OUR TEAM
We all have unique goals. Let us help you reach yours. Growing and preserving your wealth demands a team approach. Together with our partners, we offer a range of specialized services to meet your goals.
Richard G. De Melo, FCSI, FMA, EPC, CIM®
Senior Wealth Advisor
Portfolio Manager
Richard has been working in the financial services industry since 1996. He is a firm believer in building long-term relationships with clients and the development of comprehensive financial planning. As a Portfolio Manager, he specializes in discretionary money management and counseling affluent, sophisticated clients with complex wealth management solutions including tax minimization, estate planning and business succession planning. As the head of the De Melo Financial Group, Richard's experience and investment strategies form the basis for the management of client accounts.
Andrew Di Carlo, B.Comm., CIM
Associate Investment Advisor
Andrew joined our team in November of 2014. He is a Commerce graduate from the University of Guelph and began his career at CIBC Wood Gundy in 2013.
As an Associate Investment Advisor registered with CIRO, Andrew assists in day -to-day operations, aids Richard in portfolio review preparation, fee analysis and asset allocation reports along with investment research support.
Natalie Hainz
Client Associate
Natalie began her career with CIBC in 1989 and has worked with Richard since 2005. She is dedicated to providing excellent client service and is the lead in all administrative and compliance initiatives. Natalie's vast knowledge of the inner workings of CIBC internal systems and her attention to detail ensures a seamless client administration experience.
Sacha Reid
Financial Associate
Sacha has worked in the retail investment industry since 1994 and joined The De Melo Financial Group in 2011. She has a broad range of invaluable experience working with retail private clients. Her years of professional experience aid her in developing strategies to enhance our client's customer service experience.
Kuldeep Randhawa
Administrative Assistant
Kuldeep joined CIBC in 1992 and has supported many different areas of the bank through her tenure. She was a valued member of the Private Banking Team before coming to Wood Gundy in the Spring of 2022. She has extensive administrative experience and client service experience and is always willing to help out in any capacity she can.
Richard G. De Melo, FCSI, FMA, EPC, CIM®
Richard has been working in the financial services industry since 1996. He is a firm believer in building long-term relationships with clients and the development of comprehensive financial planning. As a Portfolio Manager, he specializes in discretionary money management and counseling affluent, sophisticated clients with complex wealth management solutions including tax minimization, estate planning and business succession planning. As the head of the De Melo Financial Group, Richard's experience and investment strategies form the basis for the management of client accounts.
Andrew Di Carlo, B.Comm., CIM
Andrew joined our team in November of 2014. He is a Commerce graduate from the University of Guelph and began his career at CIBC Wood Gundy in 2013.
As an Associate Investment Advisor registered with CIRO, Andrew assists in day -to-day operations, aids Richard in portfolio review preparation, fee analysis and asset allocation reports along with investment research support.
Natalie Hainz
Natalie began her career with CIBC in 1989 and has worked with Richard since 2005. She is dedicated to providing excellent client service and is the lead in all administrative and compliance initiatives. Natalie's vast knowledge of the inner workings of CIBC internal systems and her attention to detail ensures a seamless client administration experience.
Our partners
We partner with CIBC experts to help address all of your wealth needs.
Indra Bharat, CFP, CIWM, FCSI, FMA
Wealth Strategist
Indra utilizes her knowledge and experience as a Wealth Strategist to help affluent Canadian families achieve their financial goals and enjoy peace of mind. Taking an in-depth approach to understanding your unique situation, she provides a formal recommendation to optimize how your financial affairs are structured with specific emphasis on tax optimization, wills, estate and trust planning.
Indra collaborates with a team of professional advisors, including your accountant and lawyer, to gain insight into your situation and objectives, and facilitate the smooth implementation of any recommended strategies. An accredited financial professional with over 30 years' experience Indra aims to help clients understand the benefits of an integrated approach to wealth management.
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.
Manjit Dhir, BA, CFP, CLU, CHS
Estate Planning Specialist
Manjit works closely with CIBC Advisors and their high net worth clients to create tax-efficient insurance strategies that build and protect their wealth. Whether your clients are in the early years of accumulation or considering personal or corporate succession options, Manjit will work with you to create a holistic plan that is tailored to your client’s unique financial goals and needs.
Manuel Rebelo, CPCA, TEP
Director, Trust and Estate
Manuel provides clients and their families with confidence and peace of mind. He and the team at CIBC Trust offer services as a professional executor, power of attorney for property or trustee. Effectively administering a trust or acting as an attorney can require time and an understanding of investments and taxes. Manuel's team has the expertise to execute or assist others to execute that role effectively and efficiently.
Indra Bharat, CFP, CIWM, FCSI, FMA
Indra utilizes her knowledge and experience as a Wealth Strategist to help affluent Canadian families achieve their financial goals and enjoy peace of mind. Taking an in-depth approach to understanding your unique situation, she provides a formal recommendation to optimize how your financial affairs are structured with specific emphasis on tax optimization, wills, estate and trust planning.
Indra collaborates with a team of professional advisors, including your accountant and lawyer, to gain insight into your situation and objectives, and facilitate the smooth implementation of any recommended strategies. An accredited financial professional with over 30 years' experience Indra aims to help clients understand the benefits of an integrated approach to wealth management.
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.
Manjit Dhir, BA, CFP, CLU, CHS
Manjit works closely with CIBC Advisors and their high net worth clients to create tax-efficient insurance strategies that build and protect their wealth. Whether your clients are in the early years of accumulation or considering personal or corporate succession options, Manjit will work with you to create a holistic plan that is tailored to your client’s unique financial goals and needs.