Private Client Fiduciary Services - British Isles

Transcription

1 RBC Wealth Management Private Client Fiduciary Services - British Isles Meet The Team RBC employs more than 30 s and Associate Directors across Guernsey, Jersey and London. With specialist credentials in trust and estate planning as well as qualifications in accountancy, law, investment and taxation, they possess an in-depth understanding of the intricacies encountered in the arenas of estate and succession planning, as well as an awareness of the related tax issues, regulatory concerns and prevailing legislation. Collectively, they service the wealth and estate planning needs of clients from all corners of the world, including the Americas, Europe, Asia, the Middle East and Africa. Meet the team: Stuart Rutledge CEO, RBC Wealth Management - British Isles & Caribbean +44 (0) [email protected] Based in Jersey, Stuart is CEO of RBC s Wealth Management operations in the UK, Channel Islands and Caribbean. He also serves as a member of the Operating Committee of RBC Wealth Management and, as Chair of RBC s Global Trust Advisory Board, oversees its trust business across the British Isles, Caribbean, Europe, Asia and the US. A graduate of McMaster University and Wilfred Laurier University where he attained a Bachelor of Engineering and Masters in Business Administration respectively, Stuart joined RBC in 1999 and has held a number of senior roles during his time with the organization. Prior to assuming his current role in October 2012, he was Head of RBC Wealth Management s Global Wealth Services group, with responsibility for developing and delivering best practice investment, credit and wealth solutions to clients, as well as the development and execution of RBC Wealth Management s strategy and global brand and marketing initiatives. Stuart served as Chief Financial Officer of RBC Wealth Management from 2007 to Steve Romeril Head of Trust, British Isles +44 (0) [email protected] Based in Jersey, Steve heads the British Isles based Private Client Fiduciary business of RBC Wealth Management. In this capacity, he is responsible for the company s trust operations in Guernsey, Jersey and London. A Fellow of the Institute of Chartered Secretaries and Administrators and the Association of Accounting Technicians, and member of the Society of Trust and Estate Practitioners, Steve joined Abacus Financial Services Group ( Abacus ) in 1980, where he held the position of Head of Fiduciary Services and Wealth Planning. In addition to overseeing the growth of Abacus into one of the world s leading providers of fiduciary services, Steve also directed a number of teams that serviced the wealth management needs of individuals, families and business groups from around the world, particularly those with connections to Africa, Europe and the UK. Steve joined RBC in 2005, following the company s acquisition of Abacus. He assumed his current role in 2007.

2 Truusje Gamlin Head of Fiduciary Asset Management +44 (0) Based in Jersey, Truusje is Head of Fiduciary Asset Management. In this capacity, she provides leadership to a team of professionals responsible for the administration, data and document management, recordkeeping and reporting structures administered by the British Isles fiduciary business. Truusje is a member of the main operating board with joint responsibility for growth, operational and risk management strategies. A member of the South African Institute of Chartered Accountants, Truusje joined Abacus Financial Services Group ( Abacus ) in 1997 with the remit of centralising the trust administration functions and executing change to deliver excellent client service and an integrated and growing business. Truusje joined RBC in 2005, following the company s acquisition of Abacus. She assumed her current role in Henry Kierulf Head of Fiduciary Relationship Management +44 (0) [email protected] Based in Jersey, Henry is Head of Fiduciary Relationship Management and oversees the provision of trust and fiduciary services to high net worth individuals and their families, delivered by Private Client Trust Directors from RBC s offices in Guernsey, Jersey and London. He also has overall responsibility for strategy, business development and client services. A member of the Canadian Institute of Chartered Accountants, Henry embarked on a career in financial services in 1988 after graduating from Concordia University and then McGill University with a Bachelor of Commerce and Graduate Diploma in Accountancy respectively. His first position was with Ernst and Young in Canada where he specialized in the provision of audit, accounting, tax and advisory services advice to high net worth individuals and corporate clients. Henry moved to Barbados in 1994, initially with PwC, before joining RBC s investment operation in After seven years in Barbados, he transferred to Cayman, where he was appointed Managing Director of RBC s Cayman Islands office with responsibility for banking, trust and mutual fund administration services. After spending a year in London as Chief Operating Officer of RBC s British Isles Investment Management business, Henry was appointed a Director of RBC s trust operation in Jersey in 2005, before assuming his current role in Alan Pearce Managing Director - Guernsey +44 (0) [email