Financial planning
Mathieu Audy, MBA, F.Pl., TEP
Financial Planning Specialist, Family Office Services, RBC Wealth Management
Mathieu holds a Master of Business Administration (MBA) and a Bachelor’s degree in Finance from Université Laval. He is also a qualified Trust and Estate Practitioner (TEP) and a Financial Planner (F.Pl.) duly registered under the Institut québécois de planification financière (IQPF).
Prior to joining RBC Wealth Management, Mathieu was manager of the financial services branch in a Canadian securities firm where he provided sophisticated wealth management planning to High Net Worth individuals.
As a Financial Planning Specialist at RBC Family Office Services, Mathieu works jointly with your advisor to prepare and present your comprehensive Compass Financial Plan.
Nelly Hermitte, M.Law, F.Pl.
Financial Planning Specialist, Family Office Services, RBC Wealth Management
Nelly holds a Master’s of Business Law from Université Paris 1 (Panthéon- Sorbonne), and a D.E.S.S. in International Business Law from Université Paris Descartes.She received her financial planner designation from the Institut québécois de planification financière (IQPF) in 2004.
Nelly has over 15 years of experience as a financial planner. Before joining RBC, Nelly worked with financial advisors’ clients to optimize their financial position and wealth by creating strategic action plans customized to their needs.
Estate planning
Joseph Di Niro, LL.B, D.D.N.
Will & Estate Consultant, Family Office Services, RBC Wealth Management
Prior to joining RBC Wealth Management, Joseph Di Niro began his career as a Notary in private practice at a notarial firm in Montreal. During this period, Joseph developed an expertise in Will and estate planning and also acquired specialized knowledge in estate settlements and non-contentious matters. To further his knowledge in the field of taxation, Joseph later joined a multinational accounting organization, where he specialized in tax planning for individual and corporate clients. Member of the Board of Notaries of the Province of Quebec (Chambre des Notaires du Québec) since 2010, Joseph obtained his Notarial Law Degree (D.D.N.) from Université de Montréal in 2009, after having obtained his Bachelor of Law (LL.B.) from the Université de Québec à Montréal (UQAM) in 2007. Joseph is currently pursuing a Master’s Degree in Taxation from the University of Sherbrooke.
Insurance planning
Daniel C. Duchesne, CLU, MBA, F.Pl., FEA
Financial Security Advisor, RBC Wealth Management Financial Services Inc.
As an Estate Planning Specialist, Daniel Duchesne gives advisors and their clients something they weren’t expecting. A different discussion about life insurance – one in which they are completely comfortable.
As Daniel puts it, “So many clients say: ‘Why has no one had this discussion with me before?’ The image they had of life insurance is transformed. They say, ‘Wow – I didn’t know insurance could do that.’”
Daniel has an innate ability to put those around him at ease – by simplifying complex matters. His goal is to have two happy clients, the advisor and their client.
Everything he and his team do is for one single reason – to help clients preserve and enhance personal and corporate wealth. They are always asking themselves: “If the client was our parent, would we recommend the same thing?”
Ana's reputation is built on the outstanding level of service she provides. Motivated by a strong desire to help clients achieve their wealth goals, her focus as an Estate Planning Specialist is to build trust and loyalty first rather than only helping with a snapshot of their financial situations.
Driven to make an impact, Ana emphasizes building strong relationships and spends time making sure people are heard while addressing their concerns. She identifies and recommends the right solutions to meet both current and future lifestyle needs while minimizing risk to their existing wealth.
Ana joined the financial services industry in 2006 after receiving her degree from Concordia University in Mathematics and Statistics (BA). It was there that her analytical side and attention to detail flourished and shone. Ana is passionate about sports and a devoted fan of her hometown team, the Montreal Canadiens.
Stéphane began his career in the financial services industry in 1997 as a Financial Security Advisor. Intent on helping his peers succeed, he was promoted to a management role in 1999. Over the years, he has taken on ever-increasing responsibilities. Specializing in estate planning solutions, Stéphane is proficient at proposing and implementing innovative and effective tax solutions in response to a variety of wealth management needs. He designs personalized, insurance-based solutions, both for individuals and corporations, to help increase their net value, reduce the tax burden and protect wealth by relying on insurance solutions including life, living benefits and life annuity products. Stéphane is also able to assist you in setting up your policies to ensure that your wealth is transferred to your heirs according to your wishes.
Fiduciary services
As a Senior Will and Estate Advisor for the Quebec Region, Tiziana Cirigliano brings an approach to estate planning that centers on understanding and addressing the unique needs of each client.
Tiziana works collaboratively with clients, their families and trusted professionals, to craft a personalized multi-generational estate plan that incorporates Wills, testamentary and inter vivos trusts, and protection mandates. Through this process, she helps clients ensure the protection of their patrimony and facilitates its smooth transfer to the next generation.
Tiziana’s technical expertise complements her skill set in managing
the complexities of family dynamics. She brings a compassionate, knowledgeable perspective that is welcomed by families who may be struggling with the difficult decisions that often accompany estate planning, whether it’s protecting an heir with a disability, providing for children from
a previous union, minimizing family conflict or dealing with beneficiaries or assets that are situated outside of Canada.
Fully bilingual, Tiziana holds a Bachelor of Laws (LL.B.) and a Diploma in Notarial Law (D.D.N.) from the Université de Montréal, as well as a Bachelor of Arts in Political Science from McGill University. In addition to her education, she has been a member of the Chambre des notaires du Québec since 2006.
