Clayton Smith earned a BA from The Royal Military College and served as a Captain in the Infantry for five years before entering the financial industry in 1994. After becoming a Chartered Financial Planner and building a successful financial planning business, Clayton established Crystal Wealth in 1998. He completed Level I of the Chartered Financial Analyst program in 1998 and holds the Chartered Alternative Investment Analyst certification. He created and managed Crystal’s retail mutual funds until they were sold to Co-operators in 2002. Currently, he is the lead portfolio manager on the following mutual funds: Onefund Diversified Plus, ESI Managed Portfolio, Oakstreet Income Fund, Peer Diversified Mortgage Fund, IFM Monitored World Equity and Crystal Enhanced Mortgage Fund.

Scott Whale has been with Crystal Wealth since March 2004. Prior to his employment with Crystal, he accumulated over 20 years of business experience with Canada's largest rail car leasing company in the diverse areas of finance, marketing and sales. He has successfully completed the Canadian Securities Course and achieved the Canadian Investment Management (CIM) designation and is working towards his Associate Portfolio Manager license.