Steve Melnick, CFP, PFP

Prior to joining RBC, Eugene was a Tax Manager at one of the world’s leading accounting firms where he spent many years providing tax compliance and tax planning services to high net worth individuals, private companies and First Nations.

Eugene is a Chartered Accountant (CPA, CA), a Certified Financial Planner (CFP), and holds a Bachelor of Business Administration degree from Simon Fraser University. He has completed and tutored the Canadian Institute of Chartered Accountants’ In-Depth Tax Course and completed the Advanced Tax Issues for the Owner-Managed Business Course.

Eugene believes that planning is critical to helping people meet their financial goals. Eugene’s role is to work with and support your advisor in preparing and presenting comprehensive Compass Financial Plans.

Inder is a Chartered Professional Accountant (CPA, CA), a Certified Financial Planner professional, and has completed the CPA In-Depth Tax Course. She holds a Bachelor of Science and a Diploma in Accounting from the University

of British Columbia. Prior to joining RBC, Inder amassed over eight years of experience in public practice at two distinguished and established accounting firms. As a tax

manager she specialized in providing Canadian tax solutions to a wide range of clients and industries. Her experience includes tax planning, estate planning, and corporate reorganizations for high-net-worth families and business owners. Inder’s role is to work with and support your advisor in preparing and presenting your Compass Financial Plan and to identify and assess any related financial

planning concerns you may have.

Specialized financial planning

At RBC, we recognize that with greater financial resources, comes greater financial complexity. To help you properly coordinate your financial matters and optimize the unique opportunities available to you, we are pleased to offer

you our highest level of financial planning. Personally prepared by Inder, a Financial Planning Specialist, your comprehensive Financial Plan will provide recommendations specific to your situation. Your plan will consider strategies

to maximize your cash flow, reduce taxes, ensure your retirement lifestyle, protect your financial security, transfer wealth to your next generation tax-efficiently and make the most of your philanthropic legacy. In appreciation

of your business, your advisor is pleased to offer this service to you on a complimentary basis.

Gali obtained a Bachelor of Science degree in Biology from the University of Victoria in 2000, and a Bachelor of Laws (LL.B.) degree from the University of British Columbia in 2005. She was called to the British Columbia Bar in 2006.

Prior to joining RBC Wealth Management, Gali practiced law in both Vancouver and Victoria, specializing in the areas of Wills and estates, and corporate/ commercial law. She has been a guest speaker for seminars and podcasts on estate law topics, and is a contributor to professional development with the Canadian Bar Association Wills and Estates, and Elder Law sections.

Memberships include the Law Society of British Columbia, the Canadian Bar Association and the Estate Planning Council of Canada. Gali is also a designated Trust and Estate Practitioner (TEP) with the Society of Trust and Estate Practitioners (STEP).

Tim began his career in the financial services industry in 1992. He has built a reputation as a capable advisor, mentor, trainer and knowledgeable estate planning and insurance professional. In collaboration with your trusted advisors, Tim follows a proven process featuring a customized, client-centric, goals-based approach to create, protect, enhance and transfer wealth.

In addition to a bachelor's degree in political science and an MBA, Tim is also a Certified Financial Planner, a Chartered Life Underwriter and a Certified Health Insurance Specialist.

Tim has called Vancouver Island home since 1980 and settled in Victoria, B.C., in 1985, where he enjoys the west coast lifestyle with his wife, two sons, extended family and friends. Tim coaches youth soccer, is an avid cyclist and loves to walk his dog Sam.

As a Premier Banking Advisor for the Victoria and South Vancouver Island region, Chelsea Girardin works as a single point of contact, providing banking and credit solutions for select clients of Wealth Management Canada. 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 2 years' experience in financial services at RBC, Chelsea thrives on delivering the best client experience to all her clients. She is respected by her clients, her peers, and the industry. She has received top performer recognition for her diligent and effective work with clients and partners. Chelsea is committed to giving back to her community and volunteers for the BC Children's Hospital and local community events. Chelsea currently resides in Mill Bay. When she is not hard at work for her clients, she enjoys spending time outdoors, reading, practicing yoga, and playing golf.