Financial Planning Specialist
Marlena Pospiech, B.Comm., TEP, CFP
Financial Planning Specialist, Family Office Services, RBC Wealth Management
Marlena is a Bachelor of Commerce (Finance) graduate from Concordia University, and a Certified Financial Planner professional. She also holds a Trust and Estate Practitioner (TEP) designation from the Society of Trust and Estate Practitioners (STEP) in Canada and is fluently trilingual (English, French and Polish).
Marlena has more than 20 years of extensive wealth management experience ranging from being a key note conference speaker, to also being a national TV, print and radio media spokesperson, and managing an RBC branch.
She also spent many years in financial advisory roles where she provided technical research, support and wrote articles on complex tax, trusts, estates and retirement matters. Most recently, Marlena has been providing holistic comprehensive wealth planning services to high-net and ultra-high net-worth business owners, professionals, physicians, and retirees.
Marlena’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.
Will and Estate Consultant
Carol Dalgado, LL.B, LL.M, TEP
Will & Estate Consultant, Family Office Services, RBC Wealth Management
As a Will & Estate Consultant, Carol Dalgado provides comprehensive estate planning services to clients.
Carol graduated from the University of Toronto with a Bachelor of Arts degree. She obtained her Bachelor of Laws degree from the University of Western Ontario and went on to obtain her Master of Laws (Trusts) degree from Osgoode Hall Law School. She holds the designation of TEP (Trust and Estate Practitioner) from the Society of Trust and Estate Practitioners (STEP). She is a member of the Law Society of Ontario, the Estate Planning Council (Toronto), the Estate Practitioners’ Group and STEP.
Carol has held various roles within the estate and trust industry in which she has provided guidance on estate, trust and incapacity planning, administration and litigation issues. Carol worked in private practice for over ten years before joining RBC Wealth Management in 2015.
Daniela obtained her Bachelor of Science from the University of Toronto in 2010 and her LL.B. from the City University of London in 2013. Daniela completed her articles at a small boutique litigation firm before being called to the Bar in 2015.
Prior to joining RBC, Daniela practiced in the area of Wills, Estates and Trusts in law firms ranging in size from small to mid-size. She advised clients at all stages of succession matters including assisting with estate and succession planning, estate administration and estate and fiduciary litigation. As part of her estate and succession planning practice, Daniela also assisted business-owner clients with corporate reorganizations, including estate freezes. In addition, she assisted estate trustees with navigating the complex world of administering estates, as well as assisted clients with guardianship applications and various estate and fiduciary disputes.
Daniela is bilingual and able to provide services to RBC clients in Spanish
Estate Planning Specialist
Adam Littlejohn, CLU, CFP®, TEP
Estate Planning Specialist, RBC Wealth Management Financial Services Inc.
Envision, Create & Preserve - Wealth Planning Designed For You
Adam began his career in the financial industry in 2009 and has worked for several major Canadian insurers. Experienced in both personal and corporate insurance planning, he has the knowledge to tailor wealth solutions that maximize the financial and tax advantages of insurance products.
Adam's philosophy stems from dedication to his own family. He believes that the cost to safeguard yourself, your loved ones and legacy is insignificant when faced with the alternative - inaction. Having the ability to apply innovative solutions, he will help to protect what is most valuable to you. Pursuing ongoing education ensures that his expertise aligns with the industry's most recognized designations. He holds the Certified Financial Planner® (CFP), Chartered Life Underwriter® (CLU) and Trust and Estate Practitioner (TEP) designations as well as an Honours B.A in Political Science.
Senior Trust Advisor
As a Senior Will and Estate Advisor for the Greater Toronto Area, Lesley Donsky brings an approach to estate planning that centers on understanding and addressing the unique needs of each client, working collaboratively with both the client and their trusted advisors to develop a comprehensive and effective estate plan.
Whether clients hope to protect a disabled heir, incorporate succession planning for their business, address the unique concerns arising from second spouses and blended families, minimize family conflicts, or deal with beneficiaries or assets that are situated outside of Canada, Lesley can help craft a tailored estate plan that meets their individual needs.
Lesley is a graduate of the University of Windsor Faculty of Law with a Juris Doctor degree and holds a Trust and Estate Practitioner (TEP) designation. She is a member of the Law Society of Ontario, the Canadian Bar Association (CBA) and the Ontario Bar Association (OBA), the Estate Planning Council of Canada and the Junior Trust and Estate Practitioners Group (JTEP), as well as a full member of STEP Canada.
