Carol Howorucha, MBA, CFP, CIM, FCSI

Associate Portfolio Manager & Wealth Advisor

705-645-7626 | Email me

With 25 years of experience in the financial planning industry, Carol has developed a wealth of knowledge and an unprecedented passion for her profession. Alongside her extensive experience, Carol holds an MBA from York University’s Schulich School of Business, and has earned her Certified Financial Planner (CFP) as well as Financial Management Advisor (FMA) designations. Carol has also recently completed her Chartered Investment Manager (CIM) designation.

Aware of the constant evolution of the industry, Carol recognizes the value of learning and adapting to these changes and actively engages to maintain a thorough knowledge of all aspects of the industry. Taking regular courses on new programs and developments, Carol and her team consistently apply the industry’s leading, most innovative financial strategies while also keeping with the "Tried and True" methods of wealth management. This ensures that her clients’ retirement, estate, philanthropic and business succession plans are achievable.

In 1993, Carol and her husband Steve moved from Toronto to Bracebridge. On weekends you can now find Carol, Steve, their two kids, and quirky family dog down by their river-front enjoying what Muskoka has to offer. Whether on her snowshoes in the winter or in her kayak during the summer, Carol's outdoor hobbies keep her busy when she's away from the office.

Sharon Johnson


705-645-2465 | Email me

Sharon comes to us with more than two decades of experience working with both banking and financial firms. She brings with her extensive knowledge of the industry and she knows what works and what doesn't when it comes to successful customer service for clients. Sharon is the first voice you will hear when you call the office and she almost always has the answer you're searching for right at her fingertips. On the rare occasion she doesn't, her excellent research skills come to the foreground and she will persist until she finds the information you need. 

Beginning her career in the small northern town of Elliot Lake, she quickly uncovered an aptitude for the field and moved to North Bay to expand her horizons and develop her skills. Sharon has now settled in Muskoka and is working exclusively alongside Carol at RBC Dominion Securities to provide clients with the security and professionalism they deserve.  


Extended Team


Janice Walsh, CA, CFP, TEP

Financial Planning Specialist

Janice is a Chartered Accountant, Certified Financial Planner and member of the Society of Trust and Estate Practitioners. She completed her Honours Bachelor of Business Administration at Wilfrid Laurier University. Janice also holds the Chartered Life Underwriter and Chartered Financial Consultant designations.

Janice has held various positions in the insurance and financial services industry. Her professional experience includes providing tax, trust, estate, retirement and financial planning services to high net worth clients and their advisors. Janice joined RBC Dominion Securities in 2005.

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 Janice Walsh, 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 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.


Ariel-Charles Guigui, B.Adm., LL.B., TEP

Will & Estate Consultant

Ariel graduated from the University of Ottawa with a degree in Business Administration in 1992, and from the Faculty of Law in 1994 where he served on the editorial board of the Law Review. He was called to the Ontario Bar in 1996. Prior to joining RBC, Ariel spent 5 years teaching Real Estate Law and Estate Law at La Cit Collgiale in Ottawa.

For the previous 12 years, Ariel held several positions at a major trust company, culminating in the role of Trust Manager.

Ariel is a member in good standing of the Law Society of Upper Canada, and the Society of Trust and Estate Practitioners (Canadian chapter). His significant practical experience in estate planning and administration allows him to offer valuable guidance during the creation of your estate plan.

Ariel works closely with your advisor to provide you with information on structuring your estate in an efficient and tax-effective manner. Following your meeting, Ariel will provide you with a report outlining various estate planning issues for you to explore in further detail with your own lawyer or accountant.


Chris Machan

Associate Financial Planning Consultant

Chris graduated with a Business Management Financial Services diploma prior to joining the financial services industry in 2003. He has also successfully achieved the designation of Certified Financial Planner (CFP), Financial Management Advisor (FMA), as well as Fellow of the Canadian Securities Institute (FCSI).

Prior to joining RBC Dominion Securities, Chris worked as a Banking Officer with a Canadian chartered bank as well as a Financial Advisor with a large wealth management firm. His experience includes providing financial planning services to clients, including credit, investment, retirement planning, tax planning and estate planning advice.

Chris believes financial planning is extremely valuable in helping clients achieve their goals for overall long-term financial well-being. Chris' role is to work with, and support your advisor in preparing and presenting comprehensive financial plans.


Colin Ardill

Estate Planning Specialist

Colin began his career in the Financial Service industry in 2005 and is a specialist in his field. He is pursuing several professional financial services designations.

Colin employs a comprehensive process to assess client needs and then recommends creative, tax-exempt insurance strategies that will help them achieve their wealth management objectives. For more complicated situations, Colin will partner with your other professional advisors in the development of appropriate solutions.

Colin can focus on both personal and corporate insurance solutions to help increase your net worth, reduce the impact of taxation and secure your wealth through a variety of life insurance, annuity, and living benefits solutions. He can also ensure your wealth is transferred to your heirs in accordance with your wishes. To help in this endeavour, Colin has access to insurance solutions from the top-ranked insurance providers in Canada.