PHIL COUSINS - Key Persons
Job Titles:
- Branch Operations Manager
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.
Job Titles:
- Estate Consultant
- Will & Estate Consultant, RBC Family Office Services
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.
From humble beginnings, growing up the son of a father who was a small business owner and mother who was a banker, Jonathan was destined to be a byproduct of both, forging his own path as an entrepreneur and investor. "My parents provided me with a solid foundation for understanding that success doesn't come without a strong work ethic."
For Jonathan, his values in becoming a trustworthy steward of other peoples hard earned wealth was a responsibility that should be taken with the outmost respect and gratitude. Which meant himself being a successful investor in all facets of financial markets and bringing real world experience to the table when managing assets for his clients. "There's no greater responsibility I bear than when someone decides to include me in managing their financial affairs." Jonathan sought out to become a well-rounded investor, voraciously reading anything to do finance, macroeconomics, real estate and self-help. A natural-born entrepreneur, Jonathan leaped and never turned back, he built and managed a successful investment real estate portfolio for over a decade, acquired professional mentorship in risk management trading to truly comprehend the internal plumbing of financial markets. Jonathan's been a profitable trader in all market environments and humbly understands to not be married to a thesis. "Profits will naturally compound when you learn to mitigate risk and control drawdowns."
Jonathan is also an educator in the space, mentoring individuals from basic market principals to options trading, he has been a feature guest in live interviews on Facebook and other social media investment groups. Jonathan is a strong advocate in financial literacy and sees a need to help people feel comfortable talking about money so that they can feel confident in planning their financial future. "I am fortunate to be in a place where I can give back and help others understand this complex world of financial jargon and shed some light in a rather opaque space."
With decades of client facing experience in financial services, Jonathan has built and fostered countless relationships with his clients and within his community, serving affluent families, business owners and professionals. Bringing a family office experience to his practice in collaborating with industry leading experts in business succession planning, estate planning, private banking, tax strategy, trusts and insurance. Jonathan is building a one-stop shop for a holistic financial strategy to help navigate every life stage so that you can spend more time with what truly matters.
As a 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 help craft a comprehensive, effective estate plan that meets their particular 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. Called to the bar in 2016, she is a member of the Law Society of Ontario, the Junior Trust and Estate Practitioners (JTEP), the Canadian Bar Association (CBA) and the Ontario Bar Association (OBA), as well as a full member of the Society of Trust and Estate Practitioners (STEP). Prior to obtaining her law degree, Lesley 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. Before joining RBC Royal Trust, Lesley worked under one of Toronto's top will and estate planners and completed her articling term at one of Toronto's top estate litigation firms. 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. The combination of her professional experience and her commitment to provide practical solutions makes Lesley an invaluable resource for both clients and their financial advisors.
As a trusted partner of your advisor's team, Peter champions the integration of insurance solutions as an essential part of holistic wealth management planning. Peter joined RBC in 2017. He has spent over 25 years in the financial services industry primarily focused on helping clients fulfill their financial dreams. Believing that it is never too early to plan, Peter is there to help discuss and provide solutions to protect yourself, your loved ones and your business in the event of the unexpected. Peter received a Bachelor of Arts (BA) degree from the University of Toronto and holds the Personal Financial Planner (PFP) designation. He is passionate about spending time with his two younger daughters and faithfully cheering on his hometown team, the Toronto Raptors.
Job Titles:
- Chartered Professional Accountant
- MTax / Financial Planning Associate, RBC Family Office Services
Ryan is a Chartered Professional Accountant (CPA) and is currently pursuing his Certified Financial Planner (CFP) designation. He has completed the Master of Taxation graduate degree from the University of Waterloo and holds a Bachelor of Commerce from Toronto Metropolitan University with a major in accounting and minor in finance. He is a member of the Canadian Tax Foundation.
Prior to joining RBC, Ryan was employed as a Tax Manager at one of the leading global accounting firms. He specialized in providing personal, corporate, and estate planning services to high-net-worth individuals and their owner managed entities. His work focused on tax minimization strategies and reorganizations.
Ryan believes that planning is critical to helping people meet their financial goals. Ryan's role is to work with and support your advisor in preparing and presenting your Compass Financial Plan.
Job Titles:
- Premier Banking Advisor, RBC Royal Bank
As a Premier Banking Advisor, Shelly Lall works as a single point of contact, providing personalized service and tailored advice to help save time and effectively manage day-to-day banking and credit needs for select clients of Wealth Management Canada and Partnering with Investment Advisors and Counsellors across the Vaughan, New market and Aurora Region.
Shelly holds her FP1 Financial Service Advice Certification and has been providing exceptional client experience in Financial Services with RBC since 2001. Shelly is respected by her clients and industry peers. She has received top performer recognitions on a regular basis and is also a proud recipient of RBC Convention Award.
Shelly has continued on delivering holistic advice and helped clients reach their financial goals. Shelly's proven collaboration success along with her business growth mindset is a great strength and asset for RBC premier banking and RBC wealth management Canada.
Shelly believes in giving back to community as she supports Women of Prayer Charity, where she motivates & encourages other women in tough times. Shelly enjoys listening to music, travelling & spending time with her family & friends.
Job Titles:
- Private Client Insurance Specialist, RBC High Net Worth Insurance
Teresa Anastasopoulos is a Private Client Insurance Specialist. Through a personalized risk assessment approach, she provides tailored insurance solutions to protect your client's wealth, possessions and lifestyle.
Teresa has over 26 years of industry experience. Prior to joining RBC, she was a trusted Account Executive at brokerages such as Gallagher and Jones DesLauriers. Teresa holds a Chartered Insurance Professional (CIP) and Canadian Accredited Insurance Broker (CAIB) designation with the Insurance Institute of Canada.
Teresa is proud to represent RBC Private Insurance and is passionate about providing best in class service. Together with her team, she will work with your client to protect what matters most.