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 CIBC Private Wealth, Wood Gundy  CIBC Private Wealth, Wood Gundy

The De Melo Financial Group

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  • About us
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    • Current affairs
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  • Integrated approach

About us

Address 1 City Centre Drive Suite 1100 Mississauga ON, L5B 1M2
Telephone Number (905) 272-6003
Email Email us
Email Email
Telephone Number Tel

About Wood Gundy

CIBC Wood Gundy is part of CIBC Private Wealth. We provide clients with premium financial services and investment advice that spans across global markets. Since 1905, generations of Canadians have relied on the expertise of CIBC Wood Gundy investment advisors to manage their financial futures. Today, with over 800 advisors in 100 locations across the country, we continue to provide clients with expert advice and superior service.

We support you through some of life’s most significant decisions, including:

  • Retirement and financial planning
  • Inheritance
  • Strategic philanthropy
  • Legacy planning
  • Business succession
 
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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.

headshot

Richard G. De Melo, FCSI, FMA, EPC, CIM®

Senior Wealth Advisor

Portfolio Manager

Tel:

(905) 272-6003

Email:

richard.demelo@cibc.ca

Linkedin

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.

headshot

Andrew Di Carlo, B.Comm., CIM

Associate Investment Advisor

Tel:

(905) 804-2247

Email:

andrew.dicarlo@cibc.ca

Linkedin

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. 

headshot

Natalie Hainz

Client Associate

Tel:

(905) 272-6014

Email:

natalie.hainz@cibc.ca

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.

headshot

Sacha Reid

Financial Associate

Tel:

(905) 272-6005

Email:

sacha.reid@cibc.ca

Linkedin

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

Kuldeep Randhawa

Administrative Assistant

Tel:

(905) 566-4940

Email:

kuldeep.randhawa@cibc.com

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.

Natalie Hainz

Client Associate
(905) 272-6014
Opens in your telephone provided application.
natalie.hainz​@cibc.ca
Opens in your email provided application. Opens in a new tab.

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
(905) 272-6005
Opens in your telephone provided application.
sacha.reid​@cibc.ca
Opens in your email provided application.
Linkedin
Opens in a new tab.

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

Kuldeep Randhawa

Administrative Assistant
(905) 566-4940
Opens in your telephone provided application.
kuldeep.randhawa​@cibc.com
Opens in your email provided application. Opens in a new tab.

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®

Senior Wealth Advisor
Portfolio Manager
(905) 272-6003
Opens in your telephone provided application.
richard.demelo​@cibc.ca
Opens in your email provided application.
Linkedin
Opens in a new tab.

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
(905) 804-2247
Opens in your telephone provided application.
andrew.dicarlo​@cibc.ca
Opens in your email provided application.
Linkedin
Opens in a new tab.

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
(905) 272-6014
Opens in your telephone provided application.
natalie.hainz​@cibc.ca
Opens in your email provided application. Opens in a new tab.

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
(905) 272-6005
Opens in your telephone provided application.
sacha.reid​@cibc.ca
Opens in your email provided application.
Linkedin
Opens in a new tab.

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

Kuldeep Randhawa

Administrative Assistant
(905) 566-4940
Opens in your telephone provided application.
kuldeep.randhawa​@cibc.com
Opens in your email provided application. Opens in a new tab.

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®

Senior Wealth Advisor
Portfolio Manager
(905) 272-6003
Opens in your telephone provided application.
richard.demelo​@cibc.ca
Opens in your email provided application.
Linkedin
Opens in a new tab.

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.

 
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Our partners

We partner with CIBC experts to help address all of your wealth needs.

headshot

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

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

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

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.

Jamie Golombek

Jamie Golombek, CPA, CA, CFP®, CLU, TEP, FCPA

Managing Director Tax and Estate Planning
Opens in your telephone provided application. Opens in your email provided application. Opens in a new tab.

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

Manjit Dhir, BA, CFP, CLU, CHS

Estate Planning Specialist
Opens in your telephone provided application. Opens in your email provided application. Opens in a new tab.

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

Manuel Rebelo, CPCA, TEP

Director, Trust and Estate
Opens in your telephone provided application. Opens in your email provided application. Opens in a new tab.

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

Wealth Strategist
Opens in your telephone provided application. Opens in your email provided application. Opens in a new tab.

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

Jamie Golombek, CPA, CA, CFP®, CLU, TEP, FCPA

Managing Director Tax and Estate Planning
Opens in your telephone provided application. Opens in your email provided application. Opens in a new tab.

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

Manjit Dhir, BA, CFP, CLU, CHS

Estate Planning Specialist
Opens in your telephone provided application. Opens in your email provided application. Opens in a new tab.

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

Manuel Rebelo, CPCA, TEP

Director, Trust and Estate
Opens in your telephone provided application. Opens in your email provided application. Opens in a new tab.

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

Wealth Strategist
Opens in your telephone provided application. Opens in your email provided application. Opens in a new tab.

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

Jamie Golombek, CPA, CA, CFP®, CLU, TEP, FCPA

Managing Director Tax and Estate Planning
Opens in your telephone provided application. Opens in your email provided application. Opens in a new tab.

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.

 
 
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CIBC Private Wealth” consists of services provided by CIBC and certain of its subsidiaries through CIBC Private Banking; CIBC Private Investment Counsel, a division of CIBC Asset Management Inc. (“CAM”); CIBC Trust Corporation; and CIBC Wood Gundy, a division of CIBC World Markets Inc. (“WMI”). CIBC Private Banking provides solutions from CIBC Investor Services Inc. (“ISI”), CAM and credit products. CIBC Private Wealth services are available to qualified individuals. Insurance services are only available through CIBC Wood Gundy Financial Services Inc. In Quebec, insurance services are only available through CIBC Wood Gundy Financial Services (Quebec) Inc.


CIBC Private Wealth services are available to qualified individuals. The CIBC logo and “CIBC Private Wealth” are trademarks of CIBC, used under license.