Your partners in Wealth Management

Michel Bétournay, Financial Planner, obtained a Bachelor of Business Administration degree (major in accounting) from HEC Montréal in 1991, and earned the Financial Planner designation from the Quebec Institute of Financial Planners (IQPF) in 2002.

Michel joined RBC Financial Group in 1993, and has fourteen years’ experience as a Financial Planner, twelve of which were spent with the Compass Financial Planning team.

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

Nader holds a Master’s degree in taxation (LL.M. Tax.) from HEC Montreal and a Master’s in Business Administration (MBA) from the University of Moncton (NB). He is also a Financial Planner (F. Pl.), duly registered under the Institut Québécois de Planification Financière (IQPF).

Prior to joining RBC Wealth Management, Nader worked at a major accounting firms and other firms within the financial services industry, providing sophisticated tax and wealth management planning to high net worth individuals and corporate clients.

Nader’s areas of expertise include personal and corporate tax planning, taxation of life insurance, wealth preservation, and financial planning. As a Financial Planning Specialist at RBC Family Office Services, Nader works jointly with your advisor to prepare and present your comprehensive Compass Financial Plan.

When everything matters: it is Noel who gets the call for the most critical situations and complex clients.

With over 25 years' experience in the financial services industry, Noel is different because of what he calls Science and Simplicity. As a Fellow of the Society of Actuaries he has extensive technical knowledge to share, yet advisors and clients alike remark how simply he articulates the most complex issues. These skills are what lead people to call Noel and his team when everything matters.

With the vision to be a world leader in providing life insurance solutions for affluent families and an intense enthusiasm for work, it is Noel's zest for life that sets him apart. He has a habit of grabbing the mic, a passion for extreme sports and a belief that the best can be even better.

Nathalie specializes in tax and estate planning for ultra-high-net-worth families.

As a Vice President, High Net Worth Planning Services, Nathalie, together with your primary RBC advisor, helps you explore succession, tax, retirement and estate planning issues you face as a high-net-worth client.

Nathalie has a Bachelor’s degree in Finance and a Master’s degree in Tax from the University of Sherbrooke. She has also completed a Master in Business Administration from Laval University and a Bachelor degree in international commerce from l’École Supérieure de Commerce (ESC) in Poitiers, France. She is a Certified Financial Planner and has completed the Securities Dealers Course from the Canadian Securities Institute.

Nathalie has more than 20 years of experience in tax, charity and estate planning consulting. Nathalie regularly gives lectures at the Association de planification fiscale et financière (APFF) annual conferences and technical seminars, as well as at other professional association events, and is an active writer of articles on topics related to tax, charity and estate planning.

Nathalie is an active member of the executive committee of Society of Trust and Estate Practitioners (Quebec branch). She is also a member of the Association de planification fiscale et financière, the Institut Québécois de planification financière (IQPF) and the Canadian Tax Foundation (CTF).

Paule specializes in tax and estate planning for ultra-high-net-worth families.

Her guidance supports clients in their relationships with their external professional advisors, with whom she frequently interacts.

Paule has a Bachelor’s degree in Commerce from l’École des Hautes Études Commerciales (HEC) and a Master’s degree in Tax Law from the Montreal University. She has completed the Securities Dealers Course from the Canadian Securities Institute.

As a Chartered Professional Accountant, Paule has more than 30 years of experience in tax and estate planning consulting, in CA firms as well as in life insurance and securities dealer companies. Paule is a frequent lecturer at annual conferences and technical seminars of l’Association de planification fiscale et financière and other professional associations and an active writer of reference papers on tax and estate planning topics.

Paule is a member of the executive committee of STEP Montreal and is regularly involved in various committees of the Association de planification fiscale et successorale. Paule is a member of the Ordre des comptables professionnels agréés du Québec, the l’Association de planification fiscale et successorale, the Canadian Tax Foundation, the International Fiscal Association and the Society of Trust and Estate Practitioners.

Prior to joining RBC, Nathalie specialized in corporate commercial law and estate and trust law during her eleven years in private practice.

