财富规划专家团队

Grace在2000年從卑詩大學 (University of British Columbia) 取得文學學士 學位，並在2003年畢業於達爾豪西法學院 (Dalhousie Law School)。她在 2004年獲得卑詩省律師資格。

在加盟RBC之前，Grace在溫哥華從事執業律師，專長於遺產策劃和遺產管 理。不久之前，Grace曾在一個醫院基金會工作，為該慈善機構提供有關法 律事務的建議，以及為其捐助者提供有關慈善捐贈的意見。

Grace是加拿大律師協會遺囑和信託組別和慈善機構組別的成員。她會講流 利廣東話和普通話。

Grace很高興能與您和您的顧問攜手合作，為您策劃一個高效和具稅務效益 的遺產計劃。

As the Will and Estate Advisor for the Vancouver and Okanagan regions, Rick brings an approach to estate planning that centers on understanding and addressing the unique needs of each client, working collaboratively with both the client and their trusted advisors to help craft a comprehensive, effective estate plan that meets their particular needs.

A graduate of Simon Fraser University with a Bachelor of Arts degree and a law degree from the University of Victoria. He is currently a member of the Law Society of British Columbia, the Wills and Estates Subsection of the Canadian Bar Association (BC), and the Society of Trust and Estate Practitioners (STEP).

Rick joined RBC Royal Trust from private practice and brings over 15 years of experience as a full time estate planning lawyer with a downtown Vancouver law firm. He has extensive experience dealing with all facets of personal estate planning, including wealth preservation, asset protection, income splitting and tax minimization issues. During that time, Rick also dealt with court appointed committees for incapacitated individuals, and matters arising from the administration and wind up of estates.

Whether clients hope to protect a disabled heir, incorporate succession planning for their business, address the unique concerns arising from second spouses and blended families, minimize family conflicts, or deal with beneficiaries or assets that are situated outside of Canada, Rick can help craft a tailored estate plan that meets their individual needs.

The combination of his professional expertise and his commitment to provide practical solutions makes Rick an invaluable resource for both clients and their financial advisors.

As a Senior Trust Advisor, Phylicia Rye serves clients throughout the Eastern Greater Vancouver and North Vancouver Island areas. Her focus on providing estate and trust advice and solutions to high net worth families has garnered her a strong reputation among her peers and is well known within the estate and trust industry for her ability to deal with complex issues.

Phylicia graduated from Simon Fraser University with a Bachelor of Arts (Economics). She also holds both the Personal Financial Planner (PFP) and Certified Financial Planner (CFP) designations, and the Trust and Estate Practitioner (TEP) designation. She has over 24 years of industry experience and has leveraged the necessary technical and business development skills to provide clients with the right solutions for their unique circumstances.

Phylicia works with individuals, families, and businesses providing 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, Phylicia can help.

Darren specializes in tax and estate planning for high net worth families.

Prior to joining RBC, Darren was a tax partner with a national accounting and advisory firm where he focused on providing tax planning services to high net worth families and shareholders of privately held businesses. Darren guided clients through many of the complex personal and corporate issues faced by high net worth families and business owners by developing strategies for wealth preservation and tax minimization, the transfer of wealth to the next generation, and estate and succession planning.

Darren, together with your primary RBC advisor, helps you explore succession, tax, retirement and estate planning issues you face as a high net worth client. Darren specializes in tax and estate planning for business owners and high net worth families.

Darren is a Chartered Professional Accountant, Chartered Accountant and has completed the Canadian Institute of Chartered Accountants In-Depth Tax Course, the Corporate Reorganization Course and the Tax Planning for the Owner Manager Course. Darren is a TEP designated member of STEP (The Society of Trust and Estate Practitioners) and is a member of the Canadian Tax Foundation. Darren is a graduate of the University of British Columbia and the British Columbia Institute of Technology.

Prior to joining RBC in 2014, Zora spent over a decade with a mid-size Canadian accounting and business advisory firm where she focused on assisting owner- managers and their families with personal, trust and corporate tax planning and compliance. Zora focused on development and implementation of strategies for wealth preservation in the context of tax, estate and succession planning.
Zora, together with your primary RBC advisor, helps you to explore succession, tax, retirement and estate planning issues you face as a business owner. Zora specializes in tax and estate planning for business owners and high-net-worth and ultra-high-net-worth families.
Zora received a Bachelor degree in Science from Simon Fraser University and a Master in Business Administration from the University of British Columbia. Zora is a Chartered Professional Accountant, Certified General Accountant. Zora
has completed the Canadian Institute of Chartered Accountants In-Depth Tax Courses, as well as the Advanced Tax Issues for the Owner-Managed Business Course. Zora is also a TEP designated member of STEP (The Society of Trust and Estate Practitioners).

Coming from one of the major global accounting firms, Yat-Sze brings a broad range of experience to her role as Vice President, Financial Planning Specialist.

In her previous role, she spent many years working with private companies, high-net-worth individuals, trusts, and partnerships. Her work included tax minimization through appropriate tax planning (corporate and personal, including estate planning) as well as corporate restructuring.

Yat-Sze is a Chartered Professional Accountant (CPA, CA) and a Certified Financial Planner (CFP). She completed her Bachelor of Commerce at the University of British Columbia and has completed all three levels of the Canadian Institute of Chartered Accountants’ In-Depth Tax Course. She has also completed the Advanced Tax Course for Owner-Managed Businesses.

As a Financial Planning Specialist, Yat-Sze’s 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 and tax planning concerns you might have.

管理财富甚为繁复，但有我们助您一同规划，就能化繁为简。

与您的税务及法务专家通力合作，是Carey的专长。身为特许专业会计师（Chartered Professional Accountant）和信托及遗产规划师（Trust & Estate Practitioner）的他，在加拿大领先的人寿保险公司的税务和遗产规划部门从业多年，深谙在制定财富管理计划时，有许多事项需要周全考量。

Carey专注于为企业主和高净值家庭量身定制以保险为本，且极具税务效益的理财方案。他能简化复杂的问题，帮助客户全面了解财务状况并照顾其所需，让他们安心放心。

热爱户外运动的Carey, 也非常重视家庭生活。您总能在高尔夫球场上，看到他与妻子和两个女儿的身影。此外，Carey曾为许多业内刊物撰稿，也时常受邀举办英文、普通话及粤语讲座。

Rachel is a Risk Assessment Insurance Specialist with 25 years of industry experience. She is dedicated to helping clients protect and preserve their wealth, possessions and lifestyle. Rachel started her career at Abbey Insurance Brokers in Northern Ireland where she held numerous roles from administrative assistant to assistant manager.

In 2013, Rachel moved to Canada after the recession in search of a better life. She settled in Edmonton, Alberta with her husband where she fell back into the insurance industry. During this time she rediscovered her passion for insurance and helping clients protect what matters most to them – their lifestyle. Prior to joining RBC, Rachel had the opportunity to work at CMB Insurance. In her role, she was responsible for building their VIP personal lines book of business.

Along with a diploma in Management, Rachel is currently working towards her Canadian Accredited Insurance Broker (CAIB) designation. When not taking care of clients, you may find Rachel travelling, reading, cooking, watching Netflix, attending concerts and festivals, or skiing with her husband and daughter in Jasper.