Planning

The big secret to achieving your dreams isn’t so flashy…

It all starts with your vision. Whether you want a care-free retirement, to move to your dream home, to set your children up for success or leave a legacy, our step-by-step system for financial planning can get you there.

We’ll let you peek behind the curtain.

We’re here to break down the barriers. Let’s talk about money so you can be sure of your finances.

Our Experience

We’ve Seen it All

In working with hundreds of people in all stages of life, we’ve noticed similarities in the types of challenges facing Canadians.

Market Correction

No strategy to mitigate losses during a market downturn.

Limited Growth

Not achieving enough investment growth to reach financial and life goals.

Tax Inefficiencies

Paying more tax than you could on investment growth, withdrawals and transfers.

Unmanaged Risks

Leaving yourself and your family open to risk.

Missing Advice

Not getting holistic financial advice when you need it.

Unprepared Retirement

Not being able to afford your lifestyle and outliving your retirement savings.

Unsecured Estate

Ensure your wishes are followed and your family is cared for.

How Canadians feel about their wealth.

44% of Canadians say money is their leading source of stress.9

Almost 3 out of 4 (71%) Canadians surveyed don’t have a professional financial plan.10

Almost half of Canadians (43%) surveyed are not confident they will achieve their financial goals (directly correlated as without a plan it is much more difficult to achieve your goals).10

47% of Canadians who are currently working believe they are at risk of outliving their retirement savings.11

72% of Canadians who are already retired say their retirement is not what they were expecting.11

Whether you’re an employee, a business owner or retired, any of these challenges, if not solved with a solid financial strategy, can mean devastating consequences for your life goals.

Our Approach

How We Think

We listen to understand your unique goals and challenges and build a trusting relationship helping you manage your personal finances like a business, acting as your Personal CFO to optimize your finances to reach your life goals.

Our unique financial planning approach is built on a proven system that integrates six critical financial areas

What is an MRG Personal CFO?

Your Financial Planner

Your Investment Advisor

Your Insurance Advisor

Your Wealth Tax Advisor

Our unique financial planning approach is built on a proven system that integrates six critical financial areas:

Budgeting

Understand your current and future financial position.

Risk

Protect your financial future.

Investments

Grow your money sustainably.

Tax

Save money on your taxes.

Retirement

Afford the retirement you want.

Estate

Ensure your wishes are honoured.
You have to know where you’re going before you can plan how to get there. That’s why 
we start with your values, vision and goals and build out from there!

Our Process

Let’s Understand

First thing’s first! Let’s get to know each other so that your personal CFO can determine how best to support you. We’ll go over in detail your goals and challenges along with life events or milestones, dreams and aspirations and how your money can be used to achieve your dreams.

Let's Plan

We’ll talk about your vision for your life and build a strategy to get you there. We help you to maximize your wealth, mitigate risk and minimize taxes on your personal wealth to accelerate you towards your goals. We will build a strategic customized plan just for you.

Let’s Do It!

We have access to wealth strategies typically only reserved for the ultra-wealthy or large institutions. With us, you now have that same opportunity. Your Calgary financial advisor will work with you to implement your integrated wealth strategy designed to help you achieve your goals.

Let’s Adjust

A key to success is continually monitoring and adjusting your wealth strategy based on the changes in your life and the economic and political climate. When life happens, we will be there to help you. We help you to ensure that, no matter the circumstances, you have peace of mind.

Ready to take your mind off your money?

Testimonials

I recently approached MRG Wealth Management to help me secure life insurance. Although my current circumstances presented some challenges in terms of my application, Ryan did not shy away from the challenge. Instead, he went the extra mile – and many more – to ensure I ended up with the coverage I needed, and at a great rate! Ryan was extremely responsive and knowledgeable, walking me through each step of the process. I was impressed by his continued persistence and his reluctance to accept the status quo. I believe that all these factors combined contributed to the successful outcome I don’t think I would have received with another financial advisor. I look forward to working with Ryan and MRG again in the future!

Sarah McNab

My wife and myself recently transferred our portfolio to MRG Wealth and Ryan made this process very easy and comfortable for us. Throughout the process Ryan was extremely transparent, very patient with all of the questions we had, and developed a strategy that we are both excited to work towards. If you need to contact Ryan, his response time is excellent, and he has been great at sending follow up emails to recap the discussions/path forward.We highly recommend using Ryan and MRG Wealth.

Terry Stephens

Ryan has been wonderful to work with! He is extremely knowledgeable and very clear in his communication. We would definitely recommend him!

