RBC Partners

A dedicated and passionate Advisor, Jacqueline has acquired an enhanced comprehension of financial products through her 13 years of experience in the Financial Industry. Jacqueline has developed a strong understanding on establishing effective relationships with high net worth clients, key advisors and internal partners to her position as Premier Banking Advisor at RBC Wealth Management.

Jacqueline joined RBC Wealth management as a Financial Advisor. She is responsible for delivering customized banking solutions from an exclusive Private Banking suite for clients and their households which are tailored specific to each individual need. Connecting with clients is a core strength; has ability to pivot based on clients comfort level with digital platforms.

Consistently and diligently connecting through digital enablement she has a proven capability in providing exceptional relationship management with enhanced level of service and has proven to be of great value to the RBC Wealth Management team.

Prior to joining Royal Bank of Canada, Jacqueline's career began in banking at a major financial institution providing high-level ongoing support to Managing Directors, Principal Financial Advisors, Senior Associates while maintaining client relationships in the Private Wealth sector. Jacqueline also possesses a Bachelor of Arts in Social Science/B Comm, graduating from York University and a Specialized Business Diploma from Seneca College. She also holds professional designations; Personal Financial Services Advice and Applied Financial Planning.

Naturally competitive, Jacqueline enjoys being active by playing Soccer, Golf and Softball. As a high energy enthusiast she enjoys Art, Theater and all things creative. She is inspired by her two young children and enjoys bringing them on adventures and discovering new things. Having lived abroad, she frequently travels and enjoys learning/experiencing new cultures.

Karen is a Chartered Professional Accountant (CPA) and Certified Financial Planner (CFP). She obtained her Bachelor of Mathematics and Master of Accounting degrees from the University of Waterloo and has completed the CPA Canada In-Depth Tax course.

Prior to joining RBC, Karen worked at a leading global accounting firm where she specialized in providing tax advisory services for high-net-worth individuals and private company business owners. She has many years of experience helping clients navigate through personal and corporate tax issues as well as trust and estate planning.

Karen’s role is to work with and support your advisor in preparing and presenting your comprehensive Compass Financial Plan and to identify and assess any related financial planning concerns you may have.

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 Karen Zhang, 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 tax-efficiently 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.

Connie obtained a Bachelor of Arts degree from the University of Toronto and a Bachelor of Laws degree from Osgoode Hall Law School. She was called to the Bar of Ontario in 1994.

Prior to joining RBC in 2012, Connie practised law for 18 years. As a partner in a mid-sized full-service law firm, her practice was varied and covered the areas of corporate/commercial law, real estate, and Wills, trusts and estates law. In that role, Connie advised her owner-manager clients on a broad range of business and personal needs, from purchases and sales of businesses, to shareholder agreements and corporate reorganizations, to Will and estate planning.

For many years Connie taught the Business Law section of the Bar Admissions Course and was involved with preparing the licensing exams for Ontario lawyers. Throughout her career, Connie has been involved in her broader community, serving on many non-profit boards as well as providing pro bono legal services.

As a Will & Estate Consultant, Carol Dalgado provides comprehensive estate planning services to clients.

Carol graduated from the University of Toronto with a Bachelor of Arts degree. She obtained her Bachelor of Laws degree from the University of Western Ontario and went on to obtain her Master of Laws (Trusts) degree from Osgoode Hall Law School. She holds the designation of TEP (Trust and Estate Practitioner) from the Society of Trust and Estate Practitioners (STEP). She is a member of the Law Society of Ontario, the Estate Planning Council (Toronto), the Estate Practitioners’ Group and STEP.

Carol has held various roles within the estate and trust industry in which she has provided guidance on estate, trust and incapacity planning, administration and litigation issues. Carol worked in private practice for over ten years before joining RBC Wealth Management in 2015.

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.

It's yours. It is your life, your family, your business, your legacy. With that in mind, Annett's core belief is to "Appreciate the little things in life." This allows her to connect to what matters most for each client and their unique situation.

Collaborating with client's trusted advisors, Annett works with affluent families, professionals and business owners to implement tax efficient strategies that help to achieve their wealth management objectives. Her ability to simplify the complexity of these solutions bring clients understanding and peace of mind that the recommendations will help them achieve their goals.

For over 20 years, Annett has specialized in estate planning within the financial industry, where her reputation of working relentlessly and endlessly on behalf of clients has made her a sought after advisor. Her natural ability to build trust and earn respect is part of the personal warmth she brings to her work. After all, it is your life, your family, your business, your legacy.

RBC Private Insurance offers customized protection on high-value homes, vehicles, watercrafts, collections, and more.

As a Private Client Insurance Specialist, Melissa will conduct a Personal Risk Assessment to provide holistic advice. She will work closely with you to customize your High Net Worth coverage to your unique needs and lifestyle.

Prior to joining RBC Private Insurance, Melissa worked with the RBC Insurance retail division for over a decade. Her main focus was to offer a superior client experience whilst matching her client needs with protection of assets. This led her to winning many accolades including the coveted RBC Insurance President’s Club medal.

Melissa holds the prestigious Chartered Insurance Professional (CIP)Designation which is the benchmark of insurance professionalism from the Insurance Institute of Canada.

Michael has been in the Wealth Management Industry since 1997 where his primary area of focus has been in investment advisory and wealth advisory services. Michael joined RBC Wealth Management in 2020 as Vice President, Private Wealth Consultant; a role in which he will support advisors and fellow professionals in engaging enterprising families in broader discussions with respect to their family, their businesses and their wealth.

Prior to joining RBC Wealth Management Michael held several progressive roles at other financial institutions. Michael was the former Head of HNW Wealth Planning Services at another Canadian financial institution where he was involved in the development of: financial planning software, a HNW service delivery model, specialized planning services including the introduction of business advisory and cross border wealth planning.

Michael’s experience in conjunction with his completion of many industry leading designations suit him well as he helps initiate client discussions on family governance, family business succession, and legacy. Michael is dedicated to working as part of a multidisciplinary team guiding enterprising families to greater success.

Michael is committed to ongoing personal and professional development and is a continuous lifelong learner. Michael’s greatest skill comes in his ability to listen and work effectively with his peers at any level.

As a Business Owner Specialist, High Net Worth Planning Services, Bobby, together with your primary RBC advisor, helps you explore succession, tax, retirement and estate planning issues you face as a business owner.

Bobby has over 15 years of experience working with owners of privately held businesses to help them develop business succession, tax and estate planning solutions tailored to their goals and objectives. Prior to joining High Net Worth Planning Services, Bobby provided tax, retirement, estate and financial planning advice to RBC advisors and their clients. He has written articles on various topics including determining the value of a business, farm succession planning, tax planning and retirement planning.

Prior to joining RBC, Bobby was a Vice President at a boutique business valuation firm in Toronto where he worked with business owners to help them determine the value of their business for divestitures, litigation, tax and estate planning purposes. He also worked with owners to help them identify the value drivers of their business.

Bobby is a Chartered Business Valuator, a Chartered Professional Accountant and has a Bachelor of Commerce degree from the University of Toronto. He has also completed all three levels of the CPA In-Depth Tax Course.