Independent Thinking
Working For You.

Trusted. Personal. Committed.

We make sure to help you understand all of your options so that we can create a solution together that is right for you.

At Ming & Associates, we have the experience and wisdom to ensure that you will be confident about your future. Our entire team is with you every step of the way, proactive with your finances, ready to respond to your changing needs. With a disciplined approach, our professional team takes great care to ensure you continually build your wealth & security over your lifetime.

“It takes as much energy to wish as it does to plan.”
– Eleanor Roosevelt

Who we work with


Set your retirement date and define your lifestyle goals. Ensure a plan is in place for a tax efficient withdrawal strategy to maximise your income and provide peace of mind. Financial Freedom should FEEL good!

Professionals & Business Owners

Create clear goals for your future, build and maintain an integrated plan for your wealth with coordinated tax, investment and income strategies between you and your business.


We help you identify your family’s financial goals and provide a clear strategy to help you have confidence in meeting all of life’s milestones.

Where We Will Help

Investment Management

We have a passionately disciplined approach to investment management. We set our standards high because we know that if you succeed, we succeed.

Financial Planning

Our proven approach to planning ensures that your plan is customized to your needs and integrates investment, tax, insurance, and estate issues; allowing you to live life to the fullest.

Retirement Projections

Our retirement projections help clients gain the peace of mind to spend money and enjoy the things most important to them in life!

Life & Disability Insurance

Take the appropriate steps to protect you and your loved ones against unforeseen events, and ensure a tax efficient transfer of your wealth between generations.

Meet Our Team

Hundreds of local residents have come to rely on the knowledge, caring, and expertise of our team.

With a strong mix of experience and youth, and as one of Cornwall’s only independent planning firms, we are well positioned to help clients make sound financial decisions.

Left to Right: Donna Villeneuve, Timothy Ming, Andrew Ming, Heather Hum, Jennifer McCleary, Andrew Cattanach and Maxwell Ming

Timothy Ming

Tim brings a broad range of skills and business acumen to assist his clients with their retirement, estate and financial planning needs.

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Donna Villeneuve

Donna’s CFP designation has provided her with the knowledge and experience to help clients reach their financial goals.

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Maxwell Ming

Max is a Certified Financial Planner who guides clients through their retirement, estate, and financial planning needs.

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Andrew Cattanach

Andrew is a Certified Financial Planner who guides clients through their retirement, estate, and financial planning needs.

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Andrew Ming

Andrew joined our team in 2023 as an investment advisor and he currently holds his Investment Funds license, along with Property & Casualty Insurance.

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Heather Hum

Heather is our administrative support and responsible for developing proactive relationships with our clients and marketing implementation.

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Jennifer McCleary

Jennifer covers our reception desk and is responsible for responding to client inquiries and transaction processing.

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Interested in learning more?

Download our free educational guides here.

Recent Posts

“Those who understand it, earn it..”

With the NHL playoffs beginning a few weeks ago, no doubt many of you witnessed the continued obsession self-directed platforms put on “Retiring 30% Wealthier”. If you have seen these ads, it would...

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Our Clients

Their honesty and customer service is right up there, with the knowledge and recommendations on where investments should be made. When it’s time for a change Tim is always honest with us on where any changes should be made.

Janet McDonald

To me, it is their personalized service. When something happens, you can go in and discuss your options. The whole team knows your plans, listens to your needs, and can help you make adjustments.

Richard Dumoulin

They are very courteous, friendly and find them very professional. They are good at taking care of time sensitive matters and you get a general sense of being taken care of.

Ginny Blair

The fact they take time to discuss with you their knowledge base, they give you all the options then give you their opinion and let YOU make the final decision.


Their integrity and 1-on-1 communication skills, always personable. Tim and his team make you feel comfortable no matter how much you are investing.