Melissa Tomilin

Ryan has been such a blessing to work with. He has made investing and finances enjoyable (which i never thought possible). He is extremely personable and shows that he cares not only about our future, but our day to day life as well. I am so grateful to be able to put my trust in him, and know that my future is in good hands. I would highly recommend Ryan and his team.

Kate Grinter

Ryan is wonderful to work with. He is easy to talk to, accessible whenever we have questions, and knows what he’s doing. He has taken so much of the stress and anxiety out of financial planning for us. We recommend him highly!

S Owens

Ryan makes investments a positive experience! He is personable, approachable and informative. He puts me at ease, there when needed to answer questions and offer solutions.Thank you Ryan!

Wanda Berg

Working with Ryan to date has been a fantastic and positive experience. He builds trust and confidence and shares great family values. I would strongly recommend Ryan and his team for your wealth management.

Paul Clark

Ryan is our trusted advisor for all of our personal and corporate investment needs. We benefited from his services within the first year of working together. Ryan provides sound, informed advice based on our goals and financial situation. I feel that he truly cares about his clients and has expert knowledge of the investment realm.

Carol Peters

Ryan and MRG offer fantastic, personalized, and professional services. After a number of years of poor service and lack of attention from one of the large banks-and minimal portfolio performance-I moved my investments to MRG. Ryan immediately made a great first impression and in the time since then has continued to do so. Ryan is extremely knowledgeable and very passionate and diligent about finance; he is also very personable and truly listens to me, my hopes and fears, and has used all of this to develop a solid strategic plan to enable me to achieve my goals. My only regret is that I didn't meet him 10 years ago.

Connie Berkshire

It is always a harrowing experience looking for a financial planner that you can trust and work with to achieve your financial dreams. Ryan is a pro in communicating, probing when he needs to and always makes himself available to answer questions or just discuss things that are top of mind. Highly recommend to consider Ryan in your search.

Cynthia Kumar

We did a ton of research when looking for a financial planner. We know we can’t do enough research to plan for our retirement effectively which is why we trust Ryan as the expert! He is always on time, great in communicating with us and is available to answer all of our questions. We are happy working with him towards our future goals!

Dorothy Bewernick

We absolutely love Ryan's knowledge and enthusiasm, he is SO great at following up and coming alongside us to make sure we are on track financially. I also appreciate how much effort he puts in at staying updated on how our family is doing, milestones reached, or personal successes. We always feel like he truly cares about our family and is working hard to see us be successful and prepared financially. We highly recommend Ryan!

Amanda Friedel

We moved our investments to Ryan recently and are happy with our decision so far. He offers something different than your "regular" advisor who only offers certain financial products. He is very knowledgeable and seems to constantly be building upon his already significant expertise in all things financial. He is also very reachable and organized. I am grateful for his guidance thus far and feel like we have a solid financial plan and strategy for the future.

L M

Ryan is a true, authentic professional. He is an excellent communicator, who cares about every detail related to a person’s wealth management plan. Brenda and I strongly recommend his skills. We are honored to have him guiding our financial planning, especially during the interesting days in which we live.

Randy Head

Ryan has been a great addition to us as a financial advisor. We had a previous wealth management and financial adviser that I wasn't able to meet our needs and when we found with Ryan, we felt instantly heard and cared for. He's very attentive to our needs and he communicates really well. He has also educated us on financial matters so I feel like he's somebody that we are very confident with in the future. We would recommend him to anybody that is looking for a financial advisor and wealth manager.

Diana Kinyua

Ryan and RMG have been fantastic to deal with over the past year. They have been extremely transparent, trusting and give my wife and I the confidence that our investments are being looked after. I really like the retirement planning model, it really gives us line of sight to whether we are on track to meet our retirement goals or not.

Ryan Barrett

We have been with Ryan for approximately 2 years. His knowledge and integrity is unchallenged. He is always seeking to better our portfolio. Keep,up the good work Ryan.

Ron Dercole

There are an abundance of wealth managers available today but none like Ryan Gubic. The integrity he demonstrates is valid. Each client is treated with the utmost concern and care for their financial wellbeing. Ryan continues to self improve through educating himself through gaining greater financial knowledge and working on himself personally and professionally to be 100% available for his clients. He has made an incredible difference in my life and for that I am truly grateful. His professional, kind and generous demeanor are his greatest attributes. Once you have the pleasure of knowing Ryan I know you will also agree.

Jan Eden

We had the pleasure of working with Ryan over the past 2 months and have to say that his professionalism and desire to be clear and concise has us extremely happy.His patience and willingness to dig in and understand is something that assures we continue to work together.Thanks again Ryan!

