Who We Are
Enriched Investing Incorporated is a team of trained, seasoned and dedicated money managers acting for you as Fiduciaries, the highest legal and ethical standard in our industry. Moreover, all our employees abide by the Code of Ethics and Standards of Professional Conduct as set out by the Chartered Financial Analysts (CFA) Institute.
Our job is to give our clients the opportunity to enrich their lives by freeing them from the worry of having to continually make investment decisions. Peace of mind and confidence are the result of having industry leading, trusted veterans dedicated to helping you reach your personal goals.
Our Team
Margaret Samuel, MBA, LLB., CFA
President, CEO and Portfolio Manager
Over more than twenty-eight years, Ms. Samuel has developed a disciplined approach to portfolio management at major Canadian investment institutions. Ms. Samuel has analyzed, traded and managed money market, fixed income, common equity and derivative hedging instruments and portfolios, gaining in-depth experience in fundamental, technical and quantitative disciplines.
Other positions Ms. Samuel has held include Portfolio Manager of long-short and long-only funds, Vice-President, Investment Advisor, Chief Investment Officer, Chief Compliance Officer, and Analyst with both small and large organizations including the Royal Bank Group of Companies and Ontario Teachers Pension Plan Board. Ms. Samuel graduated from the University of Alberta with a Masters of Business Administration, a Bachelor of Laws degree, and a Bachelor of Arts degree with distinction. Ms Samuel holds the Chartered Financial Analyst designation, and is a member of the CFA Society Toronto and of the Canadian Society of Technical Analysts.
Ms. Samuel has served as Board member of the CSTA and on a number of CFA Society Toronto committees.
Darryl Cailes, BA., PFP
Executive Vice President, Managing Director and Chairman
In a period of thirty-four years Mr. Cailes has been involved in the capital markets as a private investor and a fully licensed Investment Advisor with Merrill Lynch, one of the world’s largest investment firms. He held similar positions with two bank owned investment firms in Canada and during that time was the author of a regular investment column for the Economist and Sun, one of Ontario’s largest community newspapers. He has also served as Vice President, National Sales Manager with a TSX listed real property investment firm based in Toronto. He has broad experienced in customer service and marketing disciplines beginning in 1980 with Honeywell Canada and subsequently launched the advance into Eastern Canada of a major Western Canadian ecologically friendly lawn care service provider.
Mr. Cailes studied business administration at Ryerson University and holds a Bachelor of Arts degree from the University of Windsor. He earned the Professional Financial Planner diploma in 1999.
Robert McWhirter, CFA
2018 Technical Asset Manager of the Year
Bob McWhirter is well known in the Canadian investment community as the president of Selective Asset Management Inc. He previously held positions as Vice President and Portfolio Manager at First Asset Investment Management Inc., RBC Global Investment Management Inc.
and RBC Dominion Securities Investment Management Inc. While with the Royal Bank Group, he managed approximately $2.25 billion in the Canadian high technology sector for Royal Bank’s Canadian Equity Mutual Funds. Bob is a CFA charter holder and a member of the Canadian Society of Technical Analysts. He provides regular market commentary on BNN Bloomberg TV, CBC Business News, CP 24, and has been featured in The Globe and Mail Report on Business Magazine, The Financial Post, Canadian Business Magazine, Les Affaires, Investment Executive, Bloomberg, Dow Jones, Reuters and other business related media.
David Chapman, CIM, BA
Chief Strategist
Mr. Chapman will report on global economic and related market events to help guide the firm’s asset allocation strategies for both institutional and individual investors.
For more than 40 years David Chapman has held senior analyst positions in the financial services industry including Chief Economist and in sectors including foreign exchange, corporate finance and equity financing, global banking and central banking systems, technical analysis of North American equity, bond, derivative and gold markets.
Mr. Chapman’s weekly newsletter, the Technical Scoop, has generated a wide loyal international following for more than 21 years and is now distributed by Enriched Investing™. Mr. Chapman is a graduate Canadian Investment Manager (CIM), and a technical analyst.
David Ratcliffe, B.Sc., MBA, CFA
Director
David Ratcliffe’s 25 years experience in the investment industry includes running the portfolio management division, Darier Hentsch Canada, and at Swiss Bank Corp. Canada (now UBS Canada). He has been president and an owner of FirmInvest Asset Management Canada Inc. and Hottinger Asset Management Canada for sixteen years.
Mr. Ratcliffe has a Bachelor of Science degree along with a Masters of Business Administration from the Ivey School of Business (University of Western Ontario) and is a Chartered Financial Analyst. Along with his many years experience in Canadian and US markets he has also spent time working in Europe giving him a broad base of exposure to North American and European markets.
i Private Ownership, Independent Structure
Enriched Investing Incorporated, founded in 1989, is a privately owned corporation, managed by its majority shareholders. Our business is founded on sound ethical principles and strict regulatory compliance and we adopt a strategy for success that is consistent with the prosperity and well-being of our clients.
ii Focus on Investment Management
Our daily activities converge on our core competency – conservatively managing assets for our valued clients. We are free from any influence from investment banking, sales quotas or outside shareholders, all investment decisions are made solely upon the best interests of our clients.
iii Management’s Deep Experience
The challenge of creating and implementing a successful retirement plan is made abundantly easier when working with trusted and competent professionals. Each member of our management staff has deep training and long experience in the business of accessing the capital markets for retirement planning, creating trust accounts or managing inheritances.
iv Our Culture
At Enriched Investing™ we value clarity and integrity. Our unique performance is the product of the straightforward, unvarnished way we conduct our business and relate to our clients. Our third party custodial and administrative relationships are of high institutional quality for your benefit and ours.