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.

Sweta has been a finance professional for over 15 years now. She holds a Bachelors Degree in Electronics Engineering and started her career as a software developer, but soon realized that her skills and interests were more closely aligned with the finance sector. Her foray in finance started with a junior managerial role at a leading retail bank in India. In due course, She advanced into more specialized areas of banking such as foreign exchange (FX) and trade finance.

Her quest for a better quality of life and international exposure brought her to Canada in 2019. She hit the ground running as an Investment Associate at another Canadian wealth management institution. She joined the Tepner Appt Group in 2024 as a Client Associate and has since become an integral member of the team. Her strong commitment to client service, combined with her industry experience, has made her a valuable asset to the group. She consistently delivers exceptional support to clients while proactively staying current with evolving industry trends and best practices.

Sweta is passionate about fitness and nutrition. Her compassion towards animals has led her to pursuing a vegan lifestyle. She enjoys spending time with family and friends, outside of work and hours at the gym.

Gabriel Kuo-Lee joined The Tepner Appt Group in January, 2026. Graduating from the University of Western Ontario with a degree in Finance, he has always had an interest in the financial world. To feed this curiosity, he completed both the Canadian Securities Course (CSC) and Conduct and Practices Handbook Course (CPH) prior to joining the team, and intends to acquire more certifications in the near future.

Growing up as a competitive swimmer, Gabriel fostered a strong work ethic and commitment to continuous improvement, something he carries into every aspect of his life today. He loves to stay active, whether it be through fitness or on the golf course, and enjoys discovering new music to add to his vinyl collection. 

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.