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Your partner in personalized, full-service wealth management

Your ally in the pursuit of financial freedom

We got beyond just managing your money. We fuse innovative technology, modern strategies and a philosophy of integrity to optimize your financial journey. We provide honest, personalized advice with a proactive, high-touch experience.

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Meet the team

Ryan White
Ken White
dylan kerney
Dylan Kerney, CIM®
Portfolio Manager
Daniel DiCarlo
Associate Portfolio Manager

Team values

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Client-First Approach

At Guelph Financial, we believe every decision should begin and end with our clients’ best interests in mind. By putting our clients first, we create strategies that not only address their immediate needs but also support their long-term aspirations. Our commitment makes each client feel valued, respected, and confident in the financial strategies we design together.

Integrity as a Guiding Principle

Trust is the foundation of every lasting relationship. That’s why integrity guides everything we do, from portfolio recommendations to strategy adjustments. Clients can rely on us to be ethical and unwavering in protecting their financial well-being, while adhering to industry standards and regulations.

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Our dedication to excellence is
reflected in every aspect of our work

Clients can expect a proactive, high-touch experience designed to simplify and enhance their financial lives. At 4 Pillars Wealth, we believe in consistently going above and beyond to deliver exceptional service and build lasting relationships. This means not only addressing clients' current needs but also anticipating future challenges and opportunities, helping them feel confident and prepared for what lies ahead.

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Clear Communication

Communicating in a transparent, timely, and easy-to-understand manner is a must at our firm. By simplifying complex concepts and keeping clients informed at every step of their financial journeys, we empower them to make informed decisions. Our approach allows us to deliver personalized service and proactive advice that evolves alongside clients’ life stages.

Timeline

2005

Ryan was recognized at TD as a top Sales and Service Champion in a hybrid role, securing his first full-time position as a Financial Services Representative.

2013

Ryan advanced into management at RBC after years of success as a Financial Advisor. He traveled across southwestern Ontario to support struggling branches, transforming their cultures, boosting morale, and driving performance. He often elevated branches to top rankings in their regions.

2017

Joined Ken White at Guelph Financial with the goal of succeeding him.

2019-PRESENT

Ryan took ownership of Guelph Financial, overseeing significant growth in clients’ wealth, expanding the client base, and refining the firm’s focus on supporting people with disabilities.

Supporting our community

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Guelph Financial is committed to supporting equitable education for children in low-income communities. Through our involvement with First Book Canada, we support the removal of barriers to learning and the provision of essential resources for educators and students. This reflects our team’s belief in fostering a brighter future and access to quality education.

 

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Advancing pediatric health is another priority for our team. Our contribution to SickKids enables the process of groundbreaking research and administration of world-class healthcare for children. Our involvement not only supports the improvement of health outcomes, but also offers hope and healing to families. Our contributions underscore our dedication to bettering the lives of young patients and fostering healthier communities.

Promoting cultural awareness and unity is a key focus for Guelph Financial. Through our support of The Gord Downie & Chanie Wenjack Fund, we contribute to reconciliation efforts and the mission of fostering understanding between Indigenous and non-Indigenous communities in Canada. Our involvement reflects our commitment to creating a more inclusive and compassionate society for future generations.

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Optimize Global Asset Management Inc. (operating as “Optimize Asset Management” or “Optimize”) is registered as a Portfolio Manager in all Canadian provinces. Optimize is also registered as an Investment Fund Manager in the province of Ontario and an Exempt Market Dealer in the provinces of British Columbia, Manitoba, Ontario, and Saskatchewan. Optimize Wealth Management Inc. (operating as “Optimize Wealth Management”) is a member of the Canadian Investment Regulatory Organization (“CIRO”) and the Canadian Investor Protection Fund (“CIPF”). Mortgage solutions are provided by Nesto Inc. Insurance solutions are offered through Optimize’s Managing General Agency, Financial Horizons Inc., and are available only through licensed representatives at Optimize. Investment and portfolio management is offered through Optimize, while financial services and solutions including financial planning, tax preparation, insurance solutions, debt management, and will preparation are provided through our affiliate, Optimize Family Office Services Inc. Investment advice is provided by licensed Optimize and Optimize Wealth Management Representatives only. Optimize does not provide legal, tax, real estate, or private equity advice. Nothing contained herein should be interpreted as such. "Optimize Financial Group" refers to the group of companies including the parent company Optimize Financial Group Inc., it's subsidiaries and affiliates.