Our team

As a Wealth Advisor, Portfolio Manager and Investment Advisor, Cielo Carin brings three decades of experience to her select group of clients.

Under her leadership, the Cielo Carin Wealth Management team aims to provide financial peace of mind for the families under their care. Combining proprietary processes and prudent stewardship, the team coordinates all aspects of protecting, growing and transferring wealth from one generation to the next.

Cielo and her team draw on their expertise and Richardson Wealth’s vast resources to transform their clients’ life goals into well-articulated and customized strategies.

They diligently implement and continually monitor investment strategies within the context of each client’s overall financial objectives. The team’s consistent, exceptional level of service inspires total confidence.

Cielo believes that clients deserve to be certain that their financial affairs are handled with the highest level of competency. She empowers clients to move forward with the vision and clarity necessary to achieve their goals.

Cielo graduated from McGill University with a Bachelor of Commerce with joint majors in Economics and Finance. She is a Certified Investment Management Analyst from the Wharton School of Business, a Certified Investment Manager and a Fellow of the Canadian Securities Institute. She is a licensed insurance professional and has completed the Professional Financial Planning Course (PFP^®)

Cielo has involved herself in the commerce and life of her city through board memberships and hands-on philanthropy. Her uncompromising professionalism and long service to charitable causes have made her a highly respected member of the community.

As our team’s Client Service Professional, Andrea brings 20 years of experience in the financial services industry. She is dedicated to providing prompt and efficient responses to all day-to-day client queries.  

With her above-and-beyond call of duty approach, she handles all administrative functions, processes, incoming and outgoing correspondence, and ensures the smooth functioning of our practice. Andrea is trained and licensed to execute trades.

Nancy is a seasoned Portfolio Manager and Investment Advisor, dedicated to guiding clients in managing their portfolios to achieve their financial goals while safeguarding their wealth. With over twenty years of experience in the investment industry, she specializes in portfolio reviews, securities research and analysis, trade execution, and proactive investment monitoring under our discretionary management practice. Nancy also ensures that our customized strategies seamlessly align with clients’ retirement, tax, and estate planning needs. Nancy has worked on the team since 2012 and became a partner with Cielo and Josie in 2023.

Nancy holds a bachelor’s degree in actuarial mathematics from Concordia University, with majors in Finance and Economics. She has successfully completed the Canadian Securities Course and the Professional Financial Planning Course (PFP®) and is a Certified Investment Manager (CIM®) since 2015.

Beyond her professional life, Nancy and her husband, Pascal, share their lives with their young adult daughter, Emily, and their beloved golden retriever, Stella. She cherishes quality time with family and friends and enjoys salsa dancing, skiing, and traveling in her spare time. Nancy also actively supports charitable organizations focused on cancer-related causes.

In her 20-year career Josie has built strong long-lasting relationships with each of our clients. Understanding their individual needs, she engages with them and utilizes her vast knowledge and experience in the industry to advise them towards success. Josie has helped clients with every aspect of their finances. She works on retirement plans; client reviews and works closely with the tax and estate planning team to help solve client issues and bring tax saving strategies to the forefront.

Josie has worked in various roles with Cielo as her mentor since the team joined Richardson Wealth in 2004 as one of the founding teams. In 2021, Josie became a licensed investment advisor and in 2024 received her CIM® designation and is now an Associate portfolio manager helping with the day-to-day investment decisions.

Josie places great importance on ensuring continual and seamless flow of communication with our clients while leading our team in providing white glove service. Having recently partnered with Cielo and Nancy, Josie is able to use her skills and experience to attract the next generation of millennial clients while continuing to take care of all of the team’s loved clients.

Josie is a very family-oriented person and spends a lot of time with her grandmothers who have always been her greatest cheerleaders. Being of Italian descent, and a self-proclaimed foodie, learning recipes from the older generation is always at top of mind. In her downtime, she loves to cook, try out new restaurants around the city and travel with her husband.