RBC partners

Coming from one of the major global accounting firms, Chris brings a broad range of experience to his role as a Financial Planning Specialist. In his previous role as a senior tax manager, he spent many years working with private companies, high net worth individuals, trusts and partnerships. His work focused on tax minimization strategies and corporate reorganizations.

Chris is a Chartered Professional Accountant (CPA, CA), CERTIFIED FINANCIAL PLANNER® professional (CFP) and holds a Bachelor of Commerce (Honours) degree from Ontario Tech University. He has completed CPA Canada’s In-Depth

Tax Course and In-Depth Tax Issues for the Owner-Managed Business Course. Chris now shares his knowledge and experiences as Group Study Leader and Tutorial Facilitator for the In-Depth Tax Course. He is also a member of the Canadian Tax Foundation.

Chris’ 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.

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.

Andrew loves the insurance business. It’s not the products, it’s the opportunity to learn about you, your family and your life as a whole and how insurance may help you to reach your most cherished goals. That accounts for Andrew’s core purpose: to focus on people and provide the optimal solution for their unique circumstances.

Fundamentally, Andrew is an educator. He says, “If I hadn’t chosen the insurance business I would probably be a teacher. As an Estate Planning Specialist, my role is to educate clients on which situations these products are for, and how you make them work.” It is not about the sale. It’s about helping people discover an insurance solution that works for them, if any. It’s always about people, not product.

Andrew has been an Estate Planning Specialist since 1993. He lives in Toronto with his wife, daughter and their dog. An amateur boxer until 1992, he was the Ontario middleweight champion. Now he’s an avid squash player and fisherman.

Defining Wealth, Your Way

What does wealth mean to you? The word "wealth" evokes different sentiment for everyone. I work with your advisor to learn what wealth means to you. I take the time to understand your story. My personalized process involves asking the necessary questions, analyzing your situation, and applying my expertise. These steps ensure your personal financial objectives always guide my recommendations. Appreciating how you want to create, preserve, and transfer your wealth allows me to design solutions that define wealth – your way.

My commitment to ongoing education ensures my skills and expertise are among the most regarded in the industry. I hold the Certified Financial Planner (CFP) and Chartered Life Underwriter (CLU) designations. In addition, I am currently pursuing the Trust and Estate Practitioner (TEP) designation.

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.

Tracey is an integral member of the team, helping to create, preserve and increase wealth by incorporating insurance-based solutions within comprehensive financial plans.

Specializing in estate planning, Tracey applies innovative and tax-efficient solutions to a variety of wealth management issues and is skilled at simplifying their complexities. Her individualized approach to personal and corporate insurance planning help clients achieve their wealth management objectives and reach their estate and financial goals.

Beginning her financial services career in 1994, Tracey joined RBC in 2012 after spending 13 years with a leading life insurer, focused on providing insurance solutions expertise and product marketing. In addition, Tracey has obtained the Certified Financial Planner (CFP) and Chartered Life Underwriter (CLU) designations.

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.

Margaret as a Premier Banking Advisor will be providing customized advice to high-net-worth clients for their unique banking and credit needs. She is focused on building enduring relationships with clients and their families, while ensuring all aspects of their financial needs are addressed through the full range of comprehensive solutions available at RBC.

As an Advisor, Margaret works as a single point of contact providing personalized service and tailored advice to help save time and effectively manage day-to-day banking and credit needs for select clients of Wealth Management Canada.

Margaret brings 34 years of experience under her belt in the Financial Services Industry. Her focus on outstanding customer service and client care is what builds that strong connection and successful relationships with high net worth clients.

Highly respected by her industry peers and clients alike, Margaret has continued delivering holistic advice and helped clients reach their financial goals. Prior to her current role, Margaret has worked as a Personal Banker and a Financial Planning Associate. She has proven that collaboration along with her business growth mindset is a great asset to RBC Premier Banking and RBC Wealth Management Canada.

Margaret believes in giving back to the community. She is a strong supporter of JDRF Canada and Run for Vaughan. She fundraises each year and is a strong advocate for both causes.

As a Premier Banking Advisor for Toronto, Niaz Dharas 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 Investment Counsellors across the Toronto region, he provides personalized service and tailored advice to help clients efficiently and effectively manage their day-to-day banking needs.

With over 20 years of experience in the financial industry with Royal Bank of Canada, Niaz is well respected by his clients and peers. Niaz's solid track record for providing Exceptional Customer Service and his consistent engagement with key partners have proven to deliver Top Level Client Loyalty results.

Niaz was born and raised in Toronto. He is happily married to his wife of 20 years and currently resides in Markham. In his spare time, Niaz enjoys working out, meditation and watching sports with his friends. He is also an active volunteer with the Ismaili Council for Ontario for over 10 years.

Along with his Investment Funds in Canada certification, Niaz also holds a Specialized Honors Bachelor degree from York University.