Susannah Musselman, CPA, CA, CMA
Vice-President & Financial Planning Specialist, RBC Wealth Management Canada
Susannah is a Chartered Accountant, Certified Management Accountant and Certified Financial Planner. She graduated with a Bachelor of Arts from the University of Waterloo, specializing in Chartered Accountancy.
Prior to joining RBC, Susannah provided comprehensive financial planning guidance and advice to executives, business owners, professionals and high net worth families. Susannah uses a holistic approach to helping clients address all areas of their financial planning.
Susannah’s role is to work with and support your Investment Advisor in preparing and presenting comprehensive Compass Financial Plans.
Mouyleng (Mou) Ly is a Chartered Accountant and a Certified Financial Planner. Mou obtained her Bachelor of Commerce degree from the University of Ottawa. She has completed the CICA In-Depth Tax course and is a member of The Society of Trust & Estate Practitioners (Canada) and the Canadian Tax Foundation.
Prior to joining RBC in 2011, Mou provided professional services to individuals and their owner-managed entities, specializing in personal and corporate tax, estate and financial planning.
Mou’s role is to work with and support your advisor in preparing and presenting comprehensive Compass Financial Plans.
Kelly received her law degree from the University of Western Ontario in 1993 and was called to the bar in 1995.
She practised in the areas of litigation, family law and estate planning at a law firm until joining a major trust company in 1996, where she worked in a variety of roles involving estate administration and planning. Kelly joined RBC Dominion Securities in 2003.
Kelly received her Certified Financial Planning (CFP) designation in 1998 and is a member of the Society of Trust and Estate Practitioners (STEP) as well as the Law Society of Upper Canada. She has completed Parts I and II of the CICA in-depth tax course.
Kelly’s significant practical experience in the estate planning and administration field, coupled with her financial planning expertise, allows her to offer guidance on both the tax and personal implications of your estate plan.
Prashant has assisted high-net-worth and ultra-high-net-worth families with tax, estate and retirement issues since 1992.
His guidance supports clients in their relationships with their external professional advisors, with whom he frequently interacts.
His expertise includes tax and estate planning for executives, business owners, retirees, sports professionals and individuals with U.S. issues. He also assists individuals facing significant financial events (sale of business, financial windfall, retirement, job loss, moving to Canada, leaving Canada, etc.)
Prior to joining RBC in 1999, Prashant honed his expertise by working as a Canadian and U.S. tax specialist for two of the big four accounting firms in downtown Toronto.
Prashant is a Certified Financial Planner, Associate of the Society of Actuaries and member of both the Society of Trust and Estate Practitioners and Canadian Tax Foundation.
Abby Kassar, CPA, CA, CFP®, TEP
Vice-President, High Net Worth Planning Services, RBC Wealth Management
Abby specializes in tax and estate planning for high-net-worth and ultra-high-net-worth families.
Her guidance supports clients in their relationships with their external professional advisors, with whom she frequently interacts.
Prior to joining High Net Worth Planning Services, Abby provided tax, retirement, estate and financial planning advice to RBC advisors and their clients. She has written articles on various topics including charitable donations, executive compensation, tax planning and retirement planning.
Prior to joining RBC, Abby worked in a medium sized accounting firm assisting business executives and high net worth clients with their tax planning and estate planning. She worked closely with owner-manager shareholders to assess and recommend the best tax planning strategies, the best corporate structure and the most suitable succession plan.
Abby is a Chartered Accountant and has a Bachelor in Economics and Commerce from the University of Toronto. She completed the In-Depth tax courses I and II and the Canadian Securities Course. She is also a Registered Trust and Estate Practitioner (TEP) with the Society of Trust and Estate Practitioners (STEP) and has obtained the STEP Advanced Certificate in Family Business Advising. Abby is also a Certified Financial Planner (CFP).
Murray Shapiro, BA, LL.B, TEP
Vice-President, High Net Worth Planning Services, RBC Wealth Management
Murray has been providing advice and technical support in relation to high-net-worth family wealth planning since 1994. Conversations include scenarios to be aware of in transitioning, including the costs of transitioning, your assets to your intended heirs. Additional areas of concern may include tax, asset preservation and philanthropic planning.