protected] Based in Guernsey, Alan is the Managing Director of Guernsey s trust operation and oversees the provision of trust and fiduciary services delivered by the team to its global client base. He specializes in Canadian immigration planning and has established a number of tax-efficient structures for high net worth individuals and families moving to Canada. A member of the Society of Trust and Estate Practitioners, the Trust Companies Institute of Canada and the Canadian Tax Foundation, Alan entered private client wealth management three years after embarking on a career in financial services in 1972, gaining experience in accountancy, offshore trusts and related issues in Jersey throughout the 1970s. He moved to Canada at the beginning of 1981 and spent the next 13 years with a prominent trust company in Canada. In 1993, Alan joined another of Canada s major financial institutions and spent five years as part of a core management team, assisting in the development of their trust company from a start-up operation. He returned to the Channel Islands in 1998 to assume responsibility for RBC s trust operation in Guernsey. During his career, Alan has delivered a number of presentations on Canadian estate planning issues and offshore planning and, in 1996, authored the Canadian Trust Companies Institute s training material on the subject of offshore trusts. He also designed and now delivers RBC s global in-house trust training program. Janine Ward Head of Business Management +44 (0) [email protected] Based in Jersey, Janine is Head of Fiduciary Business Management for the Channel Islands and is responsible for strategic planning, management reporting and business administration, as well as for leading new initiatives and projects on behalf of the Private Client Fiduciary Services Board. Janine joined RBC in 2011 having worked previously in strategic and operational roles in Business Management and Human Resources, in both the public and private sectors in Jersey. A member of the Chartered Institute of Personnel, Janine is a BA (Hons) Social Administration graduate, has a Masters in Business Administration, and holds the IoD Diploma in Company Direction.

3 Henry Wilson Head of Fiduciary Structure Management and Managing Director - Jersey +44 (0) [email protected] Based in Jersey, Henry is Head of Fiduciary Structure Management and Managing Director of the Jersey trust operation, with responsibility for both fiduciary risk management and the application of fiduciary conduct across the business. Henry is a member of the main operating board, with joint full time responsibilities for the growth, operational and risk management strategies of the British Isles trust business. Formerly a, he was responsible for a portfolio of mainly UK based private clients with a particular emphasis on landed estates and related business interests. A Fellow of the Association of Chartered Certified Accountants, Henry started his career with PwC in Ireland before joining the Jersey practice in 1982, where he worked in the audit practice until he switched disciplines in 1991 to the trust and fiduciary practice of Abacus Financial Services Group ( Abacus ). He joined RBC in 2005 following the company s acquisition of Abacus. John Heaps Market Leader - UK +44 (0) [email protected] Based in Jersey, John manages a portfolio of needs of clients from the UK, Russia, Ukraine, Kazakhstan and Georgia. He also has overall responsibility for developing new business in the UK and visits London on a regular basis to meet with professional advisors and clients. A Fellow of the Institute of Chartered Accountants (England and Wales) and member of the Society of Trust and Estate Practitioners, John has worked in Jersey s finance industry since moving to the Island in Prior to assuming his current role with RBC in 2004, he was Director and Head of Trust and Fiduciary Services for a leading private bank in the Channel Islands. Paul Hunter Market Leader - US and Latin America +44 (0) [email protected] Based in Jersey, Paul manages a portfolio of needs of clients from the UK, Jersey, Brazil, Mexico, Argentina and Columbia. Fluent in English, Spanish and French with a basic understanding of Portuguese, he is responsible for developing new business in the US and Latin America. Administrators and member of the Chartered Insurance Institute, Paul started his career working as a statistician for a major UK charity in 1992, after graduating from Bristol University with a BA (Hons) degree in French and Spanish. He entered the financial services industry in 1995, joining Abacus Financial Services Group, which was acquired by RBC in Sarajane Kempster Market Leader - Middle East and North Africa +44 (0) [email protected] Based in Jersey, Sarajane manages a portfolio the needs of clients from the UK, Dubai, Abu Dhabi, Kuwait, Bahrain, Saudi Arabia, Qatar and Oman. She also has overall responsibility for developing new business in the Middle East and North Africa. Administrators, Sarajane began her finance career in 1986 in the fund sector with a prominent investment company. She moved into the private client trust sector in 1997, joining Mourant Private Wealth ( Mourant ) where she was a Director and part of the management team. She joined RBC in 2009, following the company s acquisition of Mourant.

