Emmanuel takes great pleasure in providing his clients with a distinctive wealth management experience that separates itself based on client care, customer service, and diligent analysis. His ultimate goal is to ensure his clients feel well looked after in every financial department; whether that be their portfolio returns, their financial plan, their banking services, their online experience, and so on. Emmanuel's advice is aimed at enhancing net worth, reducing taxes, and providing peace of mind that the right strategies and right professionals are in place, working for his clients.
Emmanuel has extensive experience helping individuals, families, business owners, and retirees in creating a customized wealth management plan, built for long term success and risk management.
A firm believer in ongoing education, Emmanuel is both a Chartered Investment Manager (CIM) and a Certified Financial Planner (CFP). This gives him the experience and expertise to advise on a client's total financial situation. Emmanuel first entered the financial services industry in 2015, as a futures and derivatives trader with RBC Dominion Securities. Through the process of helping clients navigate these sophisticated markets, Emmanuel generated a deep passion for helping individuals and their families plan and invest effectively and responsibly.
In his spare time, Emmanuel enjoys cottaging on Crystal Lake with his wife, Rebecca, and their two Golden's, Hudson and Levi. He is also an avid fan of basketball and football.
"There is only one way to maximize the extent to which we are earning the trust of the people we encounter professionally. It is, of course, to be totally trustworthy - forthright, candid, and transparent. The only thing for us to do is to tell the absolute, unvarnished truth all the time."
Zain is a Chartered Professional Accountant (CPA) and Certified Financial Planner (CFP). He has completed the Chartered Professional Accountants of Canada’s In-Depth Tax Course and holds an Honours Bachelor of Commerce degree from the Smith School of Business at Queen’s University (major in Accounting). In his previous role as a Senior Tax Manager at one of the global major accounting firms, Zain specialized in providing tax planning and compliance services to high net worth individuals, private businesses, estates, trusts and partnerships.
Specialized financial planning
At RBC, we recognize that with greater financial resources, comes greater financial complexity. To help you properly coordinate your financial matters and optimize the unique opportunities available to you, we are pleased to offer you our highest level of financial planning. Personally prepared by Zain, a Financial Planning Specialist, your comprehensive Financial Plan will provide recommendations specific to your situation. Your plan will consider strategies to maximize your cash flow, reduce taxes, ensure your retirement lifestyle, protect your financial security, transfer wealth to your next generation taxefficiently and make the most of your philanthropic legacy. In appreciation of your business, your advisor is pleased to offer this service to you on a complimentary basis.
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.
As a Business Owner Specialist, High Net Worth Planning Services, Prashant, together with your primary RBC advisor, helps you explore succession, tax, retirement and estate planning issues you face as a business owner.
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 business owners, executives, 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
Barrington Grey, CFP, CLU, FEA
Vice-President & Estate Planning Specialist, RBC Wealth Management Financial Services Inc.
After four years with a leading life insurer, Barrington joined RBC in 1993 to help RBC advisors introduce their clients to a new strategy to build and protect their wealth: tax-exempt insurance. Since then, clients, along with their tax and legal advisors, have come to rely on his expertise and advice as a recognized specialist on insurance-based wealth enhancement and protection.
Barrington is an accredited Certified Financial Planner, Chartered Life Underwriter and Family Enterprise Advisor. He is also a member of CALU, the Conference for Advanced Life Underwriting which mandates interests specific to advanced financial planning issues related to estate planning and corporate-owned life insurance, to name a few.
Always willing to contribute to the insurance community, Barrington is regularly called upon as a featured speaker at national conferences held by life insurers and affiliated industry associations.
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
Miranda brings over twelve years of extensive banking and lending experience to RBC Private Banking; including international experience in RBC's wealth management operations in London, Jersey and the Channel Islands. As a trusted partner, Miranda's goal is to deliver unparalleled service, provide tailored financial advice, and build lasting relationships based on trust and a thorough understanding of our clients' unique needs.
In addition to providing wealth management solutions which include credit, cash management, and convenient day-to day banking, Miranda also leverages dedicated wealth management experts such as Will & Estate consultants, Lawyers, Tax Specialists and Accountants. Miranda's collaborative approach ensures RBC is able to provide a comprehensive wealth plan that addresses our client's needs today and into the future.
In addition to English, Miranda also speaks Cantonese and Mandarin. Miranda started her journey at RBC after completing her Bachelor of Commerce from the University of Toronto and an MBA from Ryerson University. She has since held a series of more senior roles in the bank including experience in Commercial Banking and Commercial Group Risk Management. She is a CFA charterholder and also has a Masters of Quantitative Finance from the Rotman School of Management. In her spare time, Miranda is an avid shoe collector and yoga enthusiast.
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.