Who we are

Penny is a Chartered Professional Accountant (CPA, CA) and Certified Financial Planner (CFP). Penny completed her Honours Bachelor of Business Administration degree at Wilfrid Laurier University (major in Accounting) and has completed Part I & II of the CICA In-Depth Tax Course.

Prior to joining RBC in 2015, Penny was a tax manager at one of the world’s leading accounting firms. She specialized in providing tax compliance and tax planning services to high net worth individuals and private businesses. She was also a member of the firm’s learning committee and trained colleagues on personal and corporate tax matters.

Penny’s role is to work with and support your advisor in preparing and presenting comprehensive Compass Financial Plans.

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.

With over 40 years of insurance industry experience, including a senior management position with a leading financial institution, Gerry D’Souza has worked with countless advisors and their clients, helping them enhance and protect their financial well-being. Gerry recognizes that tax-efficient, insurance-based solutions are one of the most effective ways to help clients meet their long-term financial goals.

Gerry has a Bachelor of Science degree, and has a number of professional industry designations, including the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC) and Certified Financial Planner (CFP). A strong believer in giving back to the industry, Gerry taught the Life Underwriters Association Training Course (LUATC), moderated the Field Management Seminar (FMS), served on the Advocis Board (CAIFA) and was active on the Advisory Board for the Financial Services Commission of Ontario (FSCO). Gerry’s commitment to his clients and the insurance community are a testament to his longevity and success in the industry.

As a Trust Officer, Todd serves clients throughout the Toronto and Greater Toronto area. With a career focused on client-facing roles, he is dedicated to his clients and provides a personalized service tailored to their specific needs. Todd works effectively with executors and beneficiaries providing peace of mind knowing there is stability and continuity to the long-term relationships.

A graduate of Bishops University with a BA Honors, Economics, Todd has continued to deepen his knowledge and expertise and is currently undertaking to obtain his Trust and Estate Practitioner designation.

Todd 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, Todd can help.

With more than 5 years of industry experience, Todd brings to each client the necessary skill set to provide both the technical expertise as well as the genuine understanding of the emotional complexities that underlie these issues. Todd understands that no two clients are the same and so together with his RBC partners, he can find the solution that’s right for you.

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.