4 Mandy Langmead Market Leader East Asia and Canada +44 (0) Based in Guernsey, Mandy manages a portfolio of international high net worth individuals and families, and has experience in servicing the wealth management and estate planning needs of clients from the UK, Canada, Hong Kong, Taiwan, China, UAE and Saudi Arabia. She also has overall responsibility for developing new business in East Asia and Canada. An Associate of the Chartered Institute of Bankers, Mandy began working in Guernsey s finance industry in 1986 and has spent most of her career in private client wealth management. She joined RBC in 1987 as a Trust Administrator and following several promotions was appointed to the position of Director. Phil Le Vesconte Market Leader Russia and CIS +44 (0) [email protected] Based in Jersey, Phil manages a portfolio of families, and has experience in servicing the wealth management and estate planning needs of clients from the UK, US, Hong Kong, France, Netherlands, Russia, Kazakhstan, Ukraine and Georgia. Phil also has overall responsibility for developing new business in Russia and the CIS. A Fellow of the Institute of Chartered Accountants (England and Wales) and member of the Society of Trust and Estate Practitioners, Phil has worked in the finance industry since His first role was with a leading accountancy firm, where he gained experience in audit, accounts preparation and associated investigations work. In 1994, he entered private client wealth management, joining Abacus Financial Services Group ( Abacus ) where he had responsibility for managing a portfolio of CIS clients, specifically those from Kazakhstan, Ukraine and Georgia, as well as UK residents including entrepreneurs, hedge fund managers, private equity executives and beneficiaries of family wealth. Phil became a Director of Abacus in 2000 and joined RBC in 2005, following the company s acquisition of Abacus. Gregory Adams +44 (0) [email protected] Based in Jersey, Gregory manages a portfolio the needs of clients from the UK, Canada and US. In his current role, he administers a variety of assets, including diversified investment portfolios, private company shares, real estate and art, and undertakes estate and succession planning for high net worth clients connected to North America through citizenship, domicile, residence or investment. A Fellow of the Institute of Chartered Accountants (England and Wales), a member of the Institute of Chartered Accountants (Canada) and qualified Attorney (Barbados) and Barrister (England and Wales), Gregory has held senior roles in Canada, Barbados and Jersey during his career in private client wealth management. Prior to assuming his current role with RBC, he was a Partner at Ernst & Young. Alan Binnington +44 (0) [email protected] Based in Jersey, Alan manages a portfolio of needs of clients from the UK, France, Singapore, Hong Kong, Switzerland and the US. Given Alan s background as a trust lawyer, a key element of his role involves working closely with RBC s fiduciary professionals and families legal advisors on the resolution of contentious matters and challenges to trust structures. He is also heavily involved in business development and has spoken and written on a variety of technical fiduciary subjects, including international trust law, philanthropy, foundations and Sharia compliant trusts. Alan currently sits on the editorial board of the Jersey and Guernsey Law Review, is President of the Jersey Association of Trust Companies, Deputy Chairman of Jersey s Institute of Law, one of Jersey s Law Commissioners and an Academician of the International Academy of Estate and Trust Law. A member of the Society of Trust and Estate Practitioners and Association of Contentious Trust and Probate Specialists, Alan embarked on a legal career following the completion of a law degree at St. Catharine s College, Cambridge. After qualifying as an English Barrister, he returned to Jersey and qualified as a Jersey Advocate in 1984, before being appointed a Crown Advocate. Alan was a Partner in the Jersey law firm Mourant du Feu & Jeune from 1985 to 2009, specializing for many years in commercial litigation and the formation and administration of structures for high net worth families. He joined RBC in 2009, following the company s acquisition of Mourant Private Wealth.

