the sale of a business, building tax-efficient income streams, or establishing a philanthropic legacy, Rob and the KSG Wealth team are committed to providing thoughtful, personalized solutions.
Rob’s approach is founded on long-term relationships, disciplined portfolio management, and a steadfast commitment to helping clients preserve and grow their wealth with purpose.
Jerry Silva, CFP®, CIM®
Jerry’s mission is to advise you about every aspect of your financial wealth. His role in your financial success is to offer you the most well-researched and well-documented advice to help you make the right decisions. He focuses his energy and resources on providing you with objective well-researched information and wise counsel.
Jerry uses his industry certifications along with his extensive industry experience to create customized solutions for high-net-worth individuals. Jerry is highly committed to his clients’ needs and ensures the best client service, advice, and continuous performance.
Steve Lockner, PFP, CIM®
Steve is a Wealth Advisor and Portfolio Manager with more than 20 years of experience in Wealth Management. He graduated with a diploma in Business Administration – Management Studies from Conestoga College and spent 13 years managing business units in the healthcare industry. Steve entered the financial services industry in 2001.
Steve holds the Personal Financial Planner (PFP®) and Chartered Investment Manager (CIM®) designations and has the Level 2 life insurance license. He enjoys the challenges of working with clients and their other advisors to develop tax and estate planning strategies, and he is located in our Waterloo office.
Steve is married with two children and lives in Kitchener. He has been a volunteer and member of the Board of Directors with Chicopee Ski and Summer Resort. In his spare time, he enjoys cycling and skiing.
Lindsay Tops, CFP®
Lindsay is an Associate Wealth Advisor with KSG Wealth at CIBC Private Wealth and has been with the team since 2012. She brings over a decade of experience in the financial services industry and provides detail-oriented support to clients and the advisory team.
She is a versatile professional dedicated to delivering exceptional client service, overseeing investment transactions, and developing personalized financial plans and tax packages.
Lindsay demonstrates a strong commitment to excellence through her ongoing pursuit of advanced wealth management credentials. She holds a B.A. (Honours) in Economics, has completed her industry courses to trade, and holds the Certified Financial Planner (CFP®) designation.
Outside of work, Lindsay values time with her family and devotes much of her energy to her two young daughters, which keeps her both busy and grounded.
Jagni Bhavsar
Jagni Bhavsar is an Administrative Assistant with KSG Wealth, bringing valuable experience in branch administration support from her tenure at CIBC Wood Gundy. She joined the team in 2026 and is a proud graduate of the University of Waterloo, holding a B.A degree in Honours Sociology and Legal Studies. In addition, Jagni is currently studying for the Canadian Investment Regulatory Exam. She strives to make every client interaction efficient, personalized, and rewarding.
Our partners
We partner with CIBC experts to help address all of your wealth needs.
Valentine Bouchelev, CFP®
Senior Private Banking Advisor
As a CIBC Senior Private Banking Advisor, I provide my clients with convenience, flexibility and peace of mind through the services and the financial solutions I offer. Working together, we’ll develop a financial plan that supports my clients’ values and goals, and allows them to grow and preserve their wealth. My clients enjoy convenience, flexibility and peace of mind from their CIBC Private Banking team so they can get on with living their life without worrying about their finances.
Chrissy Giouzelis, CPA, LL.M.
Wealth Strategist
Chrissy is a tax and accounting professional, holding her CPA title and a Masters in Tax Law, providing her with a comprehensive understanding of the intricacies of tax law and regulations here in Canada. Over the past 9 years, she has held various positions at Deloitte, EY and national accounting firms in the tax compliance and advisory space. She uses her knowledge and experience to help affluent Canadian families achieve their financial goals and enjoy peace of mind. As a Wealth Strategist, Chrissy's role at CIBC Wealth Management is to provide comprehensive financial planning advice and recommendations to clients with specific emphasis on tax efficiency, wills, and estate and trust planning. Chrissy provides a holistic review of a client’s current situation by performing a deep discovery to learn about the family, understand the family’s goals, and assess the family’s financial position, as well as any current planning and structures in place. Chrissy works closely with the family’s other advisors to effectively identify and recommend appropriate strategies.
Jim Stevenson
Estate Planning Specialist
Jim has supported wealth advisors and their clients for close to 30 years, helping thousands of high-net-worth families better plan their estates with straightforward advice.
An expert in Canadian life insurance strategies, Jim helps clients develop a robust estate plan, providing guidance on deferring and/or funding tax liabilities and tax-sheltered insurance to provide immediate liquidity, ensuring family assets remain in the family. He helps families navigate complex value and ownership situations including managing the division of non-liquid assets, such as a private business, family farm or cottage.
Jim also ensures that families take into account philanthropic goals and consider all possible insurance strategies to preserve wealth for future generations.
Jamie Golombek, CPA, CA, CFP®, CLU, TEP, FCPA
Managing Director Tax and Estate Planning
As CIBC’s tax expert, Jamie supports CIBC Wood Gundy investment advisors in delivering integrated financial planning and advisory solutions to our high-net-worth clients. Jamie is quoted frequently in the national media and writes a weekly National Post column called Tax Expert.
