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CMK Wealth Management CMK Wealth Management
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Your Trusted Financial Partner in Invermere, BC
At CMK Wealth Management, we are dedicated to empowering individuals, families, and businesses to achieve their financial aspirations through expert guidance and personalized solutions. With decades of combined experience in wealth creation and management, our team prioritizes building long-term relationships by understanding each client's unique goals, values, and life stages. We specialize in comprehensive financial planning, including retirement strategies, estate planning, tax optimization, and insurance analysis, ensuring clients are equipped to navigate both opportunities and uncertainties.

Our independent advisory approach allows unbiased access to a broad range of investment and insurance products, tailored to maximize returns while aligning with individual risk tolerance. Committed to ongoing education and ethical standards, we strive to deliver transparency, reliability, and actionable insights that foster lasting financial security and client confidence.
Services
Financial Planning Retirement Planning Estate Planning Tax Planning Insurance Analysis Portfolio Analysis
Highlights and features
  • We offer personalized financial strategies tailored to your unique life stage and goals.
  • Our team includes Certified Financial Planners with decades of industry experience.
  • We provide unbiased advice through access to a broad range of investment products.
  • We prioritize transparent communication and ongoing client education.
  • Our commitment to continuing education ensures up-to-date, innovative solutions.
What people say
Outstanding service Positive impact Personalized Financial Plan Helpful guidance Ambitious work ethic
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Services
Financial Planning
Our financial planning services create customized roadmaps to help clients achieve short- and long-term goals. We analyze income, expenses, assets, and liabilities to develop strategies for debt management, savings, and wealth growth. By considering life stages and risk tolerance, we ensure plans adapt to evolving needs while maintaining financial stability.
Retirement Planning
We design retirement plans that ensure financial security during post-employment years. Our approach includes RRSP/TFSA optimization, income projections, and tax-efficient withdrawal strategies. By assessing current savings and future needs, we help clients determine optimal contribution levels and investment choices to maintain their desired lifestyle in retirement.
Estate Planning
Our estate planning services safeguard assets for future generations while minimizing tax implications. We coordinate wills, trusts, and beneficiary designations to ensure smooth wealth transfer. By addressing probate risks and incorporating charitable giving options, we help clients protect their legacy and provide clear instructions for asset distribution.
Tax Planning
We implement strategies to reduce tax liabilities through RRSP contributions, income splitting, and investment structure optimization. Our analysis considers corporate holdings, trusts, and retirement accounts to maximize after-tax returns. By staying current with tax law changes, we ensure clients retain more of their hard-earned income and investments.
Insurance Analysis
Our insurance analysis evaluates coverage needs for life, disability, critical illness, and long-term care. We compare policies across providers to find cost-effective solutions that protect against income loss or medical emergencies. Regular reviews ensure coverage evolves with clients' changing financial responsibilities and family circumstances.
People
Jason Elford
Certified Financial Planner
Jason Elford has specialized in wealth management since 1998, focusing on personalized financial planning and retirement strategies. He prioritizes understanding client goals to create tailored investment portfolios and insurance solutions. His independent advisory approach ensures unbiased recommendations across the entire mutual funds market.
Marcus Elford
Financial Advisor
Marcus Elford brings personal experience with medical challenges to his financial advisory work, emphasizing insurance accessibility and disability planning. He specializes in helping clients organize their financial futures while balancing family life and community involvement in Calgary's financial district.
Denise Reid
Operations Manager
Denise Reid has managed financial operations since 1995, combining local Invermere knowledge with technical expertise. She oversees office operations and client communications, ensuring smooth implementation of financial plans while maintaining a focus on community engagement and client education.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning including retirement strategies, estate planning, tax optimization, insurance analysis, and portfolio management tailored to individual life stages.
How do you determine the right investment strategy?
We assess risk tolerance, financial goals, and time horizons through detailed consultations, then create diversified portfolios using unbiased market research and industry-leading tools.
Do you work with clients outside Invermere?
While based in Invermere, we serve clients across British Columbia and Alberta, including Calgary and Airdrie, with virtual consultations and personalized service.
How are fees structured for your services?
Our fee structure combines transparent commission-based models for investment products with clear service fees, ensuring no hidden costs or conflicting incentives.
What credentials do your advisors hold?
Our team includes Certified Financial Planners with ongoing education commitments, ensuring up-to-date expertise in Canadian financial regulations and planning strategies.
How often should financial plans be reviewed?
We recommend annual reviews or whenever major life changes occur, ensuring your financial strategy adapts to evolving personal circumstances and market conditions.