5 Daniel Bisson +44 (0) Based in Guernsey, Daniel assumes a business development role, which involves maintaining and developing relationships with key intermediaries, supporting clientfacing fiduciary teams in their business development endeavours and raising awareness about RBC s global fiduciary capability. His core focus is Latin America and the planning and establishment of fiduciary structures for clients from this region, including foundations, trusts, unit trusts, limited partnerships and private trust companies. Daniel is particularly well versed in cross-border, immigration and succession planning. A member of the Society of Trust and Estate Practitioners, Daniel began his career in financial services in 1997 with an international trust company, where he managed a portfolio of ultra high net worth Brazilian and Venezuelan clients with international business and financial interests. Daniel joined RBC in 2009 and was promoted to Director in Trish Cameron +44 (0) [email protected] Based in Jersey, Trish manages a portfolio of needs of clients from South Africa and the US. In addition to administering a variety of assets such as cash, marketable securities and real estate, Trish frequently manages significant business transactions on behalf of clients. In recent years, she has been involved in the purchase of a franchise food business in the UK, the redomicilation of a trust to the Caribbean and dealt with some complex tax planning situations for a number of clients. Administrators, Trish began her financial career in 1984 at a prominent owner managed trust company, before joining Abacus Financial Services Group in 2000 which was acquired by RBC in She became an Associate Director in Trish has completed both the Jersey Company and Trust Administration Certificate. Gerard Chinniah +44 (0) [email protected] Based in Jersey, Gerard manages a portfolio the needs of clients from the UK, Egypt, Kenya, Zimbabwe, India, New Zealand, South Africa and the UAE. In addition to administering a variety of assets, such as cash, marketable securities, real estate and private companies, Gerard frequently manages significant business transactions on behalf of clients and institutions. In recent years, he has managed the restructure of the business interests of a prominent European family, was involved in the first cross border merger involving a Jersey company and has overall responsibility for managed trust company arrangements in the Middle East and Europe. A member of the Society of Trust and Estate Practitioners, Gerard entered the financial services industry in 1988 when he joined RBC after graduating from Jacksonville University in Florida in 1987 with a BSc degree. After holding roles in relationship management, financial planning and management consulting in Canada, Gerard transferred to RBC in Jersey in Gerard has earned financial planning designations from both the Institute of Canadian Bankers and the Financial Planners Standards Council of Canada, and holds an MBA from York University in Ontario. Tim Clarke +44 (0) [email protected] Based in Jersey, Tim manages a portfolio of needs of clients from the UK, Greece and Eastern Europe. In addition to administering a variety of assets, such as cash and marketable securities, real estate and family businesses, he frequently manages significant business transactions on behalf of clients. In recent years, he has managed the restructuring of significant family assets through the use of a Jersey Family Partnership and is regularly involved in the execution of bespoke offshore tax planning for UK resident, non-domiciled individuals and their families. A member of the Society of Trust and Estate Practitioners, Tim started his career in financial services in 1987 when he joined the trust subsidiary of a major UK bank, where he gained substantial experience in both investments and private client wealth management. He joined RBC Wealth Management in 2004 as a Manager and was promoted to Associate Director in 2012.

6 Ian Cuming +44 (0) Based in Jersey, Ian manages a portfolio of needs of clients from the UK, Portugal and the Middle East. In addition to administering a variety of assets, including investments in property, managed funds, venture capital and unquoted companies, Ian is specifically involved in a family trust structure which owns significant international interests in the airline, telecommunications, health and finance industries. He has also managed a number of investments that have evolved from the stage of private company start-up to stock market flotation. Ian has worked in private client wealth management since As well as having extensive experience in trust administration, Ian also has relevant experience in fund administration, as he spent four years working within the firm s asset management department. He joined RBC in 2005, following the company s acquisition of Abacus Financial Services Group. Mark Fleming +44 (0) [email protected] Based in Jersey, Mark manages a portfolio and families, and has experience in servicing the wealth management and estate planning needs of clients from the UK and the US. In addition to administering a wide variety of assets, such as private and quoted investments and commercial and residential property, Mark frequently deals with significant business transactions on behalf of clients. In recent years, he has managed the sale of two major London properties for 12 million and million for two of RBC s largest clients, and a controlling interest in a fund of hedge fund business in a deal that could reach well over 100 million. An Associate of the Institute of Chartered Accountants (England and Wales) and a member of the Society of Trust and Estate Practitioners, Mark entered the financial services industry in 1999 after graduating from Kings College London with a BA (Hons) degree in Geography. He began his career as a Graduate Trainee at KPMG where he qualified as an accountant and was appointed an Assistant Manager of the company s auditing department. Mark moved into private client wealth management with RBC in 2005 and assumed his current role in Barry Gowdy +44 (0) [email protected] Based in London, Barry s role involves establishing and administering property unit trusts. Barry works closely with corporate finance firms, lawyers and other professional advisors in the structuring of a range of property funds. A member of the Institute of Chartered Accountants (England and Wales) and the Chartered Institute of Taxation, Barry started his career in financial services in Following a period as a Partner in a firm of accountants, he retrained as a lawyer commencing his legal studies at the College of Law in 1996 and then at Exeter University where he gained a LLM in International Business Law with Distinction. He joined RBC in John Hunter +44 (0) [email protected] Based in Guernsey, John assumes a business development role, which involves working alongside clients and their advisors in the planning and implementation of complex estate planning solutions. He has established a wide range of trusts and other fiduciary structures, including private trust companies, reserved powers trusts and partnerships, often for families with extensive international interests and those connected to forced heirship jurisdictions. John also has extensive experience in the development of tax-efficient structures for clients moving to new jurisdictions, particularly Canada. A member of the Society of Trust and Estate Practitioners and Chartered Institute for Securities and Investment, John began his career in private client wealth management in He has held several senior roles with a number of major financial institutions, the most recent of which was at a leading private bank where he was European Head of Business Development and a Director of their Trust Department. Throughout his career, John has travelled extensively, covering a number of countries in the Far East, the Middle East and Europe. He has also authored various articles on trusts and relationship management.

