How We Do It

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.

As a Premier Banking Advisor, Varsha Parray provides banking and credit solutions to select high net worth individuals and their families. Acting as a single point of contact, she partners with Investment Advisors and Counsellors across the Richmond Hill, Vaughan, Newmarket and Aurora regions, and provides personalized service and tailored advice to efficiently and effectively manage their day-to-day banking needs.

With 10 years of experience in financial services with RBC, Varsha is respected by her clients and industry peers, and has received top performer recognition.

Varsha is committed to giving back to her community, and volunteered and participated in the RBC Race for the Kids.

Born in Trinidad in the West Indies and raised in Toronto from the age of 7, Varsha holds a Bachelor of Arts in Psychology Degree from York University and a Human Resource Management Certificate from Seneca College.

She currently resides in the Toronto area with her husband and two children and when she isn’t hard at work for her clients, you’ll find her spending time with her family and friends, reading and developing her green thumb.

Chris Roberts brings over 11 years of experience in the financial services sector to his role as a Private Banker, where he provides customized wealth management advice and solutions to families in the Greater Toronto Area.

His previous experience includes advising small, medium and large size businesses on their banking and financing arrangements, as well as working with business owners on their personal financial needs and business succession planning. He drives value for his clients by working collaboratively with them to ensure he has an in-depth understanding of their unique situations and focusing on what is most important to them.

As a Private Banker, Chris works as part of a dedicated team, along with a Private Banking Associate and a Manager, Credit Structures, to bring the full range of RBC’s wealth management capabilities to his clients. Through this team approach, an attentive and professional value proposition is provided, customizable to the unique needs of wealthy clients. Chris’s focus is on building meaningful relationships and providing long-term integrated solutions to help clients achieve their goals. These solutions can include wealth management planning, estate planning, customized credit structures, and business owner planning.

Chris holds a Master of Business Administration (MBA) degree from the University of Toronto, and a Bachelor of Commerce degree from Memorial University of Newfoundland. He has also completed the Canadian Securities Course, and the Investment Funds in Canada course. He is married and enjoys spending time with family, traveling, as well as playing and watching sports.