She focused primarily on mergers and acquisitions and tax driven corporate transactions, advising small and medium size businesses in connection with day to day requirements, such as shareholder issues, restructuring, strategic alliances and standard agreements. In addition, Nathalie focused on estate and trust planning, tax planning and estate administration and liquidation, implementation of tax and estate plans, Wills, trusts, corporate reorganizations, business succession plans and wealth preservation.

In 2010, Nathalie joined RBC, assisting clients with their overall tax and estate planning, and in 2014, assumed her present position, specializing in assisting high-net-worth clients with their succession, tax, retirement and estate planning.

Nathalie obtained a Bachelor of Arts degree (political science) from Concordia University in 1992. She obtained her law degree from l’Université de Montréal Faculty of Law in 1995. She was called to the Barreau du Québec in 2000. Nathalie also completed her CICA in-depth tax courses, Parts I and II.

She is an active member of The Society of Trust & Estate Practitioners (Quebec chapter) and the Canadian Bar Association (Quebec).

As the Will and Estate Advisor for the Quebec region, Sabrina Silvano provides estate settlement strategies and solutions for clients and their families.

Sabrina works collaboratively with clients, their families and their trusted professionals in order to develop personalized multi-generational estate plans incorporating wills, testamentary and inter vivos trusts, and Protection Mandates. Through this process, she helps families ensure the protection of their patrimony and facilitates its smooth transfer to the next generation.

Sabrina is a highly leveraged resource to the Quebec region team providing insights and advice related to the ever changing laws on estate and trust structures. Her technical expertise complements her skill in managing the complexities of family dynamics. She 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, Sabrina holds a Bachelor of Laws (LL.B.) and a Juris Doctor (J.D.) in North American Common Law from the University of Montreal and is a member of the Quebec Bar and gained her TEP designation in 2018.

Holder of a Bachelor of Commerce, Ms. Aversa has been with RBC since 1988. She has twice been honoured and rewarded for her extensive knowledge thanks to the various positions held over the years, and her proactive drive in several departments. As a Financial Planner since 2003, she has developed effective strategies for consumers.

Building on this experience, Ms. Aversa became a Private Banker in 2005. She acts as a resource for all the financial needs of her clients, who come from various backgrounds. “I make sure to quickly find the most effective solutions; for more complex demands, I work with our experts to offer a comprehensive approach that is tailored to each situation.”

With the support of a professional team and with all RBC resources, Ms. Aversa makes life easier for her very busy high net worth clients by delivering quality service. “The personalized relationship that I develop based on honesty and confidentiality means I can work with clients and their families in a climate of trust.”

The RBC Private Banking team delivers top-quality professional services and informed advice on all financial matters. “We are advisors who accompany clients through every step of a process, whether it is developing a financial structure or daily management facilities.”

Ms. Aversa is also very committed to volunteer work. She devotes part of her time to Montreal's Jewish General Hospital, Hôpital Maisonneuve-Rosemont and Old Brewery Mission.

Isabelle Cantin is a seasoned professional in corporate finance, strategic planning and personal wealth planning. She brings over 25 years of corporate and financial services experience to her role serving high-net-worth clients in Montreal and the surrounding area.

As a Private Banker, she draws on her extensive experience to advise on a number of issues that affect her business owner and professional clients, including banking, lending and wealth management. As needed, she partners with specialists from across RBC to provide a complete range of complementary services, including estate and tax planning, investment management and trust services.

Isabelle is also very committed to volunteering her time at various organizations, with over 15 years as an Executive Board member and fundraiser for the Lighthouse Children and Families in Montreal, and previously with the Canadian Cancer Society.

Isabelle holds a Bachelor of Arts from Western University, an MBA from the Richard Ivey School of Business, as well as the financial planning designation (F. Pl.). She is also a graduate of the Institute of Corporate Directors in Governance for Non-Profit organizations. She is fluent in French and English.

Outside of the office, Isabelle keeps active with outdoor sports, reading, travelling and raising her two daughters.