7 Julie Kleis +44 (0) Based in Jersey, Julie manages a portfolio of needs of clients from the Middle East, UK and Canada. As well as managing a diverse range of assets, such as marketable securities, family businesses, real estate and private equity, Julie frequently deals with the business interests of a portfolio of entrepreneurial clients. In recent years, she has been involved in the sale of a range of businesses, from bus companies and wine companies to technology and system providers. Julie has also redomiciled a number of Jersey companies to other jurisdictions and established a number of tax-efficient structures to hold commercial and real estate. An Associate of the Chartered Institute of Bankers (Trustee Diploma) and member of the Society of Trust and Estate Practitioners, Julie entered the finance industry in 1985 and worked for a number of years at a prominent Jersey trust company, before joining RBC in Liz Le Poidevin +44 (0) [email protected] Based in Jersey, Liz manages a portfolio of needs of clients from the UK, France, Latvia, Luxembourg, Monaco and the Middle East. In the course of working with her clients, Liz has established structures to hold a broad range of assets, including private company shares, family businesses, listed investments, international real estate (commercial and residential), works of art and intellectual property. Liz also has significant experience in charity work. A Fellow of the Institute of Chartered Secretaries and Administrators and member of the Society of Trust and Estate Practitioners, Liz embarked on a career in financial services after graduating from the University of London. She has worked in Jersey s trust sector since 1977 and joined RBC in 2005, following the company s acquisition of Abacus Financial Services Group ( Abacus ), where she was a Director and part of the senior management team responsible for establishing Abacus as a leading provider of fiduciary services. David McMahon +44 (0) [email protected] Based in Jersey, David manages a portfolio and families, and has experience in servicing the wealth management and estate planning needs of clients from the UK, US, Singapore, France and Spain. In addition to administering a variety of assets, such as cash and marketable securities, real estate and family businesses, David frequently manages significant business transactions on behalf of his clients. In recent years, he has managed the disposal of a joint venture interest in a Far Eastern property portfolio which involved negotiating buy back options on behalf of the client, acquired and managed a significant commercial property portfolio in northeast England and administered and advised on a UK registered charity. David also manages a number of philanthropic structures, including charitable trusts. A member of the Association of Accounting Technicians, David began his career in financial services in 1987 with Abacus Financial Services Group ( Abacus ), where he had responsibility for a portfolio of UK based ultra high net worth clients with international connections. He joined RBC in 2005, following the company s acquisition of Abacus. Peter Morin +44 (0) [email protected] Based in Jersey, Peter manages a portfolio the needs of clients from the UK, US, Africa, South America, Hong Kong, Singapore and Russia. As well as working closely with lawyers and other professionals in the creation of trust and estate planning strategies for a broad range of international clients, he also works in partnership with RBC s corporate employee and executive services team ( cees ). This involves providing financial and estate planning solutions to many of the underlying beneficiaries of international pension plans and other corporate services delivered by cees. Administrators and member of the Chartered Insurance Institute, Peter has worked in private client wealth management since joining a prominent financial services group in He joined RBC in 2005, following the company s acquisition of Abacus Financial Services Group.

