#100–50 McIntosh Drive,
Markham, ON L3R 9T3
BA, CFP, CHS
Danny began his career in financial planning in 1999, when he became a Certified Financial Planner, one of a group of less than 10,000 who had earned that designation in Canada at that time. He joined the Sun Life Financial team as an independent advisor, building up his clientele amongst friends and family, and by going door-to-door to make connections. With an established client base, Danny launched C&C Planning in 2004, a partnership which provided financial planning, insurance & investments.
Danny’s focus has always been on helping families and small business owners to develop and implement financial plans that capitalize on all their opportunities, and enable them to reach their financial goals and live their lives. Generations Family Wealth, a boutique financial services firm and Danny’s newest creation, embodies this philosophy, and is geared to a family-values approach to investments, provided through Investia. He recognized that there is a general lack of financial literacy amongst people today, and that many of his clients need someone with the expertise to navigate that realm, and help them make the right financial planning decisions including tax, investments and insurance. Many of Danny’s clients have family responsibilities that span several generations, with ageing parents and university-bound children; people who need a unique financial plan that is based on their core values, and will work for their whole family.
The proof of Danny’s expertise lies in the financial success of his clients, and is evidenced by the referral rates that he enjoys as a result. In addition, Danny received Wealth and Finance International’s “Wealth Money Management Award” in 2014, which pays “homage to the leading professionals for going above and beyond in assisting their clients with managing their wealth, planning for the future of their business or their family and for providing sound advice in all areas of finance.”
A financial visionary, Carestia also recognized that today’s youth is under-serviced with financial information that will help them to establish good practices early in life. To address this gap, Danny created “The Young Adults Money Forum”, a popular workshop that initiates conversations between parents and their children, in order to educate youth about their financial future and options. This workshop is open to clients whose children are aged 16 – 25 and covers the basic concepts of budgeting, debt, mortgages, saving, investing, etc., encouraging youth to consider their values and establish realistic objectives, timelines and resources to bring them to life.
Carestia volunteers through two organizations in his spare time, elevating financial literacy and providing financial advice to those who might not ordinarily have access to such expertise. Through Junior Achievement, he provides an introductory financial literacy program to grade 7 students - a first step to their consideration of money, and its role in their lives. With Prosper Canada, Danny provides financial advice to low income earners who are finding it difficult to cope, the goal being to give them some short-term relief, and an educational foundation on which they can build to help them move forward.
Danny’s most recent innovation is an advisory group, which brings professionals, such as lawyers, accountants, human resource specialists, real estate agents, other advisors and some clients together. Its objective is to exchange ideas, help each other develop and expand their markets, and discuss their feedback so that Danny can ensure that he continues to advance his business practices to better service his clients.