In her capacity as an Estate Planning Specialist, Caroline assists clients achieve their wealth management goals through the application of insurance solutions.
Formerly a Chiropractor with her own practice, Caroline understands what it means to be a business owner but also to care for her clients. She took the time to listen to their medical concerns but cared for them holistically.
Faced with a critical health event in her family, she closed her practice and experienced the benefits of insurance firsthand and how the claims process works. Caroline then spent 10 years working for a Canadian insurance company before joining RBC. There she shared her knowledge, experiences, and passion for life insurance and the benefits it provides in support of life's circumstances.
An avid sportswoman, Caroline begins each day at the gym. In her free time, she and her family love to travel the world experiencing other cultures.
As a Will and Estate Advisor for the Quebec Region, Frédéric provides estate settlement strategies and solutions that centre on understanding and addressing the unique needs of each client. He works collaboratively with clients, their families and trusted professionals in order to develop personalized multi-generational estate plans incorporating Wills, testamentary and inter vivos trusts, and protection mandates. Through this process, Frédéric helps families protect their legacy and facilitates its smooth transfer to the next generation.
Frédéric’s technical expertise complements his skill set in managing the complexities of family dynamics. He brings a compassionate, expert perspective that is welcomed by families who may be struggling with the difficult decisions that often accompany estate planning, whether it’s protecting an heir with a disability, providing for children from a previous union, minimizing family conflict or dealing with beneficiaries or assets that are situated outside of Canada.
Fully bilingual, Frédéric holds a Bachelor of Laws from the Université de Sherbrooke—he is a member of the Quebec Bar and practiced law for four years. Frédéric has continued to deepen his knowledge and expertise with key industry designations, such as the Trust and Estate Practitioner designation (TEP), and as a member of the Canadian division of the Society of Trust and Estate Practitioners (STEP). In addition to his industry experience and background, Frédéric obtained his accreditation from the Institut québécois de la planification financière (IQPF) and served as a financial planner with RBC
Joseph Di Niro, LL.B, D.D.N.
Will & Estate Consultant, Family Office Services, RBC Wealth Management
Prior to joining RBC Wealth Management, Joseph Di Niro began his career as a Notary in private practice at a notarial firm in Montreal. During this period, Joseph developed an expertise in Will and estate planning and also acquired specialized knowledge in estate settlements and non-contentious matters. To further his knowledge in the field of taxation, Joseph later joined a multinational accounting organization, where he specialized in tax planning for individual and corporate clients. Member of the Board of Notaries of the Province of Quebec (Chambre des Notaires du Québec) since 2010, Joseph obtained his Notarial Law Degree (D.D.N.) from Université de Montréal in 2009, after having obtained his Bachelor of Law (LL.B.) from the Université de Québec à Montréal (UQAM) in 2007. Joseph is currently pursuing a Master’s Degree in Taxation from the University of Sherbrooke.