Steven Krupica leads Tempus Wealth Advisory as its founding and most senior member. In his capacity as Senior Portfolio Manager, he provides investment themes and direction for the portfolio management team and works closely with business owners, affluent families and other clients to provide highly customized wealth services.

Steven has been working in the investment industry since 1992. He spent over a decade as a Financial Planning Consultant (FPC) within CIBC before coming to CIBC Wood Gundy in 2010 to lead his own team, Krupica Financial Group, which he and the team later renamed to Tempus Wealth Advisory to better reflect their unique approach. He became a portfolio manager in 2013 and over the years he has attained a number of additional industry designations that include Certified Financial Planner (CFP^®) professional, Canadian Investment Manager (CIM™) and Registered Retirement Consultant (RRC). He is also registered to advise on options and insurance solutions.

With over 30 years of experience, Steven continues to deliver the highest quality of service and results. He has been married to his wife for over 25 years and they are proud parents of six children.

Andrew Bosomworth is the Investment Advisor, assuming the lead role within the team. As the lead Investment Advisor, he oversees Tempus Wealth Advisory clients’ investment portfolios, ensures that they remain aligned with their financial objectives and risk tolerance, and collaborates across the team and with CIBC experts to enhance clients’ financial well-being.

Andrew joined the team in 2010 and has nearly two decades of experience within CIBC Wood Gundy in Toronto and Halifax. He has a marked passion for building lasting relationships, and during his time at CIBC has formed strong connections with both clients and professional partners, which enhances his ability to meet unique client needs.

Andrew holds the Chartered Investment Manager (CIM®) designation. He has a Bachelor of Commerce degree, which he earned from Dalhousie University with a major in Finance. Andrew is also registered to advise on options. He and his wife are the proud parents of four children.

Osama Arifullah joined CIBC Wood Gundy in 2011 as an intern. He now serves Tempus Wealth Advisory clients as an Associate Investment Advisor with multiple credentials and qualifications. Fluent in three languages, Osama bridges linguistic gaps and connects with clients from various cultural backgrounds.

With an Honours Bachelor of Commerce degree in Finance and Marketing from the Ontario Tech University, Osama has also earned credentials including the Canadian Securities Course (CSC), the Conduct and Practices Handbook (CPH), and most recently, his Wealth Management Essentials (WME). He and his wife are proud parents of two children and are expecting their third child in October 2023.

Warren Lo began his career at the same advisor training program as Steven over 20 years ago. He joined the team in 2015 as a discretionary portfolio manager with specialized knowledge in research strategies. His focus is designing sophisticated investment portfolios for Tempus Wealth Advisory clients.

Warren earned a Master of Business Administration (MBA) degree at Queen’s University, majoring in Finance, and holds several industry designations including Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP^®) professional.

Jeff Cabral joined the portfolio management team at Tempus Wealth Advisory in 2022, bringing with him over 15 years of experience at CIBC.

Jeff is equity and options registered, has earned his Bachelor of Commerce degree and holds the Chartered Financial Analyst (CFA) designation. He is an integral part of the team and focuses on research, portfolio management and trading. Jeff and his wife are proud parents of one child.

Andrea Walker joined the administrative team at Tempus Wealth Advisory in 2018. She has a Bachelor of Commerce degree from Toronto Metropolitan University and several years of financial administration and customer service experience in banking, retail and government sectors.

Andrea’s professional and educational history has allowed her to build strong relationships and to coordinate efficiently with both clients and service providers.

Aline Fontes joined Tempus Wealth Advisory in 2022, with over 10 years of experience in administrative roles at large corporations.

Aline completed her Bachelor of Laws degree and postgraduate degree in Financial and Tax Law in Brazil before continuing her studies in Canada, where she earned a Diploma of Education in International Business. Fluent in both Portuguese and English, she is committed to servicing day-to-day client needs and providing a superior client experience.