Michael works with affluent individuals and families to achieve their personal goals and to overcome the increasing complexities of today’s world. By integrating his extensive experience and knowledge into a personalized plan, he helps them find the right tools to design their financial future.

A holder of the Certified Financial Planner, Chartered Life Underwriter, Chartered Investment Manager, Trust and Estate Practitioner designations, Michael is a Senior Wealth Advisor who has been assisting clients for over 27 years. His ongoing education and professional background in tax, estate, insurance, financial planning and investment management allows him to bring comprehensive expertise to suit his client's elaborate needs.

Originally from a small Maritime community, Michael has a natural ability to connect with people. A news junkie and avid reader, he is always up for a discussion of current and historical events. Full of questions, intellectually curious and passionate about helping others, he enjoys traveling, cycling and meeting new people with diverse backgrounds. During his down time he likes to spend time with his wife, sons, two cats and a dog. On evenings and weekends he can be found at various hockey rinks supporting his two teenage sons, while continuing to struggle with his golf game.

Joel Krueger joined The Tepner Appt Group in April, 2021, with ten years' experience in wealth management prior to joining us.  He began his career at RBC, where he became responsible for developing investment strategies for the high-net worth clients of one of that firm’s largest advisory teams.  From there, Joel joined the retail banking division of CIBC, where he was tasked with developing investment solutions and providing advice for high-net worth clients. After several years and much success in that role, Joel joined The Tepner Appt Group to enhance the quality of our investment selections and to increase the frequency and calibre of the service that we provide to our clients.

Joel graduated from McMaster University with an Honours Bachelor of Commerce degree. Joel is a Certified Financial Planner (CFP), and holds the Chartered Investment Manager (CIM) and Personal Financial Planner (PFP) designations. He is currently enrolled in the challenging Chartered Financial Analyst (CFA) program, and has successfully completed Level 1, the first of the three levels required for this prestigious designation.

Adriana Stanculet joined The Tepner Appt Group in November, 2021.  She is a resourceful finance professional with almost 10 years of experience in the financial services industry.

Adriana holds a Master’s Degree in Management Accounting and has recently transitioned from corporate finance into wealth management, where she feels that her skills can serve individual investors.

She has a lifelong passion for human behaviour and spends her time either reading about it or experiencing it in travels around the world.  In 2019, she decided to move to Canada, convinced that the shared values will make it feel like home. She still congratulates herself daily for that decision.

Joining the Tepner Appt group in November 2023, Abigail brings her passion for communication and client relations, aiming to build trust and ensure a seamless, stress-free experience for clients. With a history in project and office management, particularly in her family's General Contracting business in the GTA, she excels in understanding and fulfilling client needs.

Abby, known for her commitment to client satisfaction, is keen on expanding her expertise in the finance sector and is working towards the completion of the Canadian Securites Course (CSC). A 2015 English graduate from Wilfrid Laurier University, her interests include reading, fitness, and quality time with her family and French bulldog.

Geoff believes that a tailored approach is essential when implementing insurance solutions that are designed to preserve, enhance, transfer and protect the wealth of clients, whether personal or corporately owned.

Geoff has earned many professional designations throughout his career, including the CFP, CLU, CHS and CEA designations. Geoff also earned his Bachelor of Sports Management (BSM) Degree from Brock University.

Geoff resides in Oakville with his wife Jenn and daughter Emma.

Away from the office, you can find Geoff at the cottage with his family or playing recreational sports at the local hockey rink, baseball diamond, or golf course.

David enjoys working with high-net-worth families, business owners, and senior executives to preserve their wealth through the use of tax, insurance, trust and estate planning strategies.

David draws on his wealth planning experiences to provide a team-based approach by involving a client’s non-CIBC advisors (i.e., lawyer, accountant) and partners at CIBC.

David has a passion for financial literacy and formerly served as an Advisory Board member on CPA Canada's Financial Literacy Program.

• l Certified Financial Planner (CFP®)
• l Fellow of the Canadian Securities Institute (FCSI®)
• l Bachelor of Commerce (B.Comm.)

Michael’s financial planning philosophy stems from more than just learning about your financial goals. It is about understanding you; your values, concerns and aspirations. With years of experience developing diverse comprehensive financial plans for high and ultra-high net worth clients, Michael is able to paint a clear financial picture of your situation and create a roadmap to help you achieve your goals. He is equipped to provide sophisticated advice on various facets of financial planning including tax, retirement, business and estate planning. Having earned his Certified Financial Planner and Chartered Investment Manager designations, Michael has built his career on advising clients for over a decade.