At Ming & Associates, we have been helping individuals and families make thoughtful financial decisions for 30 years by focusing on what matters most over the long term.
We’re an independent financial planning firm with offices in Cornwall and Kingston, Ontario. Independence matters because it allows our advice to remain objective and aligned with our clients’ goals, rather than tied to proprietary products or sales targets.
Our work is rooted in planning first: understanding your priorities, building a clear framework, and approaching decisions with care and perspective. Many of our client relationships span decades and, increasingly, generations.
Most of the people we work with have done many things right financially. They’ve saved consistently, built meaningful assets, and now face more complex questions. Questions about income, taxes, markets, and how to balance today’s needs with the years ahead. Our role is to bring clarity to those decisions and support clients over time.
Who We Are
Established in 1996, we’re an independent, planning-first firm. Our role is to help clients think clearly about their financial lives, understand their options, and make decisions that align with their priorities over time.
We work as a collaborative team, sharing responsibility across client relationships and drawing on different perspectives when planning becomes complex. This approach helps ensure advice remains thoughtful, consistent, and focused on the long term rather than short-term market noise.
Why Work With Us
Many clients come to us looking for clarity rather than change for its own sake. They want advice that is objective, a plan that connects the pieces of their financial life, and a relationship built on trust and continuity.
Because we’re independent, our recommendations aren’t driven by product incentives. Because we take a long-term view, our focus stays on decisions that matter most over time. And because we work as a team, clients know there is depth and continuity behind the advice they receive.