Karl Ruban B.Comm (Hons.), CPA, CA, CFP®, CPCA

Senior Financial Planning Advisor

Safeguarding your family’s financial future

with complete wealth management services »


After our first meeting with Karl Ruban ten years ago, my husband and I initiated our plan and investing for our future. A few years later,Karl introduced us to The Smith Manoeuvre and we purchased our first home. It was an exciting time, as we watched our mortgage drop so much faster than we realized possible, but also to see our investments climb. It was not until two years ago that we truly realized how properly Karl had prepared us financially. I was diagnosed with a brain tumour that required immediate surgery and very expensive medical treatments. One of the first calls we made was to Karl. My family and I were dealing with devastating news, but we at least did not have to endure the fear of a financial crisis as well. We knew from Karl's initial teaching of The Smith Manoeuvre that we could divert our dividend cashflow and use it to help pay for my treatments. Had we not had such secure investments through Karl, I would have felt buried in stress. I would never have been able to have the treatments I needed to survive and to be there for my husband and my young son. Karl's sincere compassion and unmatched financial expertise helped to carry us through the most difficult time of our lives, and my family and I will be forever grateful.

— Kathryn & Kevin
Guelph, ON

Working with Assante Capital Management, and Karl Ruban in particular, has been a real pleasure and a 'game changer'. Karl's emphasis on a holistic understanding of our complete family finances and circumstances has lead to a very personalized approach to putting in place a strategy for our family to achieve our financial goals and navigate these uncertain times. Karl has provided invaluable assistance in helping me meet my goals of achieving financial freedom while considering all facets of our financial well being, such as investment strategies, estate planning, taxes, insurance and planning for the education costs of our two young boys. Karl has always been quick to respond to any and all of my questions, while keeping me focused on achieving my financial goals as well as broadening my perspective as to how to bridge the broader challenges of maximizing my "family capital" at the same time as my "financial capital". His years of experience and profound and unique personal values he injects into our relationship are evident and deeply appreciated. I look forward to a long and successful relationship with Karl and Assante.

— Nicholas O'Neil
Toronto, ON

Over 20 years ago, we decided that we were in need of an experienced professional to assist our family through major transition. At our first meeting, we were impressed with Karl Ruban's personal interest in our family situation and his skill in enabling us to meet our financial objectives. He helped us strategize and implement an overall multi-generational plan for us at that key point in our lives. With regular reviews our goals continue to be met and we are enjoying our blessings in retired life. Over the years, we have recommended Karl to our family and friends, and he has exceeded our expectations as a faithful counselor in our estate and personal affairs.

— Barry & Pat O'Brien
Guelph, ON

Karl Ruban was recommended to us by two families who have never met each other, so we figured we were on to something. And right we were - at a time when we were struggling to control our finances you came alongside our family with well-researched, timely, and compassionate advice. Between your suggested tweaks to our spending plan and using The Smith Manoeuvre, we have been able to afford to have me stay home with our two young daughters. What difference this has made to our lifestyle - we are more relaxed and have more time to spend together as a family. Karl has also assisted my mother in planning her estate. Thank you for everything that you and your team have done for our family!

— Wendy Waldbauer-LeBlanc
Toronto, ON