Integrated Wealth Management
Integrated Wealth Management is a Calgary-based, founder-led Canadian wealth management firm serving high net worth individuals and families across Western Canada with discretionary investment management, retirement planning, estate planning, and tax optimization under customized Investment Policy Statements.
- Company typePrivate
- Founded1997
- HeadquartersCalgary, Canada
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Integrated Wealth Management does
Integrated Wealth Management Inc. (IWM) is a privately held, founder-led Canadian wealth management firm incorporated in Alberta and headquartered in Calgary, serving high net worth individuals and families primarily across Western Canada (Alberta and Saskatchewan). Founded by Andrew H. Ruhland, CFP, the firm operates with a small team (stated range of 1–10 employees) and offers comprehensive wealth planning, investment management, retirement planning, estate planning, and tax optimization services, anchored by an Integrated Wealth Planning Process that links portfolio construction to clients' life goals, values, beliefs, and priorities.
The firm's core product surface is its Forward-Thinking Portfolios — discretionary accounts managed under a customized Investment Policy Statement (IPS) with a defined asset mix spanning cash, stable income (private alternatives, corporate bonds, preferred shares), dividend and growth equities, and opportunity-seeking components such as commodity strategies and private equity. Portfolio managers actively adjust allocations in real time using a proprietary risk management dashboard that monitors VIX, credit spreads, bull/bear sentiment, and asset class weighting signals, and apply hedging tools including cash levels, currency hedging, and option strategies to limit downside. Supplementary offerings include a Videos & Webinars library, the quarterly 'Views from the Crowsnest' newsletter authored by the founder, an Outgrow-powered Investor Readiness Assessment tool, and estate planning support delivered in partnership with Clear Estate.
IWM monetizes through recurring tiered advisory fees on assets under management, with lower percentage fees at larger portfolio sizes. The primary client threshold is $500,000 in investable assets for clients over 50 and $250,000 for standalone Core and Explore accounts. Distribution is direct — introductory calls booked through Calendly, in-person and Zoom consultations, and inbound interest generated through the firm's webinar series, podcast appearances (Money Talks), newsletter, LinkedIn, and Facebook. The firm is founder-owned, with no parent company, institutional investor, or external capital structure disclosed, and has been recognized by AdvisoryHQ as a top-rated wealth management firm.
Integrated Wealth Management firmographics
Firmographics- Name
- Integrated Wealth Management
- Legal name
- Integrated Wealth Management Inc.
- Website
- https://integratedwealthmanagement.ca
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Integrated Wealth Management is a Calgary-based, founder-led Canadian wealth management firm serving high net worth individuals and families across Western Canada with discretionary investment management, retirement planning, estate planning, and tax optimization under customized Investment Policy Statements.
- Ownership category
- akta.pro rank
Integrated Wealth Management industry classification
Industry- Product category
- Wealth Management
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)
- akta.pro secondary industry
- Managed Accounts & Model Portfolios (SMA/UMA) (FSAAAAAG)
Keywords
Where Integrated Wealth Management is headquartered
LocationHeadquarters
- HQ city
- Calgary
- HQ country
- Canada
- HQ region
- North America
Offices1 record
Markets served
Integrated Wealth Management business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Wealth Management Advisory Fees: Tiered management fees based on portfolio size. Larger portfolios pay lower percentage fees. Typical minimum portfolio of $500,000 for clients over 50, with $250,000 minimum for Core and Explore standalone accounts.
- Investment Management Services: Discretionary portfolio management with active asset allocation and real-time risk management. Includes stable income generation (private credit, infrastructure, real estate, royalty streaming), equity management (dividend growers, momentum stocks), and opportunity-seeking strategies (commodities, private equity).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | High Net Worth Clients (Age 50+) |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Integrated Wealth Management product offering
Product offeringCore offering
Integrated Wealth Management is a Canadian wealth advisory firm that provides discretionary investment management and comprehensive wealth planning to high net worth individuals and families. Its core offering is the Integrated Wealth Planning Process combined with Forward-Thinking Portfolios — customized asset allocations (cash, stable income, equities, commodities) governed by an Investment Policy Statement and actively managed in real time using proprietary risk dashboards.
Product overview
Integrated Wealth Management offers comprehensive wealth planning and investment management services centered on its proprietary Integrated Wealth Planning Process and Forward-Thinking Portfolios. The core offering combines customized investment strategies with ongoing portfolio management through actively managed accounts, each supported by an Investment Policy Statement. The firm provides supplementary educational content through its Videos & Webinars Library and quarterly Views from the Crowsnest newsletter. Services are available to clients meeting minimum portfolio requirements ($500,000 typical minimum for those over 50, $250,000 for standalone commodity strategies). The firm also offers estate planning guidance and investor readiness assessments.
Differentiator
Problem solved
Functional benefit
Products and services
- Wealth Planning and Investment Management Comprehensive wealth planning and discretionary investment management services for high net worth individuals and families. Includes customized investment strategies, retirement planning, tax optimization, and ongoing active portfolio management. Requires a typical minimum portfolio of $500,000 for clients over 50, with $250,000 minimum for Core and Explore standalone accounts.
- Forward-Thinking Portfolios Customized investment portfolios structured with asset mix targets including cash, stable income (private alternatives, corporate bonds, preferred shares), equities (dividend growers, growth stocks), and opportunity-seeking components (commodity strategies, private equity). Each client receives an Investment Policy Statement defining risk parameters, benchmark allocations, and acceptable ranges for asset classes.
