Growing by learning
Kristin Ramlal: “In 2007, I completed a Bachelor of Commerce (Hons.) Degree in Actuarial Mathematics & Finance at the University of Manitoba and became licensed by The Investment Industry Regulatory Organization of Canada (IIROC). Since then, I have taken over 20 several courses through the Canadian Securities Institute, earning a Certificate in Retirement Strategy, a Advanced Investment Advice, Technical Analysis, and the Personal Financial Planning (PFP), and Chartered Investment Manager (CIM) designations and became a Fellow of the Canadian Securities Institute (FCSI) in 2016. I have also taken the opportunity to broaden my holistic wealth advisory skills and participated in several industry-leading training programmes where I have been also certified as a Wealth Advisor and, most recently, a Real Wealth Manager (RWM™), which has deepened my understanding of the broader needs and issues high-net-worth families face, to enhance wealth sustainability utilizing a holistic and collaborative multi-stakeholder approach to wealth management. Additionally, having worked for nearly 20 years in the financial services industry, I’ve gained experience across a variety of financial services organizations and functions. These include: Canadian and U.S. personal banking; retail and institutional investment account management and supervision; portfolio analysis; security research and trading; and holistic wealth advisory, including: financial, retirement, tax, retirement income, philanthropy, and estate planning.”
A life with a purpose
Kristin Ramlal: “My volunteering outside of work is very important to me. I’m currently the Chair of the Society of Real Wealth Managers, an international network of financial professionals who collaborate under the Real Wealth Management ™ framework to enable financial peace of mind. I’m also the Membership Chair for the Winnipeg Women in Leadership Employee Resource Group at Canada Life, which helps support the professional and personal development of women at Canada Life.”
Following the trend
Kristin Ramlal: “Over the years, the industry has shifted from a sales model to an advice-driven model. Because of this shift, successful financial professionals must be able to articulate the value of their advice to enhance their unique value proposition while running a consistent practice to best meet their clients’ needs. The financial industry has historically been siloed, often leaving the end client with the responsibility to communicate and orchestrate their holistic wealth plan in conjunction with all of their strategic financial professionals (accountant, financial planner, family lawyer, portfolio manager, mortgage broker, ect). The Real Wealth Management ™ framework, is a practice management framework that has been designed to help clients accumulate, grow, preserve, and transition sustainable wealth and aims to take the burden off the end client. Essentially, a The Real Wealth Manager (RWM™) serves as the financial quarterback for the chief family influencer (end client and important stakeholders in their life) client by leading a team of strategic financial professionals (as needed) under a single holistic wealth management plan.