Octopus & Son

It is a pleasure working with Ryan. He provides exceptional service and is always available to provide advice. He definitely went the extra mile during the transfer of investments to MRG as we had some small balance certificated shares that were not easy to deal with.

Cameron Ollenberger

Ryan is wonderful at what he does. He has expertise and professionalism that build trust immediately, which is of utmost importance when you are planning for your future. He has creative strategies and is thorough in explaining options. You are in good hands with Ryan in your corner!

Courtney Jackson

I have been extremely pleased with Ryan as my financial planner. With being a recent widow I am so grateful that he is helping me to look after my finances.

Sandi Ollenberger

Ryan is one of the most honest and charismatic people we have met in this industry. He has great integrity and an intimate knowledge of the market—preeminent attributes for a wealth advisor. We have been MRG Wealth Mgmt clients for 2 years and continue to be very pleased with Ryan’s service and with our portfolio’s performance. Even amid the uncertain times of Covid, Ryan’s pragmatic money management style ensured our portfolio’s stability.

J E

As a retiree I valued Ryan’s expertise and patience explaining the options available for investing my hard earned money. His knowledge, integrity and honesty gave me confidence that my funds will be well taken care of in my retirement years! Thank you Ryan!!

Lorraine G

Ryan has been a gem to work with. I was frustrated with using my institutional advisor as the information was not tailored. He understood my situation and was able to dig into some issues that I did not have the time or understanding to address. His knowledge of investments and ability to apply that to your situation is excellent. Thanks Ryan.Highly recommended.

Cynthia Kumar BST

My husband and I have been working with Ryan and MRG Wealth Management for a year now. He has helped us with our financial needs, mine in particular as I transitioned from work to retirement. His honesty and integrity are valued and we have come to trust his thoughts and perspectives. We do not have to worry about our finances as we have full confidence in Ryan and his company.

Rhoda Friedel

I recently moved my investments from a large wealth management company to Ryan at MRG. I can't say enough about that personalized service, responsiveness and professional approach that Ryan has provided to me. No question is too small. I am very impressed by MRG's approach to wealth management and look forward to many years of creating wealth with Ryan and the MRG team.

Kim Worsterkim Worster

It was, and is very hard for me to trust other people with money that is supposed to be there for my family and retirement one day. I found a great sense of trust in Ryan and his team. Ryan has helped me with advice when I need it, proactively guides my wife and I with investment strategies, and even reminds me of the things that I need to get done, even though he doesn't need to - it's greatly appreciated. When I'm focused on making money at work and the everyday stresses of life, I feel a sense of comfort knowing someone like Ryan and his team are looking after something I know I can't.

Rick Zajonz

The team at MRG Wealth Management has helped me get back on track for retirement and made everything easy and enjoyable. It was refreshing to work with a team that listened to what I wanted and we worked together to develop a plan which would work for me. The knowledge and expertise they have is unlike anything I have experienced before. It feels great to have a trusted partner to help me make smart decisions with my money and I now feel confident in my future. I recommend MRG Wealth Management to all my family and friends.

Victoria D

The advice we have received from Ryan is amazing. His straight forward questions have helped us in a lot of our financial scenarios. I wish we could have met him years ago.

Stuart S

Ryan's holistic approach to financial planning has provided myself and my husband an in-depth knowledge of our own finances as well as ensuring we are on track to meet our goals. Ryan provides many options with pros/cons so you fully understand the choices that are available. It has been fantastic working with him.

Karen Boersma

Considerations

You can benefit from an MRG Wealth Financial Plan.

For every client, we cover:

Value & Goals
Personal Balance Sheet
Investments
Retirement
Risk Management & Insurance
Estate
Vulnerabilities & Opportunities
Personal Cash Flow
Savings & Withdrawal
CPP/OAS
Tax
Child Education
Considerations for business owners

If you are a business owner, we can also cover:

Corporate Wealth Strategies
Corporate Investments
Business Owner Compensation
Health Spending Account
Business Continuation (Buy/Sell)
Legal Structure
Corporate Savings
Corporate Risk Management & Insurance
Group Benefits
Sounds like a fit for you? Schedule some time to talk.
Book a call
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That’s Just the Start…

Financial planning is just where we begin. With MRG Investments of Aligned Capital Partners, we’ll put your plan to work, fueling your financial strategy with a risk-based approach to build a custom investment strategy that is both tax-optimized and integrated with the other areas of your financial life to help you achieve your goals.

Learn more about how you can improve your investment strategy.

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Be sure of your future.

Connect with us today for clarity and confidence in your financial future.