Heather Roche, CFP, CLU
Estate Planning Advisor, Raymond James Financial Planning Ltd.
Heather Roche is an Estate Planning Advisor for Eastern Ontario who collaborates with Financial Advisors to provide personalized solutions to clients concerning their financial, tax, estate and retirement planning needs.
Heather brings over 15 years of experience in the financial planning and insurance business, and has a proven track record as an established Estate Planner with a comprehensive approach to estate planning and insurance. Heather has been part of the Raymond James Estate Planning Advisory team for over eight years. Her focus is on developing financial plans for clients that incorporate insurance-based products and strategies, supporting financial advisors and interacting with clients. She works with clients from all walks of life and specializes in maximizing cash flow and retirement savings, in particular for clients who have corporations.
Heather is a graduate of Ryerson University and holds a Bachelor of Commerce. She is a Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), and life insurance licensee in Ontario, British Columbia, Alberta & Nova Scotia.
Senior Trust Advisor, Raymond James Trust (Canada)
Paula is a Senior Trust Advisor with Raymond James Trust (Canada). She is responsible for providing comprehensive estate, incapacity, and trust planning services to Ontario-based clients of Raymond James Ltd. Paula has worked in the Trust industry since 2017, prior to which she practiced as a family and estate litigator. Paula is passionate about using trust and estate services to protect clients and their families, and to avoid the unfortunate situations she witnessed as an estate litigator.
Paula is a graduate of the Juris Doctor program at Queen’s University, having graduated on the Dean’s Honour’s list. She also has a Bachelor of Arts, Honours, degree with a major in Psychology and a minor in English and Law, earning the University Medal for highest academic standing upon graduation from Carleton University. Paula also has her Trust and Estate Planning (TEP) designation.
Outside of the office, Paula likes staying active and is an avid runner and ultimate Frisbee player. She also enjoys giving back to her community through coaching and involvement in charitable work.
Janine Davies, MBA
Vice President & Executive Director, Raymond James Canada Foundation
As the Executive Director of the Raymond James Canada Foundation, Janine Davies directs the workplace giving and client philanthropy programs nationally for Raymond James Ltd, Canada’s largest independent brokerage firm. Under Janine’s leadership, the Foundation serves as a catalyst to mobilize the cumulative resources of Raymond James at both corporate and grassroots levels to make a meaningful impact in communities across the country.
Janine works directly with RJL advisors and their clients to develop personalized strategic giving plans that align with both their philanthropic and financial goals. Janine employs a donor-centric, consultative approach to philanthropy, working with accountants, lawyers, and estate planning advisors to craft customized solutions for each client.
In addition to her 25 years of experience in banking and finance, Janine is strongly committed to her community and a firm believer in the importance of stepping up as a leader in the public realm. She presently sits as special advisor to the board of Drug Free Kids Canada, and an active member of both Canadian Association of Gift Planners (CAGP) and on the Executive of the Estate Planning Council of Vancouver (EPCV).