The CM Group's Free Lunch

The CM Group is a wealth management group that has been working with investors since 1985. We are deeply rooted in an evidence-based investment strategy, focusing on asset allocation and proper diversification so that you can get the most out of your free lunch.

At the core of our investment philosophy, you will find these principles:
-Markets Are Efficient and Work over Time
-Successful Investing Results from a Long-Term Disciplined Approach
-Fear and Greed Degrade Portfolio Returns
-Costs Make a Difference
-Portfolio Diversification Reduces Risk

Join us on the Free Lunch as we discuss educational content on investing, savings strategies, financial planning, and all of things that are important that require planning, money and time.

Recent Episodes

Bank runs explained

March 22, 2023

In today’s episode Greg and Colin discuss the recent collapse of Silicon Valley Bank. What is a bank run and how does a bank run work? Listen in to find out more and enjoy the show!

Hunting Hawks & Doves

March 15, 2023

In today’s episode Greg and Colin talk about the hawkish tone of the US Federal Reserve. What does that mean? What are the consequences? Listen in to find out more.

To pay (down debt) or not to pay.

March 8, 2023

In today’s episode Greg and Colin look to answer a common question. Should you be paying down debt or investing? Listen in to find out more and enjoy the show!

Starting Early…

March 1, 2023

In today’s Free Lunch podcast, Greg and Colin discuss the benefits of planning from an early age, specifically career planning. Listen in to find out more and enjoy the show!

Bedrooms & Bank Accounts

Feb. 22, 2023

In today’s Free Lunch podcast, Greg and Colin talk about over coming power struggles when it comes to your finances and relationships. Listen in to find out more and enjoy the show!

Guess who’s back…60/40!

Feb. 15, 2023

In today’s episode Greg and Colin discuss the re-birth of the 60/40 portfolio and the impact of the bond market. Listen in to find out more and enjoy the show!

Recent Blog Posts


What impact could using this contribution room have on your retirement? Depending on your objectives and personal situation, what scenarios could be poss…

2023 Reset!

We are making progress, progress towards a better future. Well, the word for 2022 going into 2023 is “reset”. With a market and economic cycles reset, th…

Having the Courage to Stay Invested

Questions we are receiving these days are focused on recessions, stock versus bond returns, inflation, and global macro events. Stock and bond markets …

About the Hosts

Colin AndrewsProfile Photo

Colin Andrews

Sr. Wealth Advisor, Sr. Portfolio Manager

Colin Andrews is a Portfolio Manager and operates as the business leader for The CM Group. He is a dedicated believer in a long-term approach to building and protecting wealth, offering high net worth individuals and their families investment advice since 1999. Colin holds both the Chartered Investment Manager designation (CIM) and Fellow of the Canadian Securities Institute (FCSI). The recipient of innumerable performance recognition awards, Colin has been both nominated and named advisor of the year by a leading brokerage firm.

Originally from Saskatoon, Colin studied economics at the University of Saskatchewan and completed his MBA in Leadership at Royal Roads University in Victoria. Colin believes in the importance of life-long learning and enjoys spending time pursuing educational activities.

When not at the office Colin enjoys spending time with his wife Leanna and their children Kaelan and Ava. Spending time as a family getting out to the mountains in the summer and being at a cold hockey rink or basketball court in the winter.

If you asked Colin he might tell you that he has too many interests- working on Spanish, learning how to play a guitar, golfing and biking in the summer, and playing hockey and skiing in the winter.

Steven MolinaProfile Photo

Steven Molina

Sr. Wealth Advisor, Associate Portfolio Manager

Steven Molina is an Investment Advisor with the CM Group. He joined the team in 1998 and holds the Chartered Investment Manager (CIM) designation.

Conservative and consultative, he has provided a large and growing contingent of CM Group clients with financial advice and investment counsel based on an acute understanding of their immediate and long-term objectives and needs. Above all, Steven recognizes that an individual’s financial expectations and requirements vary throughout life and that, inevitably, wealth goals evolve over time.

In his downtime, Steven enjoys spending time with his wife Ann and his children Braydon, Nicholas, Matthew and Ava. He likes to stay active and is focused on living a healthy lifestyle.

Greg KraminskyProfile Photo

Greg Kraminsky

Sr. Wealth Advisor, Portfolio Manager

Greg Kraminsky is a Portfolio Manager with the CM Group, and is the senior member of our team. Greg holds an M.Sc. from the University of Alberta, and has been working with individual and corporate clients to create a positive investment experience since 1996. Greg’s background in science has led him to an evidence-based approach to the Wealth Management process, which drives planning and investing decisions based on data and factual information rather than emotions and speculation. Greg’s objective is to help our clients achieve their financial goals with peace of mind.

Outside of the office Greg spends his time with his wife Ellen and children Mikaela, Gabriel and Aaliyah, not to mention a menagerie of furry friends.

Blair HowellProfile Photo

Blair Howell

Sr. Wealth Advisor, Associate Portfolio Manager

Blair Howell joined the CM group in 2017, bringing 15 years of experience in the financial industry to our clients. He takes pride in his ability to ascertain our clients’ deepest values, building on them to better meet their unique — and often complex — financial objectives. Blair is a graduate of the University of Calgary and holds both the Certified Financial Planning and the Chartered Investment Manager designation.

Blair works hard to provide the very best service for our clients. His purpose is to keep our clients’ financial goals on track. He is skilled at relating genuinely to people of vastly different backgrounds and experiences. Blair focuses on supporting clients in working toward their dreams by assessing, monitoring and refining their financial plan as their lives — and goals — evolve.

In his free time, you will find Blair coaching hockey or soccer or driving from one kid’s activity to another. When not volunteering, he enjoys playing hockey or heading out to the golf course, always entertaining his teammates and friends with witty banter and a well-timed joke. An ideal day for Blair is spent at a lake or hiking with his wife Laura and their two children Avery and Parker.