Cestnik Group

Frank Cestnik 

Director, Wealth Management & Investment Advisor

Frank Cestnik provides personalized advice focused on sophisticated risk management, giving his clients peace of mind in today’s ever-changing financial landscape. To deliver on this objective, Frank focuses primarily on building tailored solutions that reflect each client’s individual needs and goals. With more than three decades of financial services experience, Frank is able to calmly navigate even the most turbulent markets. His wealth of experience means Frank is able to identify the right mix of solutions when it comes to investments, retirement, taxes, education savings and estate planning.

During his long career, Frank has always taken the time to get to know each of his clients and their families so he can fully understand what they want and need out of life, today and in the future. Accessibility is a key component of his approach. Over the years, he has shared the many highs and lows his clients experience. Frank is particularly committed to being available during challenging times. His clients can face life’s difficult situations secure in the knowledge that their financial affairs are being properly looked after.

Knowing clients means that when changes occur, such as an illness or selling a business, Frank can adjust portfolios in a timely way to keep his clients’ financial plans on track. His clients include busy professionals, business owners and retirees. In each case, Frank is able to manage his clients’ financial affairs in ways that free up their time so they can concentrate on advancing their careers, caring for their families and enjoying life.

A father of two grown children and a husband for more than 30 years, Frank knows intuitively how family matters intertwine with financial plans. Travelling, golfing and cooking occupy much of Frank’s free time. He continues to serve his community in a variety of volunteer roles.

Kelly Milne 

Associate Investment Advisor, Portfolio Manager

Kelly Milne is an experienced leader who brings together the right team of financial professionals to provide her clients with the exact mix of advice, services and investments they need. She ensures her clients’ individual needs are met when it comes to investments, retirement, taxes, education savings and estate planning. Exceeding client expectations is Kelly’s most important benchmark.

Working with people motivates Kelly, and she works hard to get to know each of her clients and their families so she can fully understand what they want and need out of life. This level of relationship-building is based on regular contact, including meeting her clients in their homes if requested. Kelly and her team also hold regular client events to help strengthen friendships and give people informal opportunities to talk about their plans and goals.

Knowing her clients means that when changes occur, such as the birth of a child or getting a new job, Kelly can rebalance portfolios in a timely way to keep her clients’ financial plans on track. At the end of the day, Kelly prides herself on staying on top of her clients’ changing circumstances so that nothing falls through the cracks. Her clients range from new investors to busy professionals and retirees.

Kelly spends time away from work on the go with her husband Trevor and their two boys Will and Ryan, who both play competitive hockey. She volunteers with both teams and at her sons’ schools. She also enjoys practising hot yoga in her free time.

Karyn Loney 


Karyn Loney oversees all administrative operations at the Cestnik Group. The team’s excellent client service reputation begins with Karyn’s attention to detail. She is the friendly voice that makes sure clients get taken care of in a timely and professional way.

Karyn prides herself on knowing clients so she can anticipate their needs well in advance of important milestones. She is also keenly aware of how precious each client’s time is. With that in mind, Karyn makes sure each interaction takes place as smoothly and efficiently as possible.

Her responsibilities include advising clients on account documentation, booking appointments, responding to client banking requests, administering account online access and executing trades. Scheduling semi-annual reviews and monthly calls are among the most important ways Karyn ensures clients remain in regular contact with the team.

Away from work, Karyn enjoys an active lifestyle pursuing her personal interest in fitness, health and wellness. She also indulges in her passion for hockey both as an enthusiastic Ottawa Senators fan and as a player in a local ball hockey league.