Insurance Solutions

Heather Roche

Insurance Planning Specialist, Raymond James Financial Planning Ltd. (Canada)

• Focuses on planning-based insurance protection solutions.
• Guides and educates clients through life transitions to help grow wealth, reduce taxes and protect families.
• A certified financial planner and chartered life underwriter.

Tax Solutions

Sam Kyriazis

Manager, Tax Consulting, Raymond James Financial Planning Ltd. (Canada)

• Provides tax guidance and investment planning solutions to clients.
• Over 15 years experience in cross border tax planning and tax compliance for high-net worth individuals and globally mobile employees.
• Specialized in working with U.S. citizens, cross-border trusts and estates, U.S. gift tax as well as tax planning for individuals with U.S. retirement plans.

Estate & Trust Services

Marissa Lydynia

Associate Vice President, Estate and Trust Solutions
Solus Trust Company, an Affiliate of Raymond James

• Delivers a practical but sensitive approach to handling all trust and estate related matters.
• Responsible for estate, trust and incapacity planning services for Quebec based clients.
• Bachelor of Commerce degree from McGill University and Bachelor of Law degree from the University of Montreal.

Tax solutions

Teresa Malowany

Vice President, Head of Wealth Planning and Tax Consulting

• Brings over 25 years of experience in tax, estate, and financial planning, specializing in Canadian and U.S. cross-border tax planning and compliance.
• Holds a Bachelor of Commerce (Honours, Major in Accountancy) from the John Molson School of Business and completed CPA Canada’s two-year In-Depth Tax Course.
• Is a U.S. Chartered Professional Accountant and holds the Financial Planner (F.Pl.) designation.