Whether your goals include converting the equity in your business into an enhanced retirement benefit, planning for your children's or grandchildren's expenses or your desire to leave a family legacy, RBC Wealth Management Services team members can provide advice and suggest strategies to achieve your goals in a tax efficient manner. Your RBC Advisor can build on these strategies by suggesting potential solutions, which can then be implemented in coordination with your own tax and legal professionals.
Brad Boback, CPA, CA
Financial Planning Specialist
Brad became a Chartered Professional Accountant and a Certified Financial Planner after graduating from the University of Calgary with a Bachelor of Commerce Degree. He has been working in the financial services industry since 1992 both as an advisor and as a financial planner and he brings extensive expertise and experience to help professionals, business owners and other high net worth individuals with their financial planning needs.
Brad’s role is to work with and support your advisor in preparing and presenting you with a comprehensive Compass Financial Plan and to help identify and address any financial planning concerns or opportunities you may have.
Nicole Todosichuk, B.Comm, LL.B, TEP
Will & Estate Consultant
Nicole received her Bachelor of Commerce Degree (Deans List) in 1991 and her Bachelor of Law degree in 1999 from the University of British Columbia. She clerked at the British Columbia Supreme Court from 1999 to 2000 and was called to the British Columbia Bar in 2000. Nicole has also completed the Canadian Institute of Chartered Accountants In-depth Tax Course.
Prior to joining RBC, Nicole practised law for ten years in downtown Vancouver, first at a national law firm and then at a boutique tax and trust law firm. Nicoles practice focused on the implementation of tax and estate plans, Wills, domestic and offshore trusts, charities and business succession. Nicole is a member of The Society of Trust and Estate Practitioners (STEP), the Canadian Bar Association Wills and Trusts Section and Charities Section and the Canadian Association of Gift Planners. Nicoles significant practical experience in estate planning allows her to offer valuable guidance in the development of your estate plan.
Stephen has practiced in the financial services industry since 1982 and is a Chartered Life Underwriter (CLU). Prior to joining RBC, he held various client advisory and senior management roles.
Working closely with your advisor, Stephen employs a comprehensive process to assess your wealth management needs and then recommends creative, tax-exempt insurance strategies to help address them. For more complicated situations, he works with your other professional advisors in the development of appropriate solutions.
Stephen can focus on both personal and corporate insurance solutions to help increase your net worth, reduce the impact of taxation and secure your wealth. He can also assist you in structuring your insurance contracts to ensure your wealth is transferred to your heirs in accordance with your wishes. To help you receive high-quality, cost-effective insurance solutions, Stephen evaluates various insurance offerings from Canada’s top-ranked insurance providers
Patrick (Rick) Montens, TEP
Will and Estate Advisor with Royal Trust
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. He works collaboratively with both the client and their trusted advisors to help craft a comprehensive and effective state 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 Estate & Trust Services 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.
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.
Robert Chow, CFP, FCSI
As a Private Banker with RBC Wealth Management, Robert Chow provides a holistic approach to wealth management, discrete financial counsel, and tailored financial solutions to a select group of high net-worth clients through B.C. Interior.
Mr. Chow holds a Bachelors of Business Administration degree from Okanagan College/University of B.C. To support his wealth management and financial planning discussions, he holds a Certified Financial Planning (CFP) designation, and Personal Financial Planning (PFP) designation. He is also a Fellow of CSI, which represents the highest honor and most senior credential in Canadian financial services. It is reserved solely for an elite group of experienced financial services professionals that meet the highest standards for advanced education, ethical conduct, industry experience and peer endorsement.His deep breadth of experience enables him to develop customized short/long term credit solutions, cash management solutions, and sophisticated banking solutions to meet the evolving needs of his clients.