Murray’s expertise encompasses both domestic and international family circumstances, and in many cases is focused on the challenges of transitioning a family business. His guidance supports clients in their relationships with their external professional advisors, with whom he frequently interacts.
Before joining RBC’s Canadian Wealth Management Services team in 2008, Murray worked with RBC’s Global Private Banking group as the senior resource in their global trust business for over 13 years.
Prior to joining RBC, Murray practised law for six years in the areas of estate and tax planning, as well as various areas of business law.
Murray was a Director of STEP Canada (Society of Trust & Estate Practitioners) from its inception until 2009, and has been a member of the International Tax Planning Association and the Canadian Tax Foundation over the years. He has been a featured speaker at Estate Planning Councils, Law Society and STEP practitioner education conferences in Canada and abroad.
Jim specializes in providing cross border tax planning. He joins RBC Wealth Management Services having recently retired from KPMG LLP after 33 years of services.
Most recently, he was a partner and the Practice Leader of KPMG’s International Executive Services (“IES”) practice in Canada, where he provided cross border tax and consulting services to employees, their employers, high net worth individuals and individuals with investments outside their home country. Jim was a member of the KPMG IES Global Steering Group which establishes strategies, policies and procedures for KPMG’s global IES practice.
Jim was also the practice leader for Global Wealth Services (“GWS”), which provides U.S. and Canadian income, trust and estate planning services to executives and high net worth individuals.
Prior to relocating to Toronto in June 1993, he worked in New York, Hong Kong and Miami where he served U.S. based clients expanding internationally and foreign-based clients from Canada, Europe, Asia and Latin America expanding into the U.S. He and his wife, Suzanne, moved to Colorado during 2014 where he continues to practice cross border tax planning.
As both a Canadian Chartered Professional Accountant and a U.S. Certified Public Accountant, Jim is uniquely prepared to provide international tax consulting services. Furthermore, having been an expatriate himself for over twenty-seven years, he is “intimately” aware of the cross border tax issues.
As a Premier Banking Advisor, Charmaine Fitzgerald provides banking and credit solutions to select high-net-worth individuals and their families. Acting as a single point of contact, she partners with Investment Advisors across the Toronto region, and provides personalized service and tailored advice to efficiently and effectively manage their day-to-day banking needs.
With 15 years of experience in financial services with RBC, Charmaine is respected by clients and industry peers, having received top performer recognition multiple times.
Charmaine is deeply committed to giving back to her community, and has volunteered with the RBC Blue Water Project, Ronald McDonald House and Out of the Cold, helping to feed the homeless at Beaches United Church.
Born in Trinidad in the West Indies and raised in Winnipeg, Charmaine holds the Managerial and Financial Leadership Diploma from the University of Winnipeg and a Registered Nursing Certificate from the Centennial College of Applied Arts.
She currently resides in Toronto with her husband and son, and when she isn’t hard at work for her clients, you’ll find her travelling, riding her bike, catching up on world news and looking for new ways to help her clients achieve their financial goals.
As a Premier Banking Advisor for Toronto, Marzena Hladowczak, works as a single point of contact, providing banking and credit solutions for select clients of Wealth Management Canada and their families. Partnering with Investment Advisors and Counsellors across the region, she provides personalized service and tailored advice to help clients save time and effectively manage their day to day banking needs.
With over 7 years of experience in financial services with RBC, Marzena has become a respected member of the banking community in which she works, and has received top performer recognition.
Born in Poland and raised in Toronto from age 14. When she isn't hard at work with her clients, you"ll find her taking part in a yoga class, indulging in literature or out in a nature hike as embracing the outdoors and being active are two of her greatest passions.
As a Senior Trust Advisor, Karen Snowdon-Steacy is responsible for managing a complex book of accounts, and services clients throughout the Greater Toronto Area. Karen works with individuals, families and businesses to provide customized estate, trust and incapacity solutions. Whether it is helping someone to settle an estate, establishing a trust to ensure the successful transfer of family assets, or arranging to assist with the administration and responsibilities for a Power of Attorney, Karen can help. Karen also has expertise and experience in advising on Philanthropic and Charitable Giving strategies for clients who wish to leave a lasting legacy.
