Why Choose Cartile Financial Services

About Cartile Financial Services

Cindy brings over 20 years of accounting and bookkeeping with her. She has a broad knowledge and vast experience in areas such as payroll, bank/credit card reconciliation, accounts receivables/payables, HST e-filing, source deductions, and preparation of T4's.

Cindy also offers services completing general tax returns, rental income, self-employment, etc. 

Cindy is an advocate of continued education for herself to keep up with the ever-changing tax and accounting industry. She has completed courses through the Knowledge Bureau as well as the H&R Block Academy and is still continuing her tax preparation education. Cindy prides herself in educating her clients about the tax world and its intricacies.

Outside of CFS, Cindy enjoys walking and is an avid crafter

Learn a little More about Me

Best Broadway Show?

Phantom of the Opera

If I could travel anywhere in the world, it would be ...


Footwear preference?


Title of a song to which I’d start singing along whilst driving down the road ...

"I’ll always be there" by Roch Voisine as my husband and I walked down the aisle together to it.


Peter ‘joined’ CFS as a founding member in 1997 after 17 years of experience with a major life insurance company. A merger with his wife Carrie, also an insurance representative, resulted in the creation of Cartile Financial Services Inc.

His main interest first and foremost is his family (his son-in-law is a partner) including 10 grandchildren. Peter also enjoys traveling with his wife Carrie, golfing, RVing, sports car driving, and music.

Learn a little More about Me

Best concert ever attended?

Tower of Power

I can't live without my ...

My dog and car

If I could travel anywhere in the world, it would be ...


Footwear preference?


Favourite foods?

Always interested in something new and exotic!

Nelson has over 30 years’ experience in the financial services industry and joined Cartile Financial Services in 2001. Nelson holds the Canadian Investment Funds, Canadian Securities Course, Insurance Broker through the Financial Services Commission of Ontario (FSCO), and Branch Manager designations. He is a member of ADVOCIS, is currently working on his Certified Financial Planner (CFP) designation and is an active participant of Strategic Coach.

With his superior analytical skills, and dedication to client service, Nelson focuses on identifying clients' retirement, investment and estate planning objectives, formulating retirement income projections and determining the most suitable financial and insurance products to suit their needs.

Nelson is fluent in Portuguese as he grew up in a Portuguese community and studied in a Portuguese school. He is married and has 4 children ranging in ages from 17 to 24 and is actively involved in their extra-curricular activities.

He enjoys cars, backcountry camping, skiing, hockey, soccer and working around the house, and is a volunteer for the Canadian Ski Patrol.

Learn a little More about Me

Best concert ever attended?

Elton John & Billy Joel

I can't live without my ...

Swiss army knife

If I could travel anywhere in the world, it would be ...

Bora Bora

Footwear preference?

Hiking Boots

Favourite foods?

Anything hot and spicy

Gitta joined CFS in October 2015. Gitta brings over 20 years of experience with her which includes 7 years as a branch manager in the Kingston area supervising financial advisors, trading compliance, and office management.

Gitta holds the Canadian Investment Funds & Branch Manager designation as well as the Ontario Mortgage Agent course.

Gitta is fluent in German as she grew up in Germany and immigrated to Canada in 1982.

Outside of CFS, Gitta enjoys living with her new husband at their home at Collins Lake south of Inverary and loves to travel. She travels to Germany once a year to spend time with her Mom and brothers and to explore the diverse scenery and hidden gems Europe offers.

Learn a little More about Me

Best concert ever attended?

Elton John at the K-Rock Centre

I can't live without my ...

Adirondack Chair on the deck overlooking the lake

If I could travel anywhere in the world, it would be ...

Anywhere along the west coast up and down Highway#1, then Tuscany, Italy, after that. Hawaii, after that ... too many to list

Footwear preference?

Warm fluffy socks

Favourite foods?

Anything spicy

Title of a song to which I'd start singing along whilst driving down the road ...

Happy by Pharrel Williams

Cartile Financial Services (CFS) is a branch of Sterling Mutuals Inc. and a member of Advocis. The firm was founded in 1998. The motivation to start the firm was fuelled by the desire to work within our clients’ best interests. We recognize the value embedded in using a client centric approach when it comes to finances. Since CFS opened its doors, it has thrived in developing and sustaining long-term relationships with clients across Canada.

nelson martinsgitta arendcindy baxter

CFS is a solid group of dedicated and reliable financial advisors who work with clients to reach their goals toward financial security and success. The firm strives to be recognized as a reputable and trustworthy advisory organization. In addition to growing our family of clients, we are also looking to grow and expand our network of financial advisors who see the advantages of working within a client centric environment.

What You Can Expect From CFS

When you meet with the advisors at CFS, you will receive consistent service. Unlike the financial advisors at banks and dealerships, you won’t have to worry about repeating your circumstances to a different advisor every time you meet with us. We provide the opportunity to build a trusted relationship that allows you to grow. Our commitment to you grants you the peace of mind in knowing that we are here to support you in your financial goals.

The team at CFS are a group of mutual fund licensed and life licensed financial advisors who bring over 50 years of experience in the industry. We maintain our credentials in alignment with industry standards as a means to continue serving our clients and doing what we enjoy. Our wealth of experience enables us to provide our clients with comprehensive financial planning and management of portfolios.

Although finances can seem intimidating, we will work with you to make it simpler. We want you to feel comfortable in speaking with us and learning more about your financial health and net worth. There are no “silly questions” when it comes to gaining knowledge and confidence about your finances. Our advice is geared to better educate you on managing your money. You can consider us as the captains of your financial ship throughout your entire life’s journey. We will work with you in achieving goals for your finances during the different stages of your life. Whether you’re saving for your child’s education, a home purchase, or retirement, we will provide you the tools and advice you need to get there. If you have children or other dependents, we include them in the planning process to ensure continuous family wealth. We work with a wide range of clientele of various ages and socio-economic situations. We provide the assurance that anyone can benefit from the expertise at CFS.

We believe that there is no “one size fits all” approach to your money. With that in mind, we are continuously seeking innovative ways to help. By learning about your unique goals, we provide you with personalized support and advice that is realistic for you. It is rewarding to know that our guidance can make a positive impact in your life.

Meet Our Team Members

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What You Can Expect

Our first meeting with you will be focused on gathering a snapshot of your current financial situation. We will use questionnaires and assess your risk tolerance as a framework to guide our conversation. We also aim to gather an understanding of your goals and objectives. Throughout the course of our conversation, we will share ideas in all areas of financial planning. We follow a process by using a best practices approach. To meet your goals and objectives, we will work with you to develop realistic financial plans based on what’s important to you. 

Our Areas of Expertise

We recommend that you meet with us on a periodic and frequent basis to review your financial circumstances, no matter what they may be. We want to ensure that you’re staying on the path to success.
We provide advice in the following areas:

Growth, Protection and Planning for Your Future

Overall, we aim to guide you in growing your assets, protecting your assets, and planning for efficient income tax situations. When you speak to us about your financial concerns, we may direct you to other professionals within the community. We can coordinate services from our established network of professionals such as lawyers, accountants, and insurance brokers in order to make the best of your time and direct you to the right resources.

CFS serves as a solid point of reference to guide you as you strive towards fulfilling your financial goals.

Call us to today to schedule a complimentary no obligation consultation to see how we can be your roadmap toward financial security.