Raphael Mlynarski is finance, travel, and marketing expert.

He has a finance degree from the University of Alberta, has been an index fund investor since age 18, and was a millionaire by age 30.

Raphael owns and operates Altivine Technology Inc, a marketing agency focused on providing websites and digital solutions to organizations in the aviation industry.

He was an early cryptocurrency investor and adopter, having become involved in the technology in 2014.

He is a former air cadet, earning both his glider pilot and private pilot licenses through scholarships in the program.

He has travelled to over 30 countries, and is an avid proponent of using loyalty programs, miles & points, and credit cards to elevate travel experiences.

As a university student, Raphael was selected multiple times to represent the University of Alberta School of Business in case competitions across Canada and internationally.

Following graduation, he decided to go into business for himself and started multiple companies. One of them, called SGS Cellular, was featured in an article by CBC for its outstanding work helping people save money on their cell phone plans.

Along the way, Raphael embraced the role finance played in his journey. He is passionate about the FIRE movement (Financial Independence, Retire Early) and shares his knowledge on his Youtube and Instagram accounts.

Raphael shares his knowledge with others to helping people get closer to retirement and strengthen their overall financial position.

Raphael lives in Edmonton, Alberta, Canada with his partner.