Meet Our Partners

Andrea Heard brings over 19 years of experience in the financial industry to her role as Private Banker. For the last 13 years, she has been a Financial Planner with RBC Royal Bank and brings strong relationship management skills to her high-net-worth clients in Waterloo and Southwestern Ontario.

As your dedicated Private Banker, Ms. Heard will take the time to discover what is important to you and your family, as well as your personal financial goals. Along with her team, who include a Private Banking Associate and a Manager, Credit Structures, she will create a strategy and make recommendations on a plan of action that is right for each client situation. She also has access through the RBC network to call on a further team of specialists, in Canada and in key markets worldwide. This team enables her to provide a complete range of services – including delivering comprehensive, integrated financial solutions to help meet clients’ goals through investments, business banking, estate planning, and domestic and international trusts.

Ms. Heard graduated from Wilfrid Laurier University and soon after earned her designation as a Personal Financial Planner (PFP). As a long-time resident of the Waterloo Region, she enjoys volunteering in her community and attending local fundraising events. Most recently she joined the committee of a local organization that recognizes people in the community doing amazing things.

When not working, she enjoys spending her time with her husband and two sons. In her leisure time, she is often is found reading, biking, golfing or entertaining family and friends.

Wes Cutting started working with RBC more than nine years ago, taking a role in the National Office of RBC's Credit Advisory Group immediately after graduating with an Honours Finance Degree from Brock University in St. Catharines. Since joining RBC, Wes had been steadily promoted through various roles and departments within the bank, with increasing responsibilities at each juncture. Before joining the Private Banking team, Wes was an award-winning Commercial Account Manager in the Niagara Region and has since relocated back to Guelph, where he was born and raised.

As your dedicated Private Banker, Wes will take the time to discover what is important to you and your family, as well as your personal financial and wealth goals. Along with his team, which includes a Private Banking Advisor, and a Manager of Credit Structure, he will create a strategy and make recommendations on a plan of action that is right for each unique client situation. He also has access throughout the RBC network to call on a team of renowned specialists, in Canada and key markets worldwide. This team enables him to provide a complete range of services - including delivering comprehensive, integrated financial solutions to ensure clients' meet their goals through investments, business banking, estate planning, and Trusts, both domestic & international.

When not working with clients, Wes enjoys spending his time on the golf course, playing numerous other sports with his friends and colleagues, while spending as much time as he can with his dog, Zoe, who is a purebred Poodle with lots of energy. He is also very active in the kitchen, enjoying any opportunity to cook for family and friends.

As your Private Banker, Curtis will gain an understanding of your unique needs and goals in order to deliver wealth management planning tailored to you. He will then work with you and your team as well as partner with top experts from across RBC to implement customized solutions, including succession planning and advice on complex structures for you and your family.

Curtis has more than 30 years of industry experience. He has deep experience working with high net worth families throughout the local community to deliver tailored planning and advice.

As a Private Banking Premier Advisor, Monica Gonsalves provides tailored financial solutions for the banking and credit needs of select high-net-worth clients that work with RBC's Wealth Management partners in the Guelph, Cambridge, Kitchener, Waterloo, and Orangeville communities.

As a part of this relationship, Monica will access specialists from across RBC in order to work collaboratively to provide a complete range of complementary services that include credit and leverage strategies to support individual short and long term goals.

Monica offers an extensive background in client relationship to her role as a Premier Advisor, drawing on 12 years of experience within RBC, consisting of a wide range of Insurance, Leadership and Advisory positions.

Monica attended Seneca College, completed a number of Coaching and Communication courses, and has continued to deepen her knowledge and expertise through the Canadian Securities Institute with key industry designations such as IFIC, PFSA and FP1. She was the head coach to the Guelph Knights U12 and U13 basketball teams for two years, and continues to volunteer her time in the community.

Away from the office, Monica enjoys spending time at the family cottage in Bayfield, practicing yoga and playing guitar.

As a Premier Advisor with RBC Wealth Management Private Banking, Marian provides personal service and tailored advice to help clients save time and effectively manage their day to day banking needs.

Working as a single point of contact, Marian will access specialists from across the organization in order to provide a complete range of complementary services to support the individual short and long term goals of our Wealth Management clients in the Waterloo/Guelph-Cambridge-Orangeville area.

Marian draws on 16 years of experience within RBC. She was recently a Financial Advisor in our North Guelph community for 8 years and prior to that, she worked at Dominion Securities for 2 years as an Investment Advisor Assistant. She had the opportunity to engage in several aspects of our retail growth and client retention helping drive RBC's direction for the future and foster long-term client relationships across multiple channels within our Communities.

Marian has successfully attained her Bachelor's Degree in Psychology and currently holds accreditations through the Canadian Securities Institute which includes IFIC, PFSA and FP1. Her focus is to deliver an Exceptional Advice Experience for high net worth households that work directly with our Wealth Management partners.

Marian resides in Guelph with her husband and 2 children.

Scott brings his 33 plus years of financial services experience to the clients he meets, including 18 years in public practice (six years as a Partner) with a local CA firm. He has worked with clients in the areas of tax, estate and business strategy including family business succession planning.

Prior to joining RBC Family Office Services, Scott provided services for four years to RBC clients as a Commercial Account Manager, focused on owner- managed business and agriculture clients, and four years as a Private Banker, assisting high net worth clients with personal banking, credit and financial planning needs.

Scott is member of the Chartered Professional Accountants of Canada, the Institute of Chartered Accountants of Ontario, and the Financial Planners Standard Council. He is a Canadian Association of Family Enterprises trained family business facilitator, a Family Business Advisor and graduate of the University of Guelph with an animal science and agriculture business degree. He is also a member of the Canadian Association of Farm Advisers and holds a CAFA designation, (Certified Agriculture Farm Advisor).

Scott will work with your advisors to prepare and present a comprehensive Compass Financial Plan specific to you.

For nearly 40 years, Steve has helped families and business owners develop a framework applying integrated wealth planning solutions. Both clients and their advisors trust in his extensive experience utilizing a values-based approach to develop solutions centered around their needs. His approach to insurance planning differs from others and recognizes each individual's unique situation.

Focused on planning and educating clients about their options, they are informed and empowered to make decisions best suited to their wealth management goals. Steve then takes the time to evaluate offerings from Canada's top insurance providers while partnering with your professional advisors to ensure you receive high-quality, cost-effective insurance solutions.

Whether providing protection during income earning and business building years, preserving capital or transferring accumulated wealth, Steve is there to implement solutions that address your needs in a tax-efficient manner.

Shannon worked in private practice for ten years before joining RBC in 2010.

She specialized in the areas of Wills & estate planning, estate administration and real estate. Shannon graduated from the University of Guelph with a Honours B.A. and received her LL.B. from the University of Toronto in 1998. She is a Member of the Law Society of Ontario.

Shannon lives in Woodstock, Ontario with her husband and three kids.