8 Lindsay Ozanne +44 (0) Based in Guernsey, Lindsay manages a portfolio of international high net worth individuals and families, and has experience in servicing the wealth management and estate planning needs of clients from Hong Kong, Greece, Cyprus and Italy. In addition to administering mainstream assets, such as cash, marketable securities and real estate, Lindsay deals with a variety of non-traditional assets, including family businesses, bloodstock interests, chattels, artwork and shipping interests. She has also managed a number of significant transactions in recent years, including the sale of major property portfolios in the Caribbean and Italy, the migration of a business from Guernsey to Madeira, and the restructuring of a complex multi-jurisdictional trust structure following the death of the patriarch. Administrators and member of the Institute of Directors, Lindsay started her finance career as Trainee Trust Administrator in November 1989 at an owner-managed trust business in Guernsey. She moved to RBC in 1994, initially as an Assistant Trust Officer, before working her way through the ranks to her current position. Gerard O Gorman +44 (0) [email protected] Based in Jersey, Gerard manages a portfolio the needs of clients from the UK, US, Ireland, Germany, Switzerland, Canada, France, South Africa and Russia. In addition to managing structures that contain a wide variety of assets, such as real estate, private equity, venture capital, hedge funds and private and family businesses, Gerard also specializes in the provision of fiduciary services to clients pursuing philanthropic objectives. His team currently manages a number of charitable structures for entrepreneurs and corporate clients. Administrators, Gerard has worked in Jersey s finance industry since 1989, shortly after he moved to the Island from his native Ireland. After gaining more than ten years experience in private wealth management at some of Jersey s leading trust companies, he joined RBC in 2005 following the company s acquisition of Abacus Financial Services Group. Sarah-Jane Parker +44 (0) [email protected] Based in Guernsey, Sarah-Jane manages a portfolio of international high net worth individuals and families, and has experience in servicing the wealth management and estate planning needs of clients from the UK, Spain, Netherlands, Belgium, France, Switzerland and Germany. In addition to administering a variety of assets, such as private company shares, family businesses, real estate and works of art, Sarah-Jane frequently manages significant business transactions on behalf of clients. In recent years, she has been involved in restructuring for Dutch clients, arising from changes in the tax system in the Netherlands and latterly for structures with a French connection, due to changes in the French Finance Bill in An Associate of the Chartered Institute of Bankers and member of the Society of Trust and Estate Practitioners, Sarah-Jane has worked in private client wealth management since In 1990, she transferred to Bermuda with a large international trust company where she worked for 16 years, both in Guernsey and Bermuda. During her time in Bermuda, Sarah-Jane gained experience in all aspects of offshore trust planning and corporate administration, with particular emphasis on European clients, primarily those connected to the UK, France and Switzerland. This evolved into the coordination and implementation of the European family office within the firm s private client department. Prapa Pearce +44 (0) [email protected] Based in Jersey, Prapa manages a portfolio the needs of clients from the UK, US, South Africa, Australia, France, Poland, India, Switzerland, Spain, Mexico and Norway. One of Prapa s main areas of focus is the UK non-resident Indian ( NRIs ) market. She has established a number of structures for NRIs holding assets in the UK and outside of India, and works particularly closely with successful entrepreneurs based in India seeking funding and listing opportunities in the UK. In recent years, she has managed a number of major transactions on behalf of her clients, including the re-domiciliation and restructuring of a trust holding 100 million worth of UK real estate commercial properties from Switzerland to Jersey, and the creation of an appropriate vehicle in Jersey for a proprietary commodity trading business based in Poland. A member of the Association of Chartered Certified Accountants, Prapa started her finance career in 1996 with RBC after attaining a BSc (Hons) degree in Mathematics at Royal Holloway, University of London, and a MA degree in International Business at South Bank University, London. After qualifying as a Certified Accountant in 2000, she spent four years in the company s tax department, qualifying as a Chartered Tax Advisor in 2002, before returning to the trust side of the business.

9 Andrew Perree +44 (0) Based in Jersey, Andrew manages a portfolio the needs of clients from the UK, Switzerland and Ireland. As many of his clients have substantial business interests, Andrew has established a number of structures, such as reserved powers trusts and private trust companies, for high net worth individuals and families wanting to retain influence over the direction of the businesses placed into trust and plan for their succession to the next generation. He administers a wide variety of assets, such as marketable securities and real estate. A member of the Society of Trust and Estate Practitioners, Andrew started his career in private client wealth management in He joined Abacus Financial Services Group ( Abacus ) in 1994, where he had responsibility for a portfolio of international clients, many of whom had substantial personal and business interests in the UK. Shortly after joining RBC in 2005, following the company s acquisition of Abacus, Andrew was promoted to his current role. Stephen Ritzema +44 (0) [email protected] Based in Jersey, Stephen manages a portfolio the needs of clients from the UK, South Africa, Hong Kong, Greece and Russia. As well as servicing the financial and estate planning needs of his own portfolio of private clients, Stephen also works particularly closely with financial institutions seeking trust services for their clients. He has overall responsibility for RBC s managed trust company arrangement with a leading Russian bank, to which RBC provides fiduciary expertise and administration services. A member of the Society of Trust and Estate Practitioners, Stephen has worked in private client wealth management since He began his career working for the Jersey based trust company of a leading private bank, before joining Abacus Financial Services Group ( Abacus ) in 1989, where he had responsibility for a portfolio of entrepreneurial clients