Karl Ruban, B.Comm (Hons.), CMA, CA, CFP, RFP, CSA
Senior Financial Planning Advisor
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Welcome. As an Assante advisor, my goal is to help my clients develop a comprehensive tax and estate plan. At the same time we will do a complete debt analysis while assessing the proper balance between registered and non-registered portfolios focusing on retirement cashflow. I specialize in transition planning and helping your family through all phases including inter-generational wealth transfer.
With more than 800 advisors and 300 offices, Assante is one of the largest independent networks of advisors in Canada. My relationship with Assante allows me to offer my clients a full range of wealth management services, including investment advice, retirement planning, tax planning, insurance and estate planning.
Please take a few moments to browse my website and learn more about Assante and how I can help you achieve financial independence and peace of mind with an integrated approach to managing your wealth.
I would be happy to discuss how we can work together to create a strategy that meets your needs - now and for the future. Contact me today for a confidential conversation.
Biography
Karl Ruban is a graduate of the University of Manitoba with an Honours degree in Commerce. As a member of the Canadian Association of Financial Planners, Karl holds the highest designation in the industry - Registered Financial Planner. In addition, he is a Certified Financial Planner (CFP) and a Chartered Accountant (CA), having articled with Price Waterhouse and Deloitte, Haskins and Sells.
Karl is a Financial Advisor, qualified to provide recommendations for both investments and insurance. Karl focuses on the areas of personal and small business financial planning. He works with individuals, couples and families. His investment philosophy holds capital preservation and long term growth as the most important virtues of a successful investment plan. Financial assets, according to Karl, must be prudently structured and carefully managed. This allows his clients to successfully endure the twin ravages of tax and inflation.
During his twenty five years in business and financial planning, Karl has dedicated himself to hard work and full service. Through his commitment to excellence and reputation for outstanding service, Karl has built a solid client base. His practice has expanded through personal referrals from individuals who have attended his lectures to universities, colleges, companies, professional organizations and associations on the subject of personal and business planning.
Karl?s family is an important part of his life. He values his time with his wife and their five sons. His dedication to service allows his clients the same type of freedom. Karl?s reputation for thoroughness gives his clients confidence that their financial affairs are secure. During his leisure hours, he enjoys jogging, handball, skiing, theatre, summers at the cottage and travel. Karl supports various charities and is actively involved in several Christian organizations.
Mission
We deliver integrated wealth management solutions to create wealth and prosperity for Canadian families.
Assante Story
Founded in 1995, Assante Wealth Management is a leading provider of
integrated wealth management solutions, designed to meet the needs and goals of
individuals, families and businesses across Canada.
Our advisors and their clients are at the centre of our business and are
supported by the exceptional investment management team and wealth planning
group housed at our sister-company, United Financial Corporation. We are a
principal distributor of United Financial's customized, cutting-edge, solutions.
Be well-advised is our promise to you.
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