Keith Pavo

Vice President & Investment Advisor

306-956-5227 | Email me
306-956-5252 | Connect

Keith is an Investment Advisor, who along with his Team, provide individualized investment solutions to Foundations, Charities, Corporations and High Net Worth individuals. A life long Saskatchewan resident, Keith is a graduate of the University of Saskatchewan, with a Bachelor's Degree in Agricultural Economics. Keith has been with Royal Bank since 1988 in numerous management roles, and his current position with RBC Dominion Securities since 1996. Keith's focus and specialization has been with Organizations and Individuals requiring customized investment solutions reflective of their unique needs. He remains actively involved in the family farm at Birsay, Saskatchewan.

Lori Waughtal


306-956-5240 | Email me

Derrick Ng

Investment Advisor

306-956-5227 | Email me

Regan Espeseth

Investment Advisor

306-956-5227 | Email me

Wealth Management Services Team

Helping you manage your investments is just one way we can help you manage your overall financial concerns. In addition to investing and money management, we offer assistance with financial planning, Wills & Estates, and insurance strategies.

Colin Biblow

Estate Planning Specialist

Colin is a valuable member of your advisors team, helping you create, preserve and increase your wealth by incorporating insurance into your comprehensive financial plan. Specializing in estate planning, Colin is able to provide innovative and tax efficient solutions to various wealth management issues. Additionally, he is able to focus on personal and corporate solutions while addressing needs related to estate preservation, excess taxation and farm and business succession planning.

Colin began his career in the insurance industry in 2002 working for a national wealth management firm, focusing on investment management and insurance solutions. He joined RBC in 2011.

Attending the University of Reginas Faculty of Administration, Colin completed his degree in 2002. He has earned his Certified Financial Planner (CFP) and Financial Management Advisor (FMA) designations. He is also a member of ADVOCIS, The Financial Advisors Association of Canada, which is the oldest and largest voluntary professional membership association of financial advisors and planners in Canada.

Colin lives in Saskatoon with his wife and daughter. He is very active in community organizations and volunteers numerous hours throughout the year with a variety of community service groups.

Contact us today for an initial consultation.

Or learn more about how insurance solutions can protect and build your wealth.

Lance Dimond

Financial Planning Consultant

Lance attended the University of Manitoba where he completed a Bachelor of Commerce degree (Honours). He holds the Certified Financial Planner (CFP) and Financial Management Advisor (FMA) designations.

With over 16 years of professional experience in the financial services industry, Lance has a wealth of knowledge in helping clients develop solutions for their long-term financial security and goals. Lance spent five years in Personal Financial Services at RBC Royal Bank, and eight with a leading national wealth management provider. He specialized in providing financial planning services to advisors and their high-net-worth clients.

His background in wealth management is a valuable asset to clients who want an effective financial plan that helps them achieve their goals and maximize their wealth.

Lances role is to work with and support your Investment Advisor in preparing and presenting comprehensive Financial Plans.

Contact us today for an initial consultation.

Or learn more about how financial planning and effective tax strategies can help you achieve your financial goals.

Donald Bell, B.A., LL.B., CFP, R.F.P., TEP

Will & Estate Consultant

A graduate of the University of Winnipeg, Donald Bell received his Bachelor of Laws degree from the University of Manitoba, and was called to the Manitoba Bar in 1984. Donald is a practicing member of the Law Society of Manitoba and has also earned the Registered Financial Planner (R.F.P.), Chartered Financial Planner, Certified Financial Planner (CFP), and Trust and Estate Practitioner (TEP) designations.

Donald Bell is a lawyer who has held senior positions with several investment and life insurance companies. He has extensive experience from both the head office and field perspective in the areas of wills, estates, taxation, insurance, financial and retirement planning. Donald provides analysis and development of advanced estate, tax, insurance and wealth planning strategies for high net worth clients, working in conjunction with their advisors.

Donald is a member of the Society of Trust and Estate Practitioners (STEP), the Institute of Advanced Financial Planners and the Financial Planners Standards Council (FPSC). He has taught regularly for the CSI Global Education Inc. (formerly known as the Institute of Canadian Bankers) on various planning and compliance matters. He has spoken at many industry gatherings including the Strategy Institute and the C.A.F.P. Annual Conventions on investment, estate, financial planning, and insurance matters. In addition, he has spoken at numerous public seminars on these topics.

Donald is also very active in his community where he is involved with a number of charitable organizations.

Contact us today for an initial consultation.

Or learn more about how Will and estate planning can help you achieve your financial goals.

Ralph Conia

Estate & Trust Advisor

As Estate and Trust Advisor in Winnipeg, Ralph Conia provides estate and trust solutions for executors and families throughout Manitoba and Saskatchewan.

Mr. Conia is the dedicated liaison between named executors and the complete range of estate and trust services offered by RBC. Fluent in both English and Italian, he acts as a compassionate, expert third partyfor executors, helping to relieve their administrative burden and manage their estate settlement duties.

His extensive background in both financial planning and real estate development has honed Mr. Conias skill in dealing with the complexities of estate settlement. Using his strong communication skills, he works with his colleagues in RBC Estate and Trust Services to bring the best expertise and advice to executors and beneficiaries. Together, he and Estate and Trust Services can help to relieve an executors administrative burden, expedite the settlement process and maximize an estates value through knowledgeable handling of estate and tax issues.

Mr. Conia is also an expert in RBCs Agent for Executor solutions, which may include specific trust and estate expertise related to administration or complete management of the estate settlement, depending on the needs and wishes of executors.

With RBC since 1997, Mr. Conia has earned his Personal Financial Planning designation, achieving the highest average in Manitoba in his graduating year. A graduate of the University of Manitoba with Bachelor of Arts and Bachelor of Commerce (Honours) degrees, he regularly updates his skills through internal and external training. His dedication to client service has garnered him numerous awards throughout his career.

Mr. Conia has an entrepreneurial interest in business, financial and property development. He continues to participate in the acquisition, improvement and maintenance of various properties. He is also an avid collector of vintage automobiles.

Professional referrals

The best results are achieved working in partnership with a team of professionals with expertise in other areas related to the management of your wealth. This includes legal, accounting and banking professionals. If you have an existing relationship with professionals in these areas, we will be happy to work with them to ensure were all on the same page. If you require a referral, we are happy to offer you access to our extensive professional network.

The expertise of Canadas leading wealth management provider

Through The Keith Pavo Group you have access to the resources and expertise of RBC Dominion Securities Canadas leader in wealth management. This includes an unparalleled selection of investments, plus top ranked research and strategy to help you make informed choices.

Because investing is just one aspect of managing your wealth, we also provide a range of services that address your various tax, estate and financial planning needs. In addition, several banking and insurance services are available through our partners in RBC.