Building Financial Confidence Since 2019

We started Vrathex because too many Canadians felt lost trying to understand investment options.

What began in a small Fredericton office has grown into a resource thousands of people trust. But our approach hasn't changed—we still believe that informed decisions come from clear information, not confusing jargon.

Our Journey

From One Question to Thousands of Answers

Back in 2019, a friend asked me to explain RRSPs in a way that actually made sense. That conversation lasted three hours and ended with both of us realizing how unnecessarily complicated investment education had become.

So we built something different. Vrathex isn't about selling products or chasing trends. We focus on helping people understand their options through straightforward tools and resources. No pressure. No confusing charts that require a finance degree to interpret.

Over the past six years, we've worked with people at every stage—from recent graduates opening their first TFSA to retirees adjusting their portfolios. Each conversation teaches us something new about what Canadians actually need.

Investment planning session showing market analysis and portfolio review Client consultation discussing retirement savings strategy Financial planning materials and investment documentation

How We Actually Work

Three principles guide everything we do. They might sound simple, but they make a real difference in how people experience investment planning.

1

Plain Language Always

If you need a glossary to understand what we're saying, we've failed. We explain concepts using everyday examples—the kind you'd use with a friend over coffee. Financial terms get translated into real-world scenarios that actually stick.

2

Your Timeline, Not Ours

Some people want to dive deep into portfolio allocation. Others just need to know if they're on track. We adapt to how you want to learn and make decisions. No rush, no pressure to move faster than feels comfortable.

3

Education Before Action

We'd rather you understand why a strategy makes sense than just follow our advice blindly. Most of our client meetings involve more teaching than directing. When you understand the reasoning, you make better choices long-term.

The Person Behind the Platform

Vrathex isn't a faceless corporation. It's a small team led by someone who genuinely cares about making investment education accessible. And who still remembers feeling completely overwhelmed by financial planning terminology.

Portrait of Callum Thorburn, founder and lead advisor at Vrathex

Callum Thorburn

Founder & Lead Advisor

I spent the first part of my career at a traditional investment firm where I watched brilliant advisors struggle to explain concepts without using industry jargon. Clients would nod along, clearly confused, but too intimidated to ask questions.

That disconnect bothered me enough to strike out on my own in 2019. Before finance, I taught high school math—which taught me that anyone can understand complex ideas if you explain them properly. Now I combine that teaching background with fifteen years of investment experience to help Canadians feel confident about their financial decisions.

Outside of work, you'll find me hiking the trails around Fredericton or testing new bread recipes. Both require patience and attention to detail—skills that translate well to financial planning.

Ready to Start a Conversation?

We're here to answer questions, explore options, and help you figure out what makes sense for your situation. No commitments required—just honest information and practical guidance.

Get in Touch
Vrathex office workspace in Fredericton showing collaborative investment planning environment