Client solutions

At Karen Erickson & Kayla Caruana Private Wealth Management, we specialize in working with high-net-worth retirees who have complex situations. Whether that means creating tax-efficient retirement income strategies, building estate plans that carry out your wishes, or coordinating cross-border planning for snowbirds, our clients want more than surface-level advice.

We value a team that goes beyond the bare minimum, one that anticipates needs, addresses complexities, and ensures every part of their financial life is managed with precision so that what you expect to happen with your wealth, happens. A small part of our practice also includes high-income content creators who want stability, privacy, and long-term financial security in an unpredictable industry.

who we serve

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snowbirds

SNOWBIRDS & foreign PROPERTY OWNERS

Live the life you love on both sides of the border. Speak with our team to structure a coordinated cross-border wealth and estate plan that keeps your finances seamless and stress-free.

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Retirees

retirees

Whether you are enjoying travel, managing multiple properties, or preparing your legacy, we ensure every detail of your financial life is accounted for so that what you expect to happen with your wealth, happens.

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incorporated professionals & business owners

retiring executives

Whether you’re stepping back gradually, selling your business, or transitioning from an executive role, we ensure your wealth continues to work for you — efficiently, strategically, and in alignment with your long-term goals.

COMPREHENSIVE WEALTH MANAGEMENT, RETIREMENT, tax AND ESTATE PLANNING FOR AFFLUENT FAMILIES

Why Choose Karen & Kayla

EXPLORE HOW tax efficient, personalized financial planning can protect your wealth, reduce taxes, and secure your legacy.

Learn more

our services

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INVESTMENT STRATEGY & ASSET MANAGEMENT

Your portfolio is built to protect capital and grow with discipline. By combining global expertise with access to leading investment opportunities, we provide an institutional-quality strategy tailored to your goals.

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WEALTH PROTECTION & RISK MANAGEMENT

We help protect what you have built by identifying risks and designing solutions that provide security and potentially liquidity when your family needs it most. comprehensive insurance strategies, business continuity planning, and more.

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LEGACY & ESTATE STRUCTURING

Your legacy should reflect your values and vision. We work directly with your lawyer and accountant to design an estate plan that minimizes tax, preserves family wealth, and provides clarity for the next generation.

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holistic wealth management

We simplify the complexity of significant wealth by consolidating your accounts, properties, and income streams into one clear strategy.

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tax optimization

Every decision we make is designed to keep more of your wealth working for you. From capital gains planning to business transitions and intergenerational transfers, we integrate advanced tax strategies into your overall plan.

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RETIREMENT PLANNING

We create retirement income strategies that are sustainable, tax-efficient, and flexible. The result is a plan that supports the lifestyle you enjoy today while securing the future you envision, whether at home or abroad.

Exclusive ig Private Wealth Planning Experience for Clients with $1M+

When wealth becomes more complex, planning needs to be more personalized. IG’s Private Wealth Planning Experience is an integrated, family office style, approach to wealth management. This program is exclusively for individuals and families with $1 million or more in investable assets at IG.

What makes this process different is your high-net-worth holistic financial plan is developed in partnership with our head office specialists, including in-house lawyers, accountants, and wealth management specialists, who provide complimentary strategic guidance. Their role goes well beyond a standard retirement projection.

They partner with Karen & Kayla to deliver objective, coordinated advice across tax, estate, and risk management, focused on strategy, rather than implementation.

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Learn more about the Private Wealth Planning Experience

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client testimonial

“I was referred to Karen and Kayla just over a year. I have not for a moment regretted my decision to move my finances. The team is thorough and patient while offering many suggestions to think about. I don't feel pressured and I feel that I can wholeheartedly rely on their expertise for advice and guidance.”

-Peggy D.