Katie Lazier, LLB
Wealth strategist
As the Director and Lead of Estate Planning and Philanthropy at CIBC, Kate specializes in assisting ultra-high-net-worth individuals and families in crafting meaningful and effective estate plans and charitable gifts. Leveraging her extensive knowledge in estates, trusts, and charitable law, she assists clients in exploring strategies that facilitate seemless transitions and enhance tax efficiency. Kate is dedicated to helping families identify and prioritize the charitable causes that resonate with them, while also facilitating the communication of their values to future generations. She takes great pleasure in sharing her insights on topics such as wills, powers of attorney, charitable gifts, philanthropy, donor-advised funds, and private foundations.
Kate is a lawyer called to the Bar in Ontario and holds the Certified Financial Planner (CFP) designation. With 16 years of experience practicing law at a national law firm prior to joining CIBC, she has been recognized for her expertise by the Canadian Legal Lexpert Directory and Best Lawyers in Canada. Kate frequently writes and speaks on estate planning and charity and non-profit issues.
Alison Pang, MTI
Senior Trust and Estate Consultant
As a Senior Trust and Estate Consultant, my goal is to provide you and your family with confidence and peace of mind regarding your estate plan. For complex estate and trust issues, I draw on the expertise of my CIBC partners, recommend external professionals and act as an objective third-party to help develop solutions. Administering an estate, trust or acting as an attorney for property is time consuming and requires a knowledge of many different areas.
My team and I have the expertise to execute, or assist others with the execution of those roles effectively and efficiently, thereby relieving the burden of the administration from those appointed and allowing them to focus on what matters most.
Valentine Bouchelev, CFP®
As a CIBC Senior Private Banking Advisor, I provide my clients with convenience, flexibility and peace of mind through the services and the financial solutions I offer. Working together, we’ll develop a financial plan that supports my clients’ values and goals, and allows them to grow and preserve their wealth. My clients enjoy convenience, flexibility and peace of mind from their CIBC Private Banking team so they can get on with living their life without worrying about their finances.
Chrissy Giouzelis, CPA, LL.M.
Chrissy is a tax and accounting professional, holding her CPA title and a Masters in Tax Law, providing her with a comprehensive understanding of the intricacies of tax law and regulations here in Canada. Over the past 9 years, she has held various positions at Deloitte, EY and national accounting firms in the tax compliance and advisory space. She uses her knowledge and experience to help affluent Canadian families achieve their financial goals and enjoy peace of mind. As a Wealth Strategist, Chrissy's role at CIBC Wealth Management is to provide comprehensive financial planning advice and recommendations to clients with specific emphasis on tax efficiency, wills, and estate and trust planning. Chrissy provides a holistic review of a client’s current situation by performing a deep discovery to learn about the family, understand the family’s goals, and assess the family’s financial position, as well as any current planning and structures in place. Chrissy works closely with the family’s other advisors to effectively identify and recommend appropriate strategies.
Jim Stevenson
Jim has supported wealth advisors and their clients for close to 30 years, helping thousands of high-net-worth families better plan their estates with straightforward advice.
An expert in Canadian life insurance strategies, Jim helps clients develop a robust estate plan, providing guidance on deferring and/or funding tax liabilities and tax-sheltered insurance to provide immediate liquidity, ensuring family assets remain in the family. He helps families navigate complex value and ownership situations including managing the division of non-liquid assets, such as a private business, family farm or cottage.
Jim also ensures that families take into account philanthropic goals and consider all possible insurance strategies to preserve wealth for future generations.
Jamie Golombek, CPA, CA, CFP®, CLU, TEP, FCPA
As CIBC’s tax expert, Jamie supports CIBC Wood Gundy investment advisors in delivering integrated financial planning and advisory solutions to our high-net-worth clients. Jamie is quoted frequently in the national media and writes a weekly National Post column called Tax Expert.
Katie Lazier, LLB
As the Director and Lead of Estate Planning and Philanthropy at CIBC, Kate specializes in assisting ultra-high-net-worth individuals and families in crafting meaningful and effective estate plans and charitable gifts. Leveraging her extensive knowledge in estates, trusts, and charitable law, she assists clients in exploring strategies that facilitate seemless transitions and enhance tax efficiency. Kate is dedicated to helping families identify and prioritize the charitable causes that resonate with them, while also facilitating the communication of their values to future generations. She takes great pleasure in sharing her insights on topics such as wills, powers of attorney, charitable gifts, philanthropy, donor-advised funds, and private foundations.
Kate is a lawyer called to the Bar in Ontario and holds the Certified Financial Planner (CFP) designation. With 16 years of experience practicing law at a national law firm prior to joining CIBC, she has been recognized for her expertise by the Canadian Legal Lexpert Directory and Best Lawyers in Canada. Kate frequently writes and speaks on estate planning and charity and non-profit issues.
Alison Pang, MTI
As a Senior Trust and Estate Consultant, my goal is to provide you and your family with confidence and peace of mind regarding your estate plan. For complex estate and trust issues, I draw on the expertise of my CIBC partners, recommend external professionals and act as an objective third-party to help develop solutions. Administering an estate, trust or acting as an attorney for property is time consuming and requires a knowledge of many different areas.
My team and I have the expertise to execute, or assist others with the execution of those roles effectively and efficiently, thereby relieving the burden of the administration from those appointed and allowing them to focus on what matters most.