In 2022, Lesley was nominated and shortlisted for the Young Practitioner of the Year Award through the STEP Client Awards, which recognizes excellence among practitioners who demonstrate great promise in the industry.
Before joining RBC Royal Trust, Lesley worked at two of Toronto’s top will and estate planners and estate litigation firms. In addition to her law degree, she earned an Honours Bachelor of Arts in Sociology and Criminology from Western University, where she was awarded the Gold Medal in Criminology for her academic achievement.
The combination of Lesley’s professional experience and commitment to providing practical solutions make her an invaluable resource for both clients and their financial advisors.
As a Senior Trust Advisor, Manish Gosrani is responsible for managing a complex book of accounts. He works with individuals, families and businesses throughout Toronto and the GTA to provide customized estate, trust and incapacity solutions.
Whether it is helping someone to settle an estate, establishing a trust to ensure the successful transfer of family assets, or arranging to assist with the administration and responsibilities for a Power of Attorney, Manish can help.
Manish has more than 25 years of wealth management experience in Canada and the UK. He holds a Bachelor of Law degree (LL.B), is a Certified Financial Planner (CFP) and is working towards his Trust and Estate Practitioner (TEP) designation to further strengthen his industry knowledge and expertise.
Manish has a deep understanding of priorities and needs of wealth advisors and delivers well balanced advice by staying abreast of product, industry, investment, tax and legislative developments. With a career focused on building client relationships, he brings to each client the necessary skill set to provide both the technical expertise as well as the genuine understanding of the emotional complexities that underlie these issues. He is dedicated to providing assistance in the preservation, management and transfer of wealth between generations by providing solutions to implement clients’ estate, trust and philanthropic plans
Private Banker
As a Private Banker with RBC Wealth Management, Private Banking, Rubina Baronian provides comprehensive wealth management and financing strategies to high-net-worth business owners, executives, professionals and their families throughout the greater Toronto area.
Ms. Baronian works closely with her clients to provide seamless, unparalleled banking and financial solutions for their often-complex banking and credit needs. As needed, she may partner with specialists in Canada and in key markets worldwide in tax, estate and investment planning from across RBC to provide a complete range of investment management, estate planning and philanthropic strategies, domestic and international trust services. Through this customized Private Banking experience, her clients are able to simplify the many detail of their financial lives and focus on their career and personal goals.
With over 30 years at RBC, Rubina Baronian brings tremendous banking experience to her Toronto-area Private Banking clients, their families and their businesses. Her main experience is as a dedicated Financial Planner serving over 300 high-net-worth clients. She's been a 4 time recipient of the RBC Cruise Convention and a 4 time Platinum award winner as a Financial Planner, Investment and Retirement Planning.
She holds the Specialist - Trust Institute Diploma (STI), and the Personal Financial Planner (PFP) designation.
Premier Banking Advisor
As a Premier Banking Advisor for Toronto, Marzena Hladowczak, works as a single point of contact, providing banking and credit solutions for select clients of Wealth Management Canada and their families. 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 over 7 years of experience in financial services with RBC, Marzena has become a respected member of the banking community in which she works, and has received top performer recognition.
Born in Poland and raised in Toronto from age 14. When she isn't hard at work with her clients, you"ll find her taking part in a yoga class, indulging in literature or out in a nature hike as embracing the outdoors and being active are two of her greatest passions.
Maria Ivanova joined the financial industry in 2007 as a dedicated and client-centered Advisor. She has gained a strong understanding of client needs and comprehensive knowledge of personal and small business banking products and services. Prior to joining the RBC Wealth Management team, she has held different positions including Client Advisor, Banking Advisor and Deputy Branch Manager.
As a Premier Advisor with RBC Wealth Management, Maria Ivanova provides banking and credit solutions for select high net worth individuals and their families. Acting as a single point of contact, she partners with Investment Advisors and Counsellors across the region and provides personalized service, and tailored advice to efficiently manage their day-to-day banking needs.
Maria brings an extensive background in client relationship management to her role as a Premier Banker. With 10 years of experience in financial services with RBC, Maria is respected by her clients and industry peers, and has received numerous awards and recognition. She graduated with a diploma in Accounting and possesses as master's degree in Finance. Maria also holds the following professional designations: Investment Funds in Canada, Personal Financial Services Advice, Personal and Family Financial Planning.
Away from the office, Maria is quite busy at home with her two daughters. Maria is also a community activist and volunteers at Ronald McDonald house and Salvation Army. She actively supports newcomers and newly graduated students by career coaching on LinkedIn. Maria loves spending time with her family and friends. She frequently travels and enjoys visiting new places.