Adam Stiavnicky is a financial advisor at RBC Private Counsel (USA) Inc. with two years of industry experience. He has been with RBC Private Counsel since 2017 and also has affiliation with RBC Phillips, Hager & North Investment Counsel Inc. since 2013. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly owned subsidiary of Royal Bank of Canada that provides discretionary, individually managed accounts using a multi-manager, multi-asset-class approach. The firm serves individuals and families, business owners, foundations, trusts, and not-for-profits, managing approximately $7.89 billion in client assets.

Jonathan Macnaughton is a financial advisor at RBC Private Counsel (USA) Inc. with 28 years of industry experience. He has been associated with RBC Dominion Securities Inc. since 1998 and concurrently with RBC Wealth Management Financial Services Inc. since 2004. Outside of his advisory role, he manages several rental properties. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and subsidiary of Royal Bank of Canada that provides discretionary, individually managed accounts using a multi-manager, multi-asset-class approach. The firm serves a diverse client base including individuals, families, business owners, foundations, and not-for-profits, managing approximately $7.89 billion in client assets.

Daniel Cheng is a financial advisor at RBC Private Counsel (USA) Inc. with 8 years of industry experience. He has worked at RBC Private Counsel since 2014 and at RBC Dominion Securities since 2013. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly owned subsidiary of Royal Bank of Canada. The firm offers discretionary, individually managed accounts using a multi-manager, multi-asset-class approach, serving individuals, families, business owners, foundations, trusts, and not-for-profits.

Carol Fickling is a financial advisor with RBC Private Counsel (USA) Inc. She holds over 7 years of industry experience and has been with the RBC organization in various capacities since 1997. Outside of her advisory role, she serves on the boards of Bring It, a social enterprise focused on life skills development for girls, and the Trauma Golf Tournament supporting the London Health Science Centre. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser that provides discretionary, individually managed accounts to individuals, families, business owners, foundations, trusts, and not-for-profits. The firm employs a multi-manager, multi-asset-class approach supported by affiliated asset managers and a dedicated portfolio risk team.

Ho Yin Lai is a financial advisor at RBC Private Counsel (USA) Inc. with 14 years of industry experience. His prior work includes 11 years at Euroclear Bank and his current roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. — Hong Kong Branch. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and wholly owned subsidiary of Royal Bank of Canada, offering discretionary, individually managed accounts through a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, managing approximately $7.89 billion in client assets.

Julie Handscomb is a financial advisor at RBC Private Counsel (USA) Inc. with nine years of industry experience. She has been with RBC Private Counsel and RBC Dominion Securities since 2016. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly owned subsidiary of Royal Bank of Canada that manages discretionary, individually tailored accounts using a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, overseeing approximately $7.89 billion in client assets.

Jermaine Thornhill is a financial advisor at RBC Private Counsel (USA) Inc. with 18 years of industry experience. His career includes roles at Royal Bank of Canada and Royal Mutual Funds Inc./Fonds d'Investissement Royal Inc. He has been with RBC Private Counsel and affiliated RBC firms since 2025. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly owned subsidiary of Royal Bank of Canada that provides discretionary, individually managed accounts using a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, managing approximately $7.89 billion in client assets.

James Kinkaid is a financial advisor at RBC Private Counsel (USA) Inc. with three years of industry experience. He has worked at RBC Private Counsel since 2015 and has prior experience at RBC Wealth Management Financial Services Inc. and RBC Dominion Securities Inc., dating back to 2006. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly owned subsidiary of Royal Bank of Canada that provides discretionary, individually managed accounts using a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, managing approximately $7.89 billion in client assets.

Steve St Germain is a financial advisor at RBC Private Counsel (USA) Inc. with 12 years of industry experience. He has worked at RBC Private Counsel (USA) Inc. since 2010 and has been associated with RBC Dominion Securities Inc. since 2003. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly owned subsidiary of Royal Bank of Canada that manages discretionary, individually tailored portfolios using a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, managing approximately $7.89 billion in client assets.

Francisco Skupek is a financial advisor at RBC Private Counsel (USA) Inc. with seven years of industry experience. He holds the Series 63 designation and has worked at RBC Private Counsel since 2018, with prior experience at RBC Dominion Securities dating back to 1994. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a subsidiary of Royal Bank of Canada that manages discretionary, individually tailored accounts using a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, overseeing approximately $7.89 billion in client assets across nearly 5,800 client relationships.

