Murray Shapiro, BA, LL.B, TEP
Vice-President, High Net Worth Planning Services, Family Office Services, RBC Wealth Management
Murray has been providing advice and technical support in relation to high-net-worth family wealth planning since 1994. Conversations include scenarios to be aware of in transitioning, including the costs of transitioning, your assets to your intended heirs. Additional areas of concern may include tax, asset preservation and philanthropic planning.
Murray’s expertise encompasses both domestic and international family circumstances, and in many cases is focused on the challenges of transitioning a family business. His guidance supports clients in their relationships with their external professional advisors, with whom he frequently interacts.
Before joining RBC’s Canadian Wealth Management Services team in 2008, Murray worked with RBC’s Global Private Banking group as the senior resource in their global trust business for over 13 years.
Prior to joining RBC, Murray practised law for six years in the areas of estate and tax planning, as well as various areas of business law.
Murray was a Director of STEP Canada (Society of Trust & Estate Practitioners) from its inception until 2009, and has been a member of the International Tax Planning Association and the Canadian Tax Foundation over the years. He has been a featured speaker at Estate Planning Councils, Law Society and STEP practitioner education conferences in Canada and abroad.
Prashant Patel, CFP, TEP
Vice-President, High Net Worth Planning Services, Family Office Services, RBC Wealth Management
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.
Susannah Musselman, CPA, CA, CMA
Vice-President & Financial Planning Specialist, Family Office Services, RBC Wealth Management
Susannah is a Chartered Accountant, Certified Management Accountant and Certified Financial Planner. She graduated with a Bachelor of Arts from the University of Waterloo, specializing in Chartered Accountancy.
Prior to joining RBC, Susannah provided comprehensive financial planning guidance and advice to executives, business owners, professionals and high net worth families. Susannah uses a holistic approach to helping clients address all areas of their financial planning.
Susannah’s role is to work with and support your Investment Advisor in preparing and presenting comprehensive Compass Financial Plans.
Sara Bond, BA (Hons), LL.B, LL.M
Will & Estate Consultant, Family Office Services, RBC Wealth Management
As a Will & Estate Consultant, Sara Bond provides comprehensive estate planning services which includes providing clients with an effcient estate plan. Sara is distinguished in her feld as an internationally recognized Trust and Estate Practitioner (TEP), a designation that displays her advanced knowledge and experience to identify and address developments in the trusts and
estates industry.
Following her call to the Bar, Sara has worked for major trust companies working in a variety of roles involving estate administration and estate planning. Prior to joining RBC, Sara’s last role was Senior Advisor- Planning and Advisory Services, where she advised clients on a variety of Wills, trusts, estate planning matters.
Sara obtained a Joint Honors Bachelor degree from York University, and graduated with a Bachelor of Laws from the University of Sussex, U.K. Sara has also completed a Master of Laws in taxation, from Osgoode Hall Law School, York University.
Sara is a member in good standing with the Law Society of Ontario, and is a member of the Ontario Bar Association, Trusts & Estates Law section.
Complimentary Will & Estate Planning consultation
In appreciation of your valued business relationship with us, your advisor is pleased to offer you a complimentary Will & Estate Planning consultation with Sara, a Will & Estate Consultant.
Sara works closely with your advisor to provide you with information on structuring your estate in an effcient and tax-effective manner. Following your meeting, Sara will provide you with a report outlining various estate planning issues for you to explore in further detail with your own lawyer or accountant.
To schedule a meeting with Sara Bond, please contact your advisor.
Michael Huitema joined RBC in 2005 and brings extensive financial service knowledge to his private banking clients. He provides tailored wealth management solutions to business owners, executives and high net worth families in the Niagara Peninsula.
Mr. Huitema's career with RBC includes experience in retail banking, branch management and most recently commercial banking. In every role he has maintained a client-centric focus and worked in conjunction with clients other advisors to provide customized advice and strategies.
