Tom Ratnik

Caldwell Securities Ltd. is a Canadian broker/dealer headquartered in Toronto, Ontario. The firm was founded by Thomas Caldwell in 1980 and they are a subsidiary of Caldwell Financial Ltd. Caldwell Securities provides independent, personalized and innovative wealth management strategies, investment solutions and insurance products for families, individuals, corporations, trusts and foundations, as well as professional investment management for select institutional investors.

Caldwell Investment Management Ltd. (CIM) is an investment advisor and mutual fund manager headquartered in Toronto, Ontario and was founded in 1990. The firm is a subsidiary of Caldwell Financial Ltd. CIM provides investment management and advisory services to Canadian and international retail and institutional investors, including financial institutions, public and private pension funds, endowment funds, foundations and family accounts.