Joseph Bonazza, CFA

Joseph Bonazza, CFA

Investment Advisor

905-988-5864 | Email me

Suzanne Schultz, CPA, CA, CFP

Vice President & Estate Planning Specialist

Suzannes focus is to protect and enhance family, business and multi-generational wealth. She is a trusted professional known for expert wealth management advice utilizing advanced, insurance-based tax and estate planning solutions.

Prior to her role at RBC, Suzanne built her career at a major accounting firm and a boutique tax and estate planning firm. She holds CPA, CA and CFP designations and has completed the CICA’s In-Depth Tax Course. She was featured as an expert on BNN and HGTV’s House Poor, and has contributed to the Globe and Mail, National Post and other publications. She is also co-author of 78 Tax Tips for Canadians for Dummies.

Suzanne uses her in-depth technical knowledge to carefully understand what can complicate your financial and family situations and collaborates with your other professionals to uncover where you might be exposed to excessive taxes and risk. This planning is essential for business owners, professionals, executives and those with charitable goals.

Catherine Nicholls, LL.B., TEP

Vice President and Will & Estate Consultant

Catherine received her Law Degree from the University of Western Ontario in 1978 and has been a member in good standing with the Law Society of Upper Canada since 1980.  She was a partner in a small law firm and primarily practiced law in the areas of residential real estate, Will and Estate planning and estate administration.

Catherine joined a major trust company as a Senior Will and Estate Planner in 1996 and has since then focused exclusively on this area of law. She continues to focus on Will and Estate planning with RBC.

Catherine works closely with your advisor to provide you with information on structuring your estate in an efficient and tax-effective manner. Following your meeting, Catherine will provide you with a report outlining various estate planning issues for you to explore in further detail with your own lawyer or accountant.

Murray Shapiro, BA, LL.B, TEP

Vice President, High Net Worth Planning Services

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.

Jim Yager, BA, MBA, M.Tax

Vice President, Cross Border Planning, High Net Worth Planning Services

Jim specializes in providing cross border tax planning. He joins RBC Wealth Management Services having recently retired from KPMG LLP after 33 years of services. 

Most recently, he was a partner and the Practice Leader of KPMG’s International Executive Services (“IES”) practice in Canada, where he provided cross border tax and consulting services to employees, their employers, high net worth individuals and individuals with investments outside their home country. Jim was a member of the KPMG IES Global Steering Group which establishes strategies, policies and procedures for KPMG’s global IES practice. 

Jim was also the practice leader for Global Wealth Services (“GWS”), which provides U.S. and Canadian income, trust and estate planning services to executives and high net worth individuals. 

Prior to relocating to Toronto in June 1993, he worked in New York, Hong Kong and Miami where he served U.S. based clients expanding internationally and foreign based clients from Canada, Europe, Asia and Latin America expanding into the U.S. He and his wife, Suzanne, moved to Colorado during 2014 where he continues to practice cross border tax planning. 

As both a Canadian Chartered Professional Accountant and a U.S. Certified Public Accountant, Jim is uniquely prepared to provide international tax consulting services.  Furthermore, having been an expatriate himself for over twenty-seven years, he is “intimately” aware of the cross border tax issues.  

James Wong, CPA, CA, CBV

Vice President, Business Owner Specialist

As a Vice President, High Net Worth Planning Services, James, together with
your primary RBC advisor, helps you explore succession, tax, retirement and
estate planning issues you face as a business owner.
James spent the majority of his career in various capacities advising
owners of privately held businesses. Prior to joining RBC, he spent 12 years
at another major national financial institution as the Vice President of
Succession Planning. In that role, James developed several best practices
around succession planning that take into account the unique culture of
Canadian family businesses. Many of these practices are shared in the book
he co-authored, “The Transition Experience – What every Canadian family
business owner should know beyond succession planning”, released in
December 2011.
James is a Chartered Accountant and Chartered Business Valuator and is
a frequent presenter on business succession planning. He obtained his
degree, Masters of Commerce from the University of Canterbury in New
Zealand.