As a Premier Banking Advisor for the Laval, Pointe-Claire, Trois-Rivieres and Gatineau markets, Farah Petiny works as a single point of contact, providing banking and credit solutions for select clients of Wealth Management Canada and their families. Partnering with Investment Advisors and Counsellors across the region, she provides personalized service and tailored advice to help clients save time and effectively manage their day to day banking needs.
With 19 years of experience in financial services with RBC, Farah is respected by her clients, her peers and the industry. This person is recognized for the efforts invested in her work and her daily personal investment.
Born and raised in Montreal, Farah is a dedicated wife and mother of a son. When she is not hard at work for her clients, you'll find Farah spending time with her family and friends, listening to jazz and blues music, reading or generally engage in other activities such as making jewelry from semi-precious pearls. Farah is fluently bilingual in both French, English and Caribbean Creole.
As a Premier Banking Advisor for the Laval and Pointe Claire markets, Melissa Morin Fleurelien works as a single point of contact, providing banking and credit solutions for select clients of Wealth Management Canada and their families. Partnering with Investment Advisors and Counsellors across the region, she provides personalized service and tailored advice to help clients save time and effectively manage their day to day banking needs.
With 15 years of experience in financial services with RBC, Melissa is respected by her clients, her peers and the industry.
Melissa is committed to giving back to her community, and volunteers with a community garden, participates in the JDRF Ride to Defeat Diabetes and the United Way. Melissa also volunteers and is the Hockey Team Manager for Associates des Braves d’Ahuntsic and is Vice-President, Board of Directors Cooperative Alphonse Desjardins.
Born and raised in Montreal, Melissa is a dedicated wife and mother of two children. When she is not hard at work for her clients, you’ll find Melissa spending time with her family and friends, playing golf, doing yoga or generally doing sports. She is interested in reading and philosophy and is fluently bilingual in both French and English.
Nathalie Elharrar-Noik, BA, LL.B, TEP
Vice-President, High Net Worth Planning Services, RBC Wealth Management
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).
Karen Loupelle joined RBC Financial Group in 1991 and has gained a unique understanding of high-net-worth clients’ needs through roles with Royal Trust, RBC Investments, and RBC Dominion Securities.
Mrs. Loupelle has earned the Financial Planner designation granted by the Institut québecois de planification financière (IQPF) in 2004. She has 13 years of experience as a Financial Planner, ten of which were spent with the Compass Financial Planning team dealing with high-net-worth individuals, and she is studying for her CPA with McGill University.
Karen’s role is to work with and support your advisor in preparing and presenting comprehensive Compass Financial Plans.
Richard Cléroux, MBA, LL.B, F.Pl., FCSI, CIM, CFP®, JD
Financial Planner, RBC Wealth Management Financial Services Inc.
Richard has a Master in Business Administration (MBA) and a bachelor degree in Civil Law (LL.B.) from University of Sherbrooke as well as a bachelor degree in Common Law (Juris Doctor) from Queen’s University in Kingston. He is a Fellow of the Canadian Securities Institute (FCSI), a Canadian Investment Manager (CIM), a Certified Financial Planner Professional (CFP) from the Financial Planner Standard Council and a Financial Planner from the “Institut Québécois de Planification Financière” (F.Pl.).
Before joining RBC Wealth Management Services in 2015, Richard worked in the securities industry with Canadian and American brokerage firms and with the Montreal Exchange, where he worked as a Trader, Banker, Financial Advisor, Private Advisor and Financial Planner. He also spent three years in a Montreal based law firm specialized in business law.
Richard’s role is to work with and support your advisor in preparing and presenting comprehensive Compass Financial Plans for clients.
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.
Prior to joining RBC Wealth Management, Michael Neudorf specialized in personal, estate and corporate planning for clients in a national law firm. In particular, Michael focused on providing tailor-made service to clients by assisting them in navigating through personal and legal issues in the most tax-efficient manner.
Michael obtained his Bachelor of Law (LL.B) in 2015 from the University of Montreal and was called to the Barreau du Quebec in 2016. Michael also holds a B.A. from McGill University in Political Science and History. In continuing his studies, Michael is currently pursuing a Master’s Degree in Taxation from the University of Sherbrooke.
Michael is an active member of the Canadian Tax Foundation, the Association de planification fiscale et financière, the International Fiscal Association and the Canadian Bar Association.
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.
As an Estate and Trust Advisor, Patrizia Tornetta has been servicing clients throughout Québec. She brings more than 15 years’ in estate and trust industry experience to her role.
Patrizia’s depth of experience, coupled with her professionalism and dedication to client service, serves her well in her current role. She understands that the role of liquidator is a difficult one and will take the time to make sure that clients are aware of the complete range of estate and trust resources offered by RBC. As an expert focused on liquidator services, she helps liquidators to identify where RBC can help to lift the burden of an executorship, whether in a simple administrative capacity helping with specific tasks or in a more comprehensive manner carrying out the entire estate settlement process on their behalf.
Patrizia started her career in 1998 and specialized in estate settlement as a Trust Officer. She continues to deepen her knowledge and expertise with key industry designations and obtained her MTI Estate and Trust Professional designation from the Canadian Securities Institute.
Our highly skilled Estate and Trust Advisors can discuss estate settlement and administration services, trustee services, trust structures, and other specialized services offered through RBC Royal Trust throughout Canada. Patrizia can provide customized solutions to help individuals carry out liquidator duties and can help to expedite the settlement process, and maximize the estate’s value through knowledgeable handling of estate and tax issues. Our reputation for excellence in estate and trust services has been earned through serving Canadians for over a century.
Noel Bonnici, FCIA, FSA
Vice-President & Financial Security Advisor, RBC Wealth Management Financial Services Inc.
When everything matters.
For the most critical situations and most complex clients, it is Noel who gets the call.
Noel is different because of what he calls Science and Simplicity: as a Fellow of the Canadian Institute of Actuaries, he has the deepest knowledge – yet advisors and clients remark upon how simply he articulates the most complex issues.
Simply put, Noel and his team are called in when everything matters. They are never outplanned. Their vision is to be nothing less than world leaders in life insurance solutions for affluent families.
With over 25 years in financial services, Noel has an intense enthusiasm for work and life that sets him apart (including a habit of grabbing the mic and a passion for extreme sports), and a belief that the best can be even better.
Stéphane Duclos, B.Comm., F.Pl.
Financial Security Advisor, RBC Wealth Management Financial Services Inc.
It’s all about the client.
Keeping your best interest at the forefront and working to ensure your satisfaction, Stéphane’s approach to business follows a very simple principle, “Would I present this solution to my family?”
Wealth planning and its associated concepts can be quite complex but Stéphane’s goal is to always keep things simple. He has built his career around a model of being service-oriented that ensures your needs are both understood and met.
“It’s important that you leave our meeting feeling confident and empowered, knowing you have the tools and solutions in-hand to make the right decisions for your future.” With over 25 years of financial services experience, Stéphane continues to be as passionate about his work today as he was on his first day.