with significant UK interests. He joined RBC in 2005, following the company s acquisition of Abacus. Richard Schindler +44 (0) [email protected] Based in Jersey, Richard manages a portfolio the needs of clients from the UK, US and Canada. As many of Richard s clients are entrepreneurs with significant business interests, his experience in the provision of fiduciary services in respect of private and family businesses is extensive and ranges from the purchase, sale and redomiciliation of companies, to dayto-day business dealings and transactions. In addition to managing a number of UK property transactions, such as the purchase and sale of prime London real estate and country residences, Richard s team administers a wide range of other assets, including high value collectables such as art and antiques. A Fellow of the Institute of Chartered Accountants (England and Wales), Chartered Tax Advisor and member of the Society of Trust and Estate Practitioners, Richard entered the finance industry in He trained as a Chartered Accountant and Chartered Tax Advisor at PwC, before joining Ernst & Young ( E&Y ) in 1988, where, in 1996, he was made a Partner of the Channel Islands trust division. He joined RBC in 2000, following the company s acquisition of E&Y s trust operation. Pierre Sigrist [email protected] Based in Dubai, Pierre is responsible for identifying and pursuing opportunities for private client trust and fiduciary business in the Middle East and North Africa ( MENA ). He works closely with RBC s trust professionals and network of professional advisors in the development and implementation of estate planning solutions, including trusts, companies and foundations, for ultra high net worth clients in the MENA region. A qualified lawyer, Pierre embarked on a career in finance with two leading Swiss banks before joining RBC as a trust officer with RBC Suisse in After two years, Pierre was promoted to trust manager and legal counsel for the wholly-owned trust company Roycan Trust SA. He left the company in 1996 to become a branch manager at a leading global wealth manager before joining a prominent international bank as an Executive Director and Head of Wealth Planning International in Switzerland. He rejoined RBC as Business Development Director in 2011.

10 Jeremy Smith +44 (0) Based in Jersey, Jeremy manages a portfolio the needs of clients from the Far East, UK, Ireland, Spain, Portugal, France, US, Canada, Kenya and South Africa. He also manages a separate team of fiduciary professionals who deal with dispute resolution, litigation and problem matters. He is also a member of the Fiduciary Oversight Group, which gives guidance and assistance to s on difficult or contentious matters that may arise within their client structures. A Fellow of the Association of Chartered Certified Accountants and member of the Society of Trust and Estate Practitioners, Jeremy began his finance career in 1984, joining a local firm of accountants. After gaining experience in various areas of accountancy work, Jeremy decided to move into the trust sector of the finance industry and joined Ernst and Young s trust business in Jersey in 1990, which was acquired by RBC in Samantha Stevenson +44 (0) [email protected] Based in Guernsey, Samantha manages a portfolio of international high net worth individuals and families, and has experience in servicing the wealth management and estate planning needs of clients from the UK. Many of the structures that Samantha administers hold a broad range of UK assets, including commercial, residential and development properties, private company shares, listed investments, family businesses, private equity funds, chattels, fine art, bloodstock, boats, musical instruments and wine collections. As a number of the structures that Samantha is responsible for have second and third generation beneficiaries, she has developed a number of succession planning strategies to ensure the effective transfer of assets to the next generation. Administrators, Samantha entered the financial services industry when she moved to Guernsey in Prior to joining RBC in 2005, Samantha was a manager at a leading owner-managed trust company where she was responsible for a portfolio of ultra high net worth clients connected to civil law countries and those with extensive UK personal and business interests. She also holds an MSc degree in Corporate Governance. Liz Taylor +44 (0) [email protected] Based in Jersey, Liz manages a portfolio of needs of clients from the UK, Dubai, Abu Dhabi, Kuwait, Bahrain, Saudi Arabia and Qatar. With many of Liz s clients being firstgeneration entrepreneurs in the Middle East, she has gained extensive experience in succession planning and the development of strategies to transfer assets to the next generation. As such, an important part of her role involves ensuring that the next generation develops the skills they need to manage the family wealth prudently and effectively. A member of the Association of Tax Technicians, the Society of Trust and Estate Practitioners and the Personal Finance Society by Diploma, Liz began her career in financial services with the Inland Revenue at the Financial Intermediaries and Claims Office in Liverpool. She later moved into the private sector, working with Coopers and Lybrand in their financial planning division, where she developed expertise in financial and estate planning for high net worth individuals. Liz relocated to Jersey in 1991 to join the company s private client division which, following a management buyout became Abacus Financial Services Group ( Abacus ). Liz joined RBC in 2005, following the company s acquisition of Abacus. Paul Tomlinson +44 (0) [email protected] Based in Jersey, Paul manages a portfolio of needs of clients from the UK, Jersey, India, South Africa, Russia, Kazakhstan and Ukraine. Given the significant portfolio of Russia and CIS entrepreneurial clients which Paul services, a large part of his role involves managing business transactions through fiduciary structures. In recent years, he has managed the initial public offering of a London based commodities trading business onto the AIM market, the takeover of a Kazakh based mining company by a Russian Group and the re-domiciliation and continuance of a Liechtenstein foundation to Jersey. He has also acted in the sale of a UK based car dealership and UK care home to major international businesses. A member of the Association of Chartered Certified Accountants and the Society of Trust and Estate Practitioners, Paul has worked in the finance industry since 2000, when he joined RBC as a trainee trust administrator after graduating from Nottingham Trent University with a BA (Hons) degree in Business Studies. Paul became an Associate Director in 2011.