As a Private Banker Mr. Huitema and his team are focused on building long-term relationships based on sound advice, confidentiality, integrity and trust. Clients value his previous experience working in commercial banking due to his understanding of cash flow and ability to structure complex credit. He partners with other RBC experts in Canada and internationally to deliver customized solutions for all of his client's needs. Through this approach, clients benefit from tailored packages that include high-end credit solutions, wealth management planning, business succession planning, estate planning and domestic and international trust structures.
To ensure personalized and prompt service, Mr. Huitema works with a limited number of clients. This focused approach allows him to spend more time simplifying his clients' lives, working when necessary with his other professional advisors to deliver comprehensive, integrated financial solutions.
Mr. Huitema is a Personal Financial Planner and holds a Bachelor of Business Administration, Finance Concentration and a Masters of Business Administration from Brock University. Outside the office Mr. Huitema keeps busy as a Rotarian and volunteering at other community events. He also enjoys spending time at the cottage and skiing with his wife and kids.
Ms. Orr's career with RBC includes financial services experience with RBC Commercial Financial Services, with focus on real estate markets, and later in the Knowledge Based Industries (KBI) group, working with clients across the Information Technology sector. This experience has refined her ability to serve business and personal clients throughout their financial lives.
As a Private Banker, Edita Orr creates tailored banking, personalized short and long-term lending solutions and flexible credit packages for sophisticated clients. She partners with a broad group of RBC experts in Canada and in key markets worldwide to provide a complete range of services, customized to the unique needs of each client. Through this approach, clients benefit from tailored packages that include high-end credit solutions, wealth management planning, business succession planning, estate planning and domestic and international trust structures.
By working with a relatively small number of clients, Ms. Orr can ensure responsive service and a personalized, discreet approach to meeting a variety of sophisticated banking and credit needs. As appropriate, she will work with her clients' other professional advisors to deliver comprehensive, integrated financial solutions.
A Fellow of the Canadian Institute of Bankers (FICB), Ms. Orr holds a Bachelor of Commerce from McMaster University and a Masters of Business Administration from Dalhousie University, specializing in Financial Services.
Outside of the office Ms. Orr has been an active volunteer in programs with the United Way, Meals on Wheels, Youth in Motion and is a member of Women Entrepreneurs of Canada.
As a Premier Banking Advisor, Heather provides personal service and tailored advice to help clients save time and effectively manage their day to day banking needs. Heather works as a single point of contact and partners with Investment Advisors in Hamilton, Brantford and Niagara regions.
Heather has over 10 years of experience in the financial industry with RBC. She was recently a Financial Advisor out of the Hamilton area for over 6 years and prior to that she was a banking advisor for 4 years. Heather strives on delivering great client service and is highly respected by her clients and peers. Her passion is in assisting her clients to achieve their goals and has been recognized as a Top Performer with RBC over the past several years with that focus in mind.
She graduated with a Diploma in Police Foundation at Mohawk College and took that passion of always wanting to help by being deeply committed to give back to her community supporting fundraising & volunteer initiatives that include Local Hospice, Ronald McDonald House, and the McMaster Walk & Wheel event.
Heather was born in Hamilton, has 4 small children, and in her spare time you will find her either at a hockey arena with one of her children or on the golf course.
As a Premier Banking Advisor, Amy DiRenzo 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 in Hamilton, Brantford, St. Catharines, Niagara Falls and Simcoe and provides personalized service, and tailored advice to effectively and efficiently manage their day-to-day banking needs.
With over 17 years of experience in financial services within RBC, Amy is respected by her clients, peers and the industry, and has enjoyed success in several different roles in assisting clients to achieve their goals. She has also been awarded and recognized a top performer.
Amy is deeply committed to giving back to the community. She has volunteered with various charities such as the Ronald McDonald House as well as the Hospital for Sick Children.
Born and raised in Niagara Region, in her spare time, Amy enjoys spending time and travelling with her husband and four year old daughter.