Richard Gramlow of Raymond James Ltd.

Richard Gramlow of Raymond James Ltd. Helping business owners & families turn financial complexity into clarity. Based in Waterloo

As your Local Financial Advisor, I partner with clients who want a comprehensive planning approach for their financial affairs. If you are:

➤ Unclear about how your financial picture fits together
➤ Lacking time or expertise for long-term planning
➤ Already stretched thin managing a business or family
➤ Frustrated by growing taxes and tax liabilities now and in the future
➤ Unsure if your investm

ents are on track for short and long-term goals

We can help.

➤ Our family office approach aligns with your financial affairs
➤ We start with your comprehensive wealth and estate plan
➤ Advanced tax and wealth planning strategies to work together towards your goals
➤ Your investments are managed with care and responsibility

Our goal is to bulletproof your finances, so you can focus on what really matters. Available for virtual and in-person meetings.

� Waterloo City Centre, 100 Regina St S, Suite 175, Waterloo, ON, Canada
� (519) 743-7774
� [email protected]

Thank you to everyone who joined us for our recent Client Insights Webinar: Women & Wealth, What Women Want from Money C...
06/01/2026

Thank you to everyone who joined us for our recent Client Insights Webinar: Women & Wealth, What Women Want from Money Conversations.
Our speakers — Teresa Malowany, VP Head Wealth Planning & Tax Consulting; Annie Belanger, Insurance Planning Specialist; and Marissa Lydynia, AVP, Estate and Trust Solutions — shared their insights on how women approach wealth, what matters most to them in financial discussions, and how we can work to empower everyone during conversations around money.

If you missed the session or would like to revisit the discussion, the full recording is now available.

Watch the webinar recording: https://www.raymondjames.ca/commentary-and-insights/retirement-estate-planning/2026/05/26/women-and-wealth

raymondjames.ca

Tax planning looks different for everyone. Understanding what you need financially can help determine which strategies m...
05/26/2026

Tax planning looks different for everyone. Understanding what you need financially can help determine which strategies make the most sense.

investmentexecutive.com

The statistics are pulled from the US, but the insights apply here too!
05/20/2026

The statistics are pulled from the US, but the insights apply here too!

awealthofcommonsense.com

The Canadian Federation of Independent Business is trying to cut through some red tape for succession planning.
05/08/2026

The Canadian Federation of Independent Business is trying to cut through some red tape for succession planning.

investmentexecutive.com

The 2026 Spring Economic Update is out, and there are a few changes that stood out to me.
05/07/2026

The 2026 Spring Economic Update is out, and there are a few changes that stood out to me.

raymondjames.ca

"50 per cent of businesses have suffered direct financial losses due to incorrect AI-generated advice."
04/28/2026

"50 per cent of businesses have suffered direct financial losses due to incorrect AI-generated advice."

canadiansme.ca

Along with these tips, it's always good to keep up with recent fraud/scam trends.
04/10/2026

Along with these tips, it's always good to keep up with recent fraud/scam trends.

raymondjames.ca

I'm pleased to invite you to an upcoming Client Insights Webinar hosted by Raymond James on April 23, where our experts ...
04/09/2026

I'm pleased to invite you to an upcoming Client Insights Webinar hosted by Raymond James on April 23, where our experts will break down the key factors shaping financial markets in 2026.

Our speakers — Ed Mills, Managing Director, Washington Policy; Javed Mirza, Managing Director & Equity Research Analyst; and Neil Linsdell, VP, Head of Investment Strategy — will discuss:

• The current state of the Canadian economy and equity markets
• How global geopolitical tensions are influencing market behaviour
• What quantitative and technical analysis are telling us about the months ahead

If you're interested in understanding today's market environment and what it could mean for your financial strategy, this is a great opportunity to hear directly from our research and policy leaders.

Register here:
https://raymondjames.zoom.us/webinar/register/WN_RpemhgAAQs6frXmBU22wEA #/registration

zoom.us

Location vs space. NYC makes you pick one.
04/03/2026

Location vs space. NYC makes you pick one.

awealthofcommonsense.com

It's always interesting to go back and see the ideas about the future from 20+ years ago.
04/01/2026

It's always interesting to go back and see the ideas about the future from 20+ years ago.

classiccars.com

Address

100 Regina Street S. , Suite 175
Waterloo, ON
N2J4P9

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