11 Julian Washington +44 (0) Based in London, Julian assumes a business development role, which involves strengthening and deepening relationships with private client advisors and working alongside RBC wealth managers, private bankers and other client facing professionals to explore the use of trusts and other fiduciary structures for their clients. He is particularly well versed in UK tax matters and has extensive experience in the development of tax efficient structures for UK non-domciliaries. A member of the Society of Trust and Estate Practitioners, Julian began his career in private client wealth management in After reading law at Cambridge, he began his legal training in 1991 and quickly developed an interest in private client work. He qualified as a solicitor in 1993 with the London law firm Charles Russell, where his practice grew to cover a wide range of private wealth related advice, with particular focus on trust, tax and estate planning. From 2000, Julian s legal career continued at another prominent private client firm, Forsters LLP, in Mayfair, and it was there that he accepted an offer of partnership in Julian joined RBC in Bill Wilson +44 (0) [email protected] Based in Jersey, Bill manages a portfolio of needs of clients from the UK, Dubai, Abu Dhabi, Kuwait, Bahrain, Saudi Arabia, Qatar, Malaysia, Sweden and India. Bill manages a broad range of assets for Middle Eastern clients, including family companies and UK real estate. With many of his clients wanting to retain a degree of influence over the business interests held in trust, a number of the structures that Bill manages enable the beneficiaries to remain involved in decision making. A Fellow of the Association of Chartered Certified Accountants and member of the Society of Trust and Estate Practitioners, Bill started his career in financial services in 1980, following the completion of his studies at the University of Edinburgh, where he attained a BSc degree in Mathematics and a Diploma in Business Administration. His first role was within the trust department of the prominent accountancy firm Ernst & Young. In 1986, Bill qualified as a Certified Accountant and joined the trust department of a legacy firm of PwC. Bill joined RBC in 2005, following the company s acquisition of Abacus Financial Services Group. Ian Wyatt +44 (0) [email protected] Based in London, Ian manages a portfolio the needs of clients from the UK, Venezuela and Argentina. Given Ian s clients connections to countries that adopt tax blacklisting systems, he works particularly closely with his colleagues in offshore jurisdictions to deliver onshore based solutions for effective tax and estate planning. As well as private client work, Ian also provides fiduciary services to the corporate sector, including trusteeship of UK pension arrangements, bond issuances and other onshore corporate planning structures. A Fellow of the Institute of Chartered Accountants and member of the Society of Trust and Estate Practitioners, Ian began his career in financial services after graduating from Cambridge University with a degree in Classics in His first position was with an international accountancy firm where he trained in audit practice, before qualifying as a Chartered Accountant in While at the same firm, Ian moved into the tax practice, specializing in the provision of tax and trust administration services to high net worth families and trustees. Ian joined RBC in March 2004 and was made a Director of the company in Valery Zaikin +44 (0) [email protected] Based in London, Valery is a qualified lawyer and member of the Society of Trust and Estate Practitioners. He began his legal career in early 2000 after graduating from the Moscow State Institute for International Relations (University) with a Bachelors degree in law and Masters degree in European tax and customs law. His first position was with Ernst and Young in Russia, before joining a private equity fund company. Prior to joining RBC, he was employed by PwC as senior manager, where he practiced primarily in international tax and domestic corporate law, with specific focus on fiduciary services and international tax and legal structuring for Russian, Kazakh and Ukrainian high net worth individuals. Fluent in Russian, Valery s knowledge and understanding of legal and tax issues relevant to wealth planning for Russia and CIS clients is extensive. In addition to working alongside colleagues in the establishment of fiduciary structures for clients connected to Russia or the CIS through residence, family/inheritance law or investments, Valery spends a significant amount of time in the region building and strengthening relationships with clients and their professional advisors.