Banking services
En sa qualité de Conseillère, Banque Privée Première, dans les marchés de Québec, Saint-Georges et Chicoutimi, Marie-Christina Boisrond agit en tant que point de contact unique auprès de la clientèle de RBC Gestion de patrimoine - Canada ainsi que de leur famille pour leur offrir des solutions bancaires et de crédit personnels. En collaboration avec les Conseillers en placement de sa région, elle offre des services et des conseils personnalisés aux clients afin de leur faire économiser du temps et répondre efficacement à leurs besoins bancaires courants.
Après plus de 7 ans dans le domaine financer et notamment à RBC au cours des 5 dernières années, Marie-Christina a été reconnue pour son service à la clientèle hors pair, son leadership et son esprit d'équipe, faisant d'elle une personne-ressource dans son milieu.
Déterminée à avoir un impact positif sur sa collectivité, Marie-Christina s'est impliquée avec enthousiasme dans différentes causes au sein de RBC, notamment avec le défi FRDJ - Roulons pour le diabète et comme bénévole à la journée emballage de cadeau pour les enfants du Centre multiethnique de Québec.
Marie-Christina est née et a grandi à Québec, elle a eu la chance de faire des études en langues et de passer plusieurs mois sur plusieurs années aux États-Unis, ce qui lui permet d'accompagner sa clientèle en français, en anglais et en espagnol.
Marie-Christina aime passer du temps avec sa famille et ses amis, faire des activités extérieures ou faire du sport. Elle a un intérêt marqué pour tout ce qui touche les voyages. Elle aime beaucoup découvrir de nouveaux endroits et elle et toujours prête pour une nouvelle aventure.
En sa qualité de Conseillère, Banque Privée Première, dans les marchés de Québec, Beauce et Chicoutimi, Glaphyra Elodie Révolus agit en tant que point de contact unique auprès de la clientèle de RBC Gestion de patrimoine - Canada ainsi que de leur famille pour leur offrir des solutions bancaires et de crédit personnelles. En collaboration avec les Conseillers en placement, elle offre des services et des conseils personnalisés aux clients afin de leur faire économiser du temps et répondre efficacement à leurs besoins bancaires courants.
Avec plus de cinq années d'expérience en matière d'offre exceptionnelle de service à la clientèle et trois années d'expérience dans le secteur des services-conseil en solutions bancaires au sein de RBC, Glaphyra croit en l'importance de l'approfondissement des relations avec les clients, tout en répondant à leurs besoins immédiats et en explorant d'autres opportunités judicieuses pour une prestation de service conseil supérieure.
Déterminée à avoir un impact positif sur sa collectivité, Glaphyra s'est impliquée avec enthousiasme dans les causes au sein de RBC, notamment la campagne Centraide, ainsi qu'au sein de sa collectivité en étant membre de la Fondation Haïti Partage.
Glaphyra est née et a grandi en Haïti et a déménagé avec toute sa famille au Canada au début de son adolescence. Elle a su garder un amour pour sa patrie d'où sa passion pour la musique haïtienne et antillaise. Glaphyra a un intérêt poussé pour la découverte de cultures étrangères à travers la lecture de livres historiques écrits par des auteurs étrangers. Elle aime aussi pratiquer le volleyball et surtout le badminton et tente d'approfondir ses compétences dans ces activités sportives.
With more than 25 years of loyal service at RBC, Carole Gherlenda assumed the position of Private Banker in Quebec City in 2010. Having gained eight years' experience in human resource management, she appreciates the personal contact that her new position dedicated to high net worth clients affords. Her background as Account Manager, Business Financial Services in large urban centres has helped prepare her to provide effective advice to business people who benefit from RBC Private Banking services.
Working as a Financial Planner since 2002, Ms. Gherlenda has a Master in Business Administration (MBA). The development and wealth management of a small group of clients suits her perfectly; in fact, in addition to providing a personalized service, she is able to focus on her clients' individual needs and consider all aspects of their lives, be it family, business, succession, or other matters. “I enjoy visiting my clients in their own environment to better understand their needs. This way, everyone benefits from the best services available, from the more simple daily banking solutions to the more sophisticated and intricate planning solutions based on their personal situation.”
Ms. Gherlenda coordinates a number of specialized services with experts to whom she refers in all circumstances. This reflects the true strength of RBC Private Banking—offering a single point of reference for the latest services and advice most suited to the client's profile. “We work together with the right people to identify the most appropriate solution for each of our clients.”
Wealth management calls for comprehensive expertise to provide an exceptional service, one that makes the clients' lives so much easier. “We are part of our clients' business entourage, and sometimes even their families! Trust is something we earn. We are therefore always available, making sure our clients can count on our support every day.” Carole Gherlenda's passion for human relations is her key motivating factor.
Other specialties
Paule Gauthier, CPA, CA, LL.M, TEP
Vice-President, High Net Worth Planning Services, Family Office Services, RBC Wealth Management
Paule specializes in tax and estate planning for ultra-high-net-worth families.
Her guidance supports clients in their relationships with their external professional advisors, with whom she frequently interacts.
Paule has a Bachelor’s degree in Commerce from l’École des Hautes Études Commerciales (HEC) and a Master’s degree in Tax Law from the Montreal University. She has completed the Securities Dealers Course from the Canadian Securities Institute.
As a Chartered Professional Accountant, Paule has more than 30 years of experience in tax and estate planning consulting, in CA firms as well as in life insurance and securities dealer companies. Paule is a frequent lecturer at annual conferences and technical seminars of l’Association de planification fiscale et financière and other professional associations and an active writer of reference papers on tax and estate planning topics.
Paule is a member of the executive committee of STEP Montreal and is regularly involved in various committees of the Association de planification fiscale et successorale. Paule is a member of the Ordre des comptables professionnels agréés du Québec, the l’Association de planification fiscale et successorale, the Canadian Tax Foundation, the International Fiscal Association and the Society of Trust and Estate Practitioners.