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Specialized Team of Experts

Financial Planning Expertise

Ron Zaporzan
Senior Financial Planning Consultant

Ron draws on the breadth of expertise that he has developed over more than 20 years working as a risk manager, a financial planning practitioner and instructor with some of the largest companies in the Canadian financial services sector. He is an honours graduate of the Bachelor of Commerce (Finance) program at the University of Manitoba. Ron holds the Certified Financial Planner designation from Financial Planning Standards Council and is currently an Associate Member of the Institute of Advanced Financial Planners.


Ron can help your advisor develop a comprehensive financial plan that addresses your:

• Retirement planning - retirement projections and cash management, pension & severance packages, IPPs and tax efficient strategies
• Estate Planning - Wills, Powers of Attorney, Trust Planning, Charitable Giving options, Joint Accounts and US Estate issues
• Tax planning - income splitting, RESPs, interest deductibility and estate freezes
• Protection Planning –integration with estate and/or charitable giving plan
• Business Succession Planning - facilitates discussions and identifies issues on exit strategies, succession concerns and postsuccession planning

Insurance Solutions & Expertise

Colin Aldorfer
Insurance Consultant
Colin brings years of experience in the insurance industry and an innovative approach in determining insurance solutions. He has a Bachelor of Arts degree with a major in Economics, as well as Bachelor of Commerce degree both obtained through the University of Saskatchewan.






Colin & D-Nay can help you:

• Minimize taxes – deferral and reduction strategies that help lessen the impact of taxes on investments, income, and estate values
• Enhance income – unique concepts and products that help to maximize and generate income
• Care for your health – primary and supplemental coverage, for both short and long term care requirements, at every stage of life
• Create a legacy – succession and legacy planning through efficient estate creation and distribution

Estate Planning Expertise

Michael Malabre
Senior Will & Estate Planner

Michael has been with the Scotiabank Group since 1989 and has worked in the financial industry since 1987. He is an honours graduate of the Bachelor of Arts program at Carleton University, and he holds a Bachelor of Laws degree from the University of Alberta. He also completed the Canadian Securities Course offered by the Canadian Securities Institute.




Michael can help you with:

• Complex Estate Planning Needs – provide advice to prospective and existing affluent clients
• Tax & Legal Concerns – the Will & Estate Planners are predominately lawyers with indepth knowledge of tax and family law legislation, and corporate/commercial law
• Trust Needs – provide Will & estate planning expertise when the client expresses an interest/need to have Scotiatrust named as corporate executor and trustee

Charitable Giving Expertise

Malcolm Burrows
Financial Consultant, Charities & Gift Planning

Malcolm leads philanthropic advisory services at the Scotia Private Client Group, where he advises clients on tax and philanthropic aspects of giving. Prior to joining SPCG in 2004, Malcolm worked in the charitable sector as a charitable gift planner for 13 years. He is a well-known speaker and writer on gift planning, and as a government relations volunteer, he has contributed to new tax rules for gifts of public securities and donation tax shelters.


Did you know that Philanthropic Advisory Services can help you with:

• Tax Effects of Giving - information about charitable giving options, tax illustration, suitability assessment for clients
• Private Foundations - suitablity assessment, legal establishment, registration, administration and granting support
• Public Charities - investment policy development, governance issues, knowledge of charitable sector