- Integrated Wealth Planning Process The firm's proprietary planning methodology that connects wealth management to clients' life goals, values, beliefs, and priorities. Emphasizes structuring portfolios with flexibility to achieve durability across market cycles.
- Estate Planning Services Estate planning guidance and support including executor selection advice, third-party estate administration options, and coordination with estate planning professionals such as Clear Estate.
- Investor Readiness Assessment Portfolio readiness assessment tool that provides investors with a custom report including a Readiness Score and improvement recommendations. Available in versions for investors with advisors and self-managing investors.
Quantifiable outcome
- Client portfolios down less than a third of weighted benchmarks during challenging market periods (as of March 2026)
- +2 more outcomes
Companies that use Integrated Wealth Management
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Integrated Wealth Management technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Integrated Wealth Management partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered supporting and core.
- Clear EstatesupportingClear Estate provides estate planning and settlement services with 80+ professionals across Canada. Partner Ellie Muir appeared as guest speaker on IWM webinar discussing estate planning pitfalls, executor roles, and third-party estate administration options.
- Money Talks PodcastcoreFounder Andrew H. Ruhland is a well-respected industry veteran and regular guest expert on the Money Talks podcast, providing insights on investing, markets, economy, and personal finance.
- Portfolio ManagerscoreIWM partners with skilled portfolio managers who actively manage client portfolios in real-time using proprietary signals, risk dashboards, and various strategies including cash levels, currency hedging, and option strategies.
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
Integrated Wealth Management competitors and assessment
Company assessmentBroad incumbents
- CI Private Wealth (CI Financial): Canadian HNW wealth platform offering discretionary management, financial planning, estate, and insurance-integrated solutions - same HNW client focus and integrated wealth services but institutional scale.
- Nicola Wealth Management: Canadian independent wealth management firm serving HNW families with discretionary portfolio management, financial planning, and estate services - directly comparable HNW client focus and full-service model, but materially larger AUM and headcount than IWM.
- Wellington-Altus Private Wealth: Canadian independent wealth management firm providing advisory portfolio management and wealth planning to HNW families across Canada - directly comparable service model with significantly broader geographic footprint.
- Richardson Wealth (now part of Ventum Financial): Canadian wealth management platform serving HNW families and entrepreneurs with discretionary portfolios, estate, and tax planning - same target segment and service stack but at substantially larger national scale.
- IG Wealth Management (IGM Financial): Large Canadian wealth management platform with financial planning, managed portfolios, and insurance-integrated solutions serving mass-affluent to HNW clients - overlapping service offering at much larger scale and broader client tiers.
- Manulife Wealth (Manulife Investment Management): Canadian HNW wealth offering combining investment management, estate planning, and insurance solutions under one brand - comparable insurance-integrated wealth model at large institutional scale.
Direct peers
- Hillsdale Investment Management: Canadian employee-owned investment manager offering discretionary wealth and institutional asset management with focus on long-term value investing - directly comparable discretionary model and Canadian wealth clientele.
- Cardinal Capital Holdings: Wealth management and investment advisory firm also based in Calgary serving HNW and HNW-UHNW families with discretionary portfolios - most direct geographic and segment overlap, operating at similar small-firm scale.
- Edward Jones Canada: Canadian branch-based wealth advisor network offering personalized investment management, retirement, and estate planning to mass-affluent and HNW households - similar advisor-led model with comparable client relationship focus.
Emerging players
- Exponent Investment Management: Canadian RIA providing discretionary portfolio management with thematic and active strategies - comparable proprietary-active approach but with smaller HNW/UHNW niche and technology-forward positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Integrated Wealth Management social profiles
Digital presenceIntegrated Wealth Management financial estimates
Financial estimateRevenue estimate
Valuation estimate
Integrated Wealth Management leadership team
Management profileNumber of profiles
Profiles1 record
Integrated Wealth Management funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Integrated Wealth Management M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Integrated Wealth Management
What does Integrated Wealth Management do?
Integrated Wealth Management is a Canadian wealth advisory firm that provides discretionary investment management and comprehensive wealth planning to high net worth individuals and families. Its core offering is the Integrated Wealth Planning Process combined with Forward-Thinking Portfolios — customized asset allocations (cash, stable income, equities, commodities) governed by an Investment Policy Statement and actively managed in real time using proprietary risk dashboards.
Is Integrated Wealth Management a public or private company?
Integrated Wealth Management is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Integrated Wealth Management founded?
Integrated Wealth Management was founded in 1997. It employs 1 to 10 people.
Where is Integrated Wealth Management based?
Integrated Wealth Management is headquartered in Calgary, Canada, in the North America region.
How does Integrated Wealth Management make money?
Two revenue lines are on record. Wealth Management Advisory Fees are the primary driver. The others are investment Management Services.
Who are Integrated Wealth Management's main competitors?
Broad incumbents on record are CI Private Wealth (CI Financial), Nicola Wealth Management, Wellington-Altus Private Wealth, Richardson Wealth (now part of Ventum Financial), IG Wealth Management (IGM Financial) and Manulife Wealth (Manulife Investment Management). Direct peers are Hillsdale Investment Management, Cardinal Capital Holdings and Edward Jones Canada. Exponent Investment Management is listed as an emerging player.
Does Integrated Wealth Management have an API?
No public API is recorded for Integrated Wealth Management.
What industry is Integrated Wealth Management in?
Integrated Wealth Management's product category is Wealth Management. Its primary akta.pro industry code is FSAAABAD, Advisory Portfolio Management (Non-Discretionary), with a secondary code of FSAAAAAG, Managed Accounts & Model Portfolios (SMA/UMA). Its NAICS code is 523940 and its SIC code is 6282.