Robert F Carmichael

Managing Director - Financial Advisor, Senior Portfolio Manager - Portfolio Focus

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Bob has more than 28 years of experience in the equity and fixed income markets, having begun his career at RBC Wealth Management in 1992, back when it operated under the name “Sutro & Co.” During his career, he has come to specialize in fixed income, estate planning, and client or individual portfolio management. He is a Portfolio Focus Manager, part of the Portfolio Focus Manager program for which only a select group of RBC Wealth Management Financial Advisors qualify. Bob is also an acting representative of RBC’s Financial Advisors Advisory Committee, and was appointed as a member of RBC’s President’s Council since 2006 and the Chairman’s Council since 2009. He has passed the Series 7, 63 and 65 exams and received his Bachelor of Arts degree from Iona College in New Rochelle, New York.

Bob resides in Lafayette with is wife Sunshine. Outside of work he enjoys physical fitness, sports, travel and spending time with Sunshine, his daughter Ashlee and twin sons Robert and Anthony.

Raymond P Noyce

Senior Financial Associate

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Raymond’s role on the team is investment analysis and gathering client data and input. Before joining RBC Wealth Management in 2003, he worked for Charles Schwab & Co. from 2000-2003. Raymond graduated from St. Mary’s College of California in 1999 with a Bachelor of Science degree in economics and business administration. He holds the Series 7 and 66 