Extended Team

You’re the biggest beneficiary.

Colin Ardill stays humble. Even so, he’s not shy about being a man on a mission: to overturn 150 years of misunderstanding about life insurance, one day at a time.

Most Canadians see only one dimension to life insurance: that it’s of no use to the living. But Colin sees it in three dimensions. There is the death benefit that everyone can see – but life insurance also provides tax-exempt growth, and it allows the holder to spend more money in retirement than they otherwise could. Says Colin: “The person buying the policy is going to be the biggest beneficiary.”

Colin has been in the estate planning business for over 15 years. His core purpose – the heart of everything he does – is to leave everyone he meets better off.

Scott is a Chartered Professional Accountant (CPA, CA). He obtained his Honours Bachelor of Commerce degree from the Michael G. DeGroote School of Business at McMaster University. Prior to joining RBC, Scott gained a unique understanding of planning for the owner-manager through various roles in the public accounting industry over the past 15 years. In his previous role as a senior tax manager, he specialized in providing tax advisory, tax minimization strategies, corporate reorganizations and estate planning services to high-net- worth individuals and owner-managed businesses.

Scott has over 10 years of Canadian taxation experience. He has completed
all three levels of CPA Canada’s In-Depth Tax Course and is a member of the Canadian Tax Foundation. Scott’s role is to work with and support your financial advisor in preparing and presenting your comprehensive Compass Financial Plan and to identify and assess any related financial, tax and retirement planning concerns you may have.

Joanne obtained her Bachelor of Arts and Bachelor of Laws degrees from the University of the Witwatersrand, South Africa. She earned her Juris Doctor degree from the University of Victoria, Canada. She was called to the Ontario Bar and is a member of good standing with the Law Society of Ontario.

Prior to joining RBC Wealth Management, Joanne has had a rich and varied career working in both large and small firms in private practice as well as working for a number of years as in-house counsel for a large international technology company. In the last few years in private practice, Joanne specialized in the areas of will and estate planning, estate administration, trust planning, and family business succession planning.

As a Wills and Estate Consultant, Joanne provides comprehensive estate planning services to clients.