AK Arjun Karwal

Clarity, strategy, and stewardship for your financial future.

I'm Arjun Karwal — a wealth specialist in Edmonton. I help families and business owners open the right accounts — TFSAs, RRSPs, RESPs, FHSAs, and more — and then take the day-to-day off their hands, building and rebalancing each portfolio as markets and life change. The idea is simple: your money working steadily toward your goals, without you having to watch it.

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01About

Numbers only matter when they mean something to the person behind them.

I've spent my career at the intersection of finance and people — as a financial advisor at Scotiabank, a personal banker leading branch operations at BMO, and an accounting technician managing full-cycle books for mid- and large-size companies. Today, as a Wealth Specialist at Innovation Wealth, I help clients across Edmonton build plans that fit their real lives.

My foundation is a Bachelor of Business Administration and a deep fluency in financial modelling, risk management, and data analytics. But the work I care about is simpler than any spreadsheet: helping a family open their first RESP, guiding a business owner through a plan, and giving people the clarity to make confident decisions with their money.

02Practice

Two roles, one discipline — sound financial stewardship.

Wealth Specialist

Innovation Wealth ↗

Backed by Aviso Wealth and Qtrade, I help clients open and structure the accounts that build long-term security — RESPs for a child's education, FHSAs for a first home, RRSPs and TFSAs for retirement and growth, and RDSPs for family members living with a disability. From there I manage the portfolios day to day — maximizing government grants, rebalancing as markets move, and keeping every plan matched to each client's goals and risk appetite, so they don't have to watch the markets themselves.

  • Financial, retirement & estate planning
  • Registered accounts — RESP, RRSP, TFSA, FHSA, RDSP
  • Managed & self-directed portfolios
  • Government grant maximization (CESG, CDSG)

Technical Consultant

AM IT ↗

Finance and operations partner to AM IT, a technology services practice delivering automation, security, and managed infrastructure to small businesses. I bring the financial rigour — budgeting, forecasting, and business planning — that keeps a growing venture on solid ground.

  • Budgeting & forecasting
  • Financial modelling & reporting
  • Business & pricing strategy
  • Operations & client development

03Track Record

A career measured in outcomes.

$50M+ In client portfolios overseen at Innovation Wealth
$1M+ Individual client portfolios managed at BMO
18% Portfolio performance improvement at Scotiabank
64% Reduction in tax-filing errors through process redesign

04Experience

The path so far.

  1. Present

    Wealth Specialist

    Innovation Wealth — Edmonton, AB

    Financial, retirement, and investment planning; registered accounts and portfolio strategy for families and business owners.

    Maximizes RESP education grants (CESG) and matches each client to Aviso-managed or self-directed Qtrade portfolios.

  2. Present

    Technical Consultant

    AM IT — Edmonton, AB

    Finance and operations partner to a technology services practice — budgeting, forecasting, and business strategy.

    Builds financial models and pricing structures, supporting the venture's growth toward incorporation.

  3. 2024 — Present

    Co-Owner · Finance & Client Development

    Flymo Media Solutions — Edmonton, AB

    Full-cycle operations, budgeting, and financial planning; led client acquisition and coordinated project logistics end to end.

    Owns invoicing, AP/AR, and QuickBooks reporting while leading branding and digital presence.

  4. 2023 — 2024

    Accounting Technician · Financial Reporting & Compliance

    Kingston Ross Pasnak LLP

    Full-cycle bookkeeping for mid-to-large companies; automated reporting with Power BI (−40% time); led GST, T4, and T5 filings under IFRS/GAAP.

    Prepared year-end financial statements and trained two junior accountants on tax preparation.

  5. 2022 — 2023

    Personal Banker & Branch Operations Lead

    Bank of Montreal — Edmonton Main Branch

    Managed client portfolios exceeding $1M; financial planning, lending, and wealth strategies. Quarterly Spotlight Award, +30% over target.

    Ran full branch operations for a month in the manager's absence, ensuring regulatory compliance.

  6. 2021 — 2022

    Financial Advisor · Investment & Risk Planning

    Scotiabank — Southgate

    Advised clients on investments, mortgages, and credit; used Power BI to monitor portfolios and lifted performance by 18%.

    Referred qualified high-net-worth clients to Wealth Advisors for refined, specialized planning.

  7. 2016 — 2021

    Assistant Manager

    Samsung Experience Store — Southgate

    Led team operations and analytics; Power BI automation and sales insight drove a 20–30% revenue increase.

    Trained and mentored staff, consistently exceeding daily sales targets by 10%.

Expertise

Financial Planning & Analysis

Financial statements & cash-flow analysis, budgeting & forecasting, financial modelling, KPI monitoring and dashboards.

Investment & Wealth

Portfolio strategy & asset allocation, registered accounts (RESP, RRSP, TFSA), retirement and estate planning, client advisory.

Risk & Compliance

Risk assessment, credit & lending analysis, IFRS/GAAP, AML/KYC, regulatory compliance in banking and accounting.

Tools & Data

QuickBooks Online, Power BI, Tableau, Excel (pivot tables, VLOOKUP, macros, Power Query), AI-driven reporting.

Education

Bachelor of Business Administration · NAIT (2021)
Business Administration Diploma, Management · NAIT (2018)

Certifications

Canadian Investment Funds Course (2021)
QuickBooks Online Advanced Certification (2023)

05Contact

Let's build your plan together.

Whether it's your child's first RESP, an FHSA for a first home, retirement savings in an RRSP or TFSA, or an RDSP for a family member, I'll help you open the right accounts — and manage them for the long run, so your money keeps growing without demanding your attention. Reach out and let's map the clearest path forward.

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