Ali Pan Artani is a financial advisor with RBC Private Counsel (USA) Inc., holding two years of industry experience. His prior roles include working at RBC Wealth Management Financial Services Inc., RBC Dominion Securities Inc., and as a freelance personal financial consultant. He also spent three years with the International Finance Corporation, part of the World Bank Group. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly-owned subsidiary of Royal Bank of Canada, providing discretionary, individually managed accounts through a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, managing approximately $7.89 billion in client assets.

Trevor O'Reilly is a financial advisor at RBC Private Counsel (USA) Inc. with five years of industry experience. He has worked with RBC Private Counsel since 2019 and has been associated with RBC Phillips, Hager & North Investment Counsel Inc. since 2016. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly owned subsidiary of Royal Bank of Canada that offers discretionary, individually managed accounts through a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, managing approximately $7.89 billion in client assets.

Lilly Kazaz is a financial advisor with RBC Private Counsel (USA) Inc. She holds nine years of industry experience and has been with RBC Private Counsel since 2005, as well as with RBC Dominion Securities Inc. since 1997. RBC Private Counsel (USA) Inc. is a wholly owned subsidiary of the Royal Bank of Canada that offers discretionary, individually managed accounts using a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, managing approximately $7.89 billion in client assets.

Jeffrey Turner is a financial advisor at RBC Private Counsel (USA) Inc. with 23 years of industry experience. He has worked with RBC Dominion Securities Inc., RBC Wealth Management Financial Services Inc., and RBC Private Counsel since 2003. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly-owned subsidiary of Royal Bank of Canada that provides discretionary, individually managed accounts through a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, managing approximately $7.89 billion in client assets.

Brent Smuszko is a financial advisor at RBC Private Counsel (USA) Inc. with nine years of industry experience. He previously worked at Royal Mutual Funds Inc. from 2003 to 2017. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly owned subsidiary of Royal Bank of Canada that provides discretionary, individually managed accounts using a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, managing approximately $7.89 billion in client assets.

Ronald Kogan is a financial advisor at RBC Private Counsel (USA) Inc. with 10 years of industry experience. He has been with RBC Private Counsel since 2012 and has an additional 30 years at RBC Dominion Securities Inc. Outside of his advisory role, Kogan serves as a director for a real estate company and passive investment entities. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly owned subsidiary of Royal Bank of Canada that manages discretionary, individually tailored portfolios across multiple asset classes. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, and employs a multi-manager approach supported by a dedicated research and risk management team.

Matthew Cafferky is a financial advisor at RBC Private Counsel (USA) Inc. with 6 years of industry experience. He has been with RBC Private Counsel since 2019 and has worked at RBC Dominion Securities Inc. since 2008. Outside of his advisory work, he holds a 10% ownership stake in the Victoria Highlanders FC soccer team and serves as a board member of the Canadian World Education Society, which operates an English-speaking school for children in Nepal. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly owned subsidiary of Royal Bank of Canada that provides discretionary, individually managed accounts using a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, managing approximately $7.89 billion in client assets.

Simone Renelli is a financial advisor with RBC Private Counsel (USA) Inc. He holds over 25 years of industry experience, having been with RBC Dominion Securities Inc. since 2001 and RBC Wealth Management Financial Services Inc. since 2005. Renelli co-owns and manages a family rental property, overseeing tenant relations and maintenance. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly owned subsidiary of Royal Bank of Canada that provides discretionary, individually managed accounts using a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits.

Richard Adam is a financial advisor at RBC Private Counsel (USA) Inc. with four years of industry experience. He has been associated with RBC-affiliated firms since 2004, including RBC Wealth Management Financial Services Inc. and RBC Dominion Securities Inc. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly-owned subsidiary of Royal Bank of Canada that manages discretionary, individually tailored portfolios using a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, overseeing approximately $7.89 billion in client assets.

Luc Perron is a financial advisor at RBC Private Counsel (USA) Inc. with 10 years of industry experience. He has worked at several RBC-affiliated firms since 2003, including RBC Dominion Securities Inc. and RBC Wealth Management Financial Services Inc. No additional outside activities are noted. RBC Private Counsel (USA) Inc. is an SEC-registered investment adviser and a wholly owned subsidiary of the Royal Bank of Canada that provides discretionary, individually managed accounts using a multi-manager, multi-asset-class approach. The firm serves individuals, families, business owners, foundations, trusts, and not-for-profits, managing approximately $7.89 billion in client assets across about 5,773 relationships.