A graduate of Victoria University at the University of Toronto specializing in history and political science, Karen has continued to deepen her knowledge and expertise with key industry designations such as Trust and Estate Practitioner (TEP). Karen is a full member of STEP.
With 25 years of experience, Karen is well known within the local Estate and Trust industry and delivers well-balanced advice by staying abreast of product, industry, investment, tax and legislative developments. With a career focused on building client relationships, she is dedicated to providing assistance in the preservation, management and transfer of wealth between generations by providing solutions to implement clients’ estate, trust and philanthropic plans.
As a Senior Trust Advisor, Manish Gosrani is responsible for managing a complex book of accounts. He works with individuals, families and businesses throughout Toronto and the GTA to provide customized estate, trust and incapacity solutions.
Whether it is helping someone to settle an estate, establishing a trust to ensure the successful transfer of family assets, or arranging to assist with the administration and responsibilities for a Power of Attorney, Manish can help.
Manish has more than 25 years of wealth management experience in Canada and the UK. He holds a Bachelor of Law degree (LL.B), is a Certified Financial Planner (CFP) and is working towards his Trust and Estate Practitioner (TEP) designation to further strengthen his industry knowledge and expertise.
Manish has a deep understanding of priorities and needs of wealth advisors and delivers well balanced advice by staying abreast of product, industry, investment, tax and legislative developments. With a career focused on building client relationships, he brings to each client the necessary skill set to provide both the technical expertise as well as the genuine understanding of the emotional complexities that underlie these issues. He is dedicated to providing assistance in the preservation, management and transfer of wealth between generations by providing solutions to implement clients’ estate, trust and philanthropic plans
As a Regional Trust Advisor, Jessie Lamont serves clients throughout the GTA, and the Grey, Simcoe and Muskoka Regions. With a career focused on client-facing roles, Jessie is dedicated to her clients and provides a personalized service tailored to their specific needs. She works effectively with executors and beneficiaries providing peace of mind knowing there is stability and continuity to the long-term relationships.
A graduate of Queen’s University Faculty of Law with a Juris Doctorate, Jessie also holds Bachelor of Arts, Honours, in History and Gender Studies jointly conferred by Dalhousie University and the University of King’s College. She has continued to deepen her knowledge and expertise with key industry designations, such as the Wills and Estates Intensive Certificate from Osgoode Professional Development, and is currently working towards her TEP Designation with the Society of Trust and Estates Practitioners (STEP). Jessie is a student member of STEP, and a member of the Canada Bar Association, the Ontario Bar Association, and Young Women in Law (YWL), for which she serves as Vice President and Director of Membership on the Board of Directors.
Jessie works with individuals, families and businesses to provide customized estate, trust and incapacity solutions. Whether it is helping someone to settle an estate, establishing a trust to ensure the successful transfer of family assets, or arranging to assist with the administration and responsibilities for a power of attorney, Jessie can help.
With more than five years of legal experience and more than three of those focused exclusively on estate, trust, and disability planning, administration, and litigation—Jessie brings to each client the necessary skills set to provide both the technical expertise and the genuine understanding of the emotional complexities that underlie these issues. Jessie understands that no two clients are the same and together with her RBC partners, she can find the solution that’s right for you.
Shirin is a Risk Assessment Insurance Specialist. Through a personalized risk assessment approach, she provides High Net Worth Home, Auto and Liability Insurance solutions to protect your wealth, possessions and lifestyle.
Shirin has over 20 years of experience in the insurance and the financial services industry, holding various roles in real estate and banking. Prior to joining RBC, she has spent the last 10 years in the High Net Worth Insurance space, most recently as a Vice President of Portfolio Management at Hub International, working with affluent families globally.
Throughout her career, she has won numerous awards as a top performer in delivering exceptional client experience. Shirin is proud to represent RBC Private Insurance. She will work with you to customize your High Net Worth coverage to your unique needs and protect you as your lifestyle and exposure change.
In her downtime, Shirin is a proud mom to a teenage boy and enjoys yoga, travelling, theatre, and wineries.
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