Vice President and Financial Planning Specialist, Family Office Services, RBC Wealth Management
Coming from one of the major global accounting firms, Yat-Sze brings a broad range of experience to her role as Vice President, Financial Planning Specialist.
In her previous role, she spent many years working with private companies, high-net-worth individuals, trusts, and partnerships. Her work included tax minimization through appropriate tax planning (corporate and personal, including estate planning) as well as corporate restructuring.
Yat-Sze is a Chartered Professional Accountant (CPA, CA) and a Certified Financial Planner (CFP). She completed her Bachelor of Commerce at the University of British Columbia and has completed all three levels of the Canadian Institute of Chartered Accountants’ In-Depth Tax Course. She has also completed the Advanced Tax Course for Owner-Managed Businesses.
As a Financial Planning Specialist, Yat-Sze’s role is to work with and support your advisor in preparing and presenting your Compass Financial Plan and to identify and assess any related financial and tax planning concerns you might have.
Financial Planning Specialist, Family Office Services, RBC Wealth Management
Inder is a Chartered Professional Accountant (CPA, CA), a Certified Financial Planner professional, and has completed the CPA In-Depth Tax Course. She holds a Bachelor of Science and a Diploma in Accounting from the University
of British Columbia. Prior to joining RBC, Inder amassed over eight years of experience in public practice at two distinguished and established accounting firms. As a tax
manager she specialized in providing Canadian tax solutions to a wide range of clients and industries. Her experience includes tax planning, estate planning, and corporate reorganizations for high-net-worth families and business owners. Inder’s role is to work with and support your advisor in preparing and presenting your Compass Financial Plan and to identify and assess any related financial
planning concerns you may have.
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 Inder, 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.
Vice-President & Estate Planning Specialist, RBC Wealth Management Financial Services Inc.
Wealth on your terms.
Arne's eldest daughter has a poster on her wall. It says, "Be yourself. Everyone else is already taken." That's how Arne lives life. He hopes others feel the freedom to do so as well. That's why his core purpose is to help clients enjoy and distribute wealth on their own terms.
To help those clients make informed choices, Arne and his team make it their mission to listen, interpret, educate and coach - that insurance is an asset, not an expense, for example. Careful planning then surfaces the right solution.
Loyalty and trust are paramount. By doing the right thing, Arne and his team want to be advisors' and clients' first choice. It helps that they're renowned as highly responsive, superbly meticulous, very honest - and always trying to be better.
Melissa obtained her Bachelor of Arts degree from Simon Fraser University in 1999 and earned her Bachelor of Laws degree from the University of Victoria in 2007. She was called to the Bar in British Columbia in 2008.
Prior to joining RBC Wealth Management, Melissa practiced law in Vancouver and specialized in estate planning and estate administration as well as small business corporate and commercial matters. Melissa assisted clients with a range of estate planning matters including drafting Wills, Powers of Attorney and Representation Agreements as well as matters related to the administration of an estate, including applications for Letters Probate and Letters of Administration. Melissa also assisted clients with matters relating to a variety of corporate transactions including incorporations, corporate reorganizations, corporate financing, share and asset purchase and sale transactions as well as the drafting of various corporate commercial documents including shareholder agreements and partnership agreements.
Melissa is a member of the Canadian Bar Association Wills and Trusts Section (Vancouver).
Melissa’s role with RBC Wealth Management is to work with you and your advisor to review and/or structure your Will, estate and trust matters to ensure that your plan is organized in an effective and tax-efficient manner.
As a Senior Trust Advisor, Phylicia Rye serves clients throughout the Eastern Greater Vancouver and North Vancouver Island areas. Her focus on providing estate and trust advice and solutions to high net worth families has garnered her a strong reputation among her peers and is well known within the estate and trust industry for her ability to deal with complex issues.
Phylicia graduated from Simon Fraser University with a Bachelor of Arts (Economics). She also holds both the Personal Financial Planner (PFP) and Certified Financial Planner (CFP) designations, and the Trust and Estate Practitioner (TEP) designation. She has over 24 years of industry experience and has leveraged the necessary technical and business development skills to provide clients with the right solutions for their unique circumstances.
Phylicia works with individuals, families, and businesses providing 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, Phylicia can help.
As a Private Banker, Nicole Russell provides tailored financial planning and banking services to a select group of successful entrepreneurs, professionals, executives and their families throughout the Greater Vancouver Area. Her focus on understanding her clients' goals, aspirations and priorities enables her to provide customized advice and wealth management solutions that cover estate planning, credit, cash management and convenient day-to-day banking offerings. She strives to cultivate trusted relationships for the long term by collaborating with top experts from across RBC to implement intergenerational wealth plans, ensuring financial goals are for met today and in the future.
Ms. Russell brings over a decade of professional experience in both personal and business banking. Prior to taking on the role of Private Banker, Ms. Russell spent several years providing credit advice to some of the wealthiest RBC Private Banking clients in Western Canada. This included working with complex family and business structures to implement specialized credit solutions that accommodated unique financial objectives and tax considerations. Before specializing in lending, Ms. Russell was a trusted adviser to entrepreneurs as a Senior Business Account Manager. She helped her clients build and grow businesses by providing cash flow management recommendations and lending strategies. While assisting with business solutions, she concurrently supported the entrepreneur with personal financial management advice including every day banking, saving and investing, debt management and estate planning.
RBC has recognized Ms. Russell as being a national top performer for quality of client service and financial advice which has earned her an invitation to attend RBC's coveted annual convention three times in the past five years.
Nicole holds a Personal Financial Planning (PFP®) designation and a Diploma with Distinction in Financial Management.
Jeremy Cruz brings more than 25 years of experience in financial services. As a dedicated relationship manager, Mr. Cruz and his team provide personalized, discreet financial counsel to high-net-worth business owners, entrepreneurs, professionals, and their families throughout the Greater Vancouver Area.
Mr. Cruz’s clients' have access to sophisticated banking, personalized short and long-term credit solutions and flexible cash management. Depending on his clients' needs, these services may include estate planning, domestic and international trusts, financial planning and discretionary & non-discretionary investing. Mr. Cruz draws on the expertise of a broad group of specialist across RBC and works closely with other professionals, such as lawyers and accountants, to ensure that RBC's capabilities are fully aligned with his clients’ needs.
Prior to joining Private Banking, Mr. Cruz was an Investment Advisor with RBC Dominion Securities, and has extensive experience as a Commercial Account Manager. During his time in these advisory roles, he helped clients navigate the complexities of wealth management strategies, developed an expertise with investment management, and creating credit and banking solutions for both personal and business owner clients. Mr. Cruz has held a succession of roles in the branch and retail network including, Account Manager for Small Medium Enterprise, Senior Business Advisor, and Financial Advisor.
Mr. Cruz holds a Bachelor of Arts in Psychology with Business minor from the University of Calgary. Outside of the office he is an avid tennis player and enjoys running, staying active with his son, and spending time with his family.
As a Premier Banking Advisor for Vancouver, Bonnie Tang 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 more than 21 years of experience in financial services with RBC, Bonnie is respected by her clients, her peers and the industry, and has received top performer recognition. Bonnie is committed to giving back to her community and acts as a volunteer member for BC Children Hospital (BCCH) and Growing Chefs. She also supports the United Way annual fund raising campaign.
Born and raised in China, Bonnie migrated to Canada in 2000. She received her Bachelor of Business Administration, major in Accounting from the University of Macau, China.
Bonnie currently resides in the Vancouver area with her husband and son. When she is not hard at work for her clients, Bonnie enjoys yoga, cooking, baking and traveling overseas. She is also a fan of horror movies. Bonnie speaks fluent English, Cantonese and Mandarin.
As a Premier Banking Advisor for North, West and Downtown Vancouver, Farnaz Boroumandi works as a single point of contact, providing banking and credit solutions for select clients of Wealth Management Canada . 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, Farnaz is respected by her clients, her peers and the industry, and has received top performer recognition. Farnaz is committed to giving back to her community and acts as a volunteer member for BC Children Hospital (BCCH). She also supports the United Way annual fund-raising campaign.
Born and raised in Iran, Farnaz settled in Canada in 2014. Farnaz holds a Bachelor of Arts Degree, major in English literature.
Farnaz currently resides in the North Vancouver area with her husband. When she is not hard at work for her clients, Farnaz enjoys playing Piano. She also enjoys traveling and learning about different cultures. Farnaz speaks fluent English, French and Persian.
Fiona has 15 years of experience in the financial services industry. She holds the Certified Financial Planner designation from FP Canada and the Chartered Investment Manager designation from the Canadian Securities Institute. Fiona
earned her Bachelor of Commerce degree, specializing in Finance and Economics from the Sauder School of Business at University of British Columbia. Prior to joining RBC Family Office Services, Fiona worked as part of a discretionary investment management team at RBC Dominion Securities.
Her experience includes providing comprehensive financial advice to clients on investment strategies, retirement planning, tax planning and estate planning. Fiona also volunteers as a certification exam marker for FP Canada, contributing to the development of future financial professionals.
Customized wealth planning for your financial future
At RBC, we recognize that with greater financial resources comes greater financial complexity. Wealth planning is an essential part of keeping your finances on track and working towards your goals. To help you properly coordinate your financial matters and optimize the unique opportunities
available to you, we are pleased to offer a customized plan delivering a holistic view of your evolving wealth management needs and track progress towards meeting your future financial goals. Personally prepared by Fiona Fung, a Financial Planning Consultant, your customized plan will provide a complete
view of your goals, priorities, and solutions – developing valuable insights into how to reach short- and long-term goals. Your plan will consider such strategies to reduce taxes, ensure your retirement lifestyle, and protect your financial security. In appreciation of your business, your advisor is pleased to offer this service to you on a complimentary basis.
