Extended Team

You’re the biggest beneficiary.

Colin Ardill stays humble. Even so, he’s not shy about being a man on a mission: to overturn 150 years of misunderstanding about life insurance, one day at a time.

Most Canadians see only one dimension to life insurance: that it’s of no use to the living. But Colin sees it in three dimensions. There is the death benefit that everyone can see – but life insurance also provides tax-exempt growth, and it allows the holder to spend more money in retirement than they otherwise could. Says Colin: “The person buying the policy is going to be the biggest beneficiary.”

Colin has been in the estate planning business for over 15 years. His core purpose – the heart of everything he does – is to leave everyone he meets better off.

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.

As a Will and Estate Advisor for the Central Canada Region, Malvin Seto brings an approach to estate planning centered on understanding and addressing the unique situation of each client. He works collaboratively with clients and their trusted advisors to help craft a comprehensive, effective estate plan that meets their particular needs. A graduate of the Queen’s University Faculty of Law with a Juris Doctor degree, and with legal practice experience in estate litigation, Malvin has continued to deepen his industry knowledge and expertise including as an affiliate member of STEP Canada. Whether clients hope to protect a disabled heir, incorporate succession planning for their business, address the complex concerns arising from second spouses and blended families, minimize family conflicts, or deal with beneficiaries or assets that are situated outside of Canada, Malvin can help craft a tailored estate plan that meets their individual needs. The combination of his professional expertise and his commitment to providing practical solutions make Malvin an invaluable resource for both clients and their financial advisors.

Working directly with you, your HR department or your payroll personnel, Liz will build a tailored solution that meets the goals and objectives of your organization as well as the needs of your employees. Once Liz understands your specific requirements to customize your company’s Group Savings and Group Banking program solution, she will support and guide you through the development and implementation process.

With RBC Group Advantage, we will be there every step of the way to ensure your company maximizes its benefits while also streamlining the administration of your plan.

With 35 years of experience within the financial services industry, and her Retirement Plans Associate (RPA) designation., Liz brings the expertise required to provide specialized advice that will optimize the benefits to you and your employees.