A team approach to professional wealth management

The RBC Wealth Management Services team works closely with us to provide strategies to help reduce your taxes, plan for your retirement and protect your legacy.

With over 250 highly accredited tax, legal and financial professionals, the industry-leading RBC Wealth Management Services team helps us provide the integrated wealth management solutions you would normally only expect to find at a family office acting for Canada's wealthiest families.

From comprehensive financial plans to guidance on complex tax and legal issues, this team of highly skilled specialists helps your Investment Advisors create an integrated family wealth management strategy, which can be implemented in coordination with your existing tax and legal advisors.

The team’s areas of expertise include:
• Retirement planning: Helping you meet your retirement income goals and maximize your after-tax retirement income
• Financial planning: Creating a comprehensive strategy to help you stay on track to meeting your financial and life goals
• Taxation: Implementing strategies to help reduce your family’s tax burden
• Business ownership planning: Helping you effectively transition from your business while reducing taxes and maximizing retirement assets
• Estate and trusts: Efficiently transferring your wealth to the next generation
• Insurance solutions: Providing financial security, tax reduction, enhanced retirement income and legacy protection
• Charitable giving: Helping you maximize your charitable legacy

Tom Ratkovsky

Investment Advisor

905-988-5885 | Email me

Upon graduating from McMaster University in 1979, Tom worked in Toronto for an investment dealer both as an equity trader and in the research department. He joined RBC Dominion Securities as an Investment Advisor when he returned to St. Catharines in 1981. Tom builds long-term relationships with his clients and their families, taking the time to get to know them and understand their goals. He takes every opportunity to use the resources available from RBC Wealth Management to provide all-encompassing services and plans.

Away from the office, Tom has been involved in various charities over the years including volunteering with United Way, sponsoring the Mainstream Golf Tournament and previously sitting on the Hospital Foundation Board and St. Catharines Rowing Club board. He enjoys golfing, canning and cooking with family and friends.

Andrew Ratkovsky

Associate Investment Advisor

905-988-5877 | Email me

Courtney Usborne

Senior Associate

905-988-5392 | Email me

Our Extended Team

Rebecca Henri, CFP®, TEP

Financial Planning Specialist, RBC Wealth Management

Suzanne Schultz, CPA, CA, CFP®

Vice-President & Estate Planning Specialist, RBC Wealth Management Financial Services Inc.

Catherine Nicholls, LL.B, TEP

Vice-President & Will & Estate Consultant, RBC Wealth Management