RBC Wills & Estate

John Simes , LL.B.

Will and Estate Consultant, Wealth Management Services

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

John attended the University of Manitoba and received a Juris Doctor in 2002. Prior to joining RBC Dominion Securities John worked with a prominent national law firm and a large trust company where he gained extensive experience in estate administration, Wills, trusts, powers of attorney and personal directives.

John is a member of The Law Society of Alberta, The Canadian Bar Association and The Calgary Bar Association.
 

M.C. (Mike) Macoun, CLU, CHS

Vice President and Estate Planning Specialist

M.C. (Mike) Macoun offers effective solutions to the problems of excess taxation, estate preservation, and business succession faced by many of our firm's clientele.

Mike's relationships with top-ranked insurance companies are a great asset when working tosecure your wealth. Specializing in estate planning, Mike provides solutions to various wealth management issues, and can focus on both personal and corporate solutions to help increase your net worth and reduce the impact of taxation today and at death.

Mike was born in Hamilton, Ontario and raised in the Greater Toronto Area, and arranged Miami (Ohio) University on a hockey scholarship. He entered the financial services industry in 1988 with a major Canadian insurer in its executive training program.

Following his initial success there, he opened his own financial planning practice in Calgary in 1995, specializing in estate palanning and employee benefits planning for individuals and business owners. In 1997, Mike formed a partnership with one of the largest independent mutual fund providers in Canada, and became a partner/manager in their Estate Planning Department for Western Canada.

Mike is an active member of both ADVOCIS (Canadian Association of Insurance Professionals) and CALU (Conference of Advanced Life Underwriting). Additionally, he has obtained the Chartered Life Underwriter (CLU ) and Certified Health Insurance Specialist (CHS ) designations. He lives in Calgary with his wife and two children. He is active in community organizations and is a past President of Bow Balley Hockey Society, a non-profit minor hockey organization for youths.

 

Eric Milner, CLU, CHS

Estate Planning Specialist

Eric is a valuable member of your advisor’s team, helping you create, preserve and increase your wealth by incorporating insurance solutions into your comprehensive financial plan. He is able to provide innovative and tax-efficient solutions to various wealth management needs.

Having begun his career in the financial services industry in 2003, Eric has a diverse range of experience working in both sales and management positions, within a variety of Canadian life insurance companies. He joined RBC WM FS in 2014.

With experience in both personal and corporate insurance planning, Eric is able provide unique and customized solutions to meet your needs and maximize the financial and tax advantages of insurance products. He focuses on wealth management solutions to manage financial risk, business succession planning and maintaining family harmony, and assist in the realization of philanthropic goals.

Focused on continual learning, Eric obtained a Bachelor’s degree (BA) from Ambrose University College along with a number of industry designations including the Chartered Life Underwriter (CLU) in 2012, followed by the Certified Health Specialist (CHS) in 2014. He has also completed and obtained the Canadian Investment Manager (CIM) designation in 2010. Along with the above educational pursuits, Eric 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.
 
Eric lives in Calgary with his wife and four children and enjoys an eventful social life. He is actively involved in community organizations and is an avid reader.

Comprehensive Insurance Planning
Working closely with Foss Wealth Management, both Eric and Mike employ a comprehensive process to assess your wealth management needs and then recommend creative, tax-exempt insurance strategies to help address them. For more complicated situations, they will work with your other professional advisors in the development of appropriate solutions.

Eric Milner and Mike Macoun 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. They can also assist you in structuring your insurance contracts to ensure your wealth is transferred to your heirs in accordance with your wishes. To help you receive high-quality, costeffective insurance solutions, Mike and Eric will evaluate various insurance offerings from Canada’s top-ranked insurance providers.


High Net Worth Planning

Coady Cormier B.B.A. (Finance), LL.B., TEP

Vice President, High Net Worth Planning Services

Coady has assisted high-net-worth and ultra-high-net-worth families with tax and estate planning since 1992. His guidance supports clients in their relationship with their external professional advisors, with whom he frequently interacts.

His expertise includes tax and estate planning for executives, business owners, professionals, retirees and those individuals with U.S. issues.

Coady’s background includes the CICA In-Depth Tax Course (Parts I, II and III ), a law degree from Dalhousie Law School and a finance degree from Bishop’s University. Called to the Ontario Bar in 1992 and the Alberta Bar in 1998, Coady honed his expertise as a tax, legal and estate professional in private practice, in government and while with a trust company.

Coady is a member of the Canadian Tax Foundation, the Canadian Bar Association (Southern Alberta Branch, Tax Specialist and Wills Sections) and the Society of Trust and Estate Practitioners (Canadian Chapter, Calgary Branch). He holds a Full Life Insurance Licence in Alberta.

To schedule a meeting with Coady Cormier, please contact us.


 Faisal Jamal, CPA, CA

Vice President, High Net Worth Planning Services

Faisal specializes in tax and estate planning for high net worth families.

Prior to joining RBC, Faisal was a tax senior manager with a mid-size accounting and advisory firm, as well as with a multi-national accounting firm. Faisal’s expertise includes tax and estate planning for high net worth individuals and families, professionals, and business owners.

Faisal is a Chartered Accountant and his educational background includes the completion of the CICA’s in-depth tax course (Level I, II and III), a Bachelor of Arts in Economics from the University of Victoria, and a Masters of Professional Accounting from the University of Saskatchewan. He is also a member of the Canadian Tax Foundation.

Wealth Planning Consultation
Faisal and Coady work closely with Foss Wealth Management to identify strategies and solutions to structure your affairs in a manner that addresses your overall wealth planning needs, customized to meet your personal, family, and business planning objectives, which you would then discuss and implement with your accountant or lawyer.

 

Monika Zarzycki BBA, CA

Financial Planning Specialist

Monika received her Bachelor of Business Administration (major Accounting) from Mount Royal University. She is a Chartered Accountant (CA) and has completed Level 1 and 2 of the Canadian Institute of Chartered Accountants’ In-Depth Tax Course.

Prior to Joining RBC, Monika was employed as a tax manager at one of Canada’s largest public accounting firms where she specialized in accounting, tax planning and compliance services for individuals, owner-managed and corporate clients.

Monika's primary role at RBC is to work together with advisors In preparing and presenting comprehensive Compass Financial Plans.

Specialized Financial Planning
At RBC, we recognize that with greater financial resources, comes greater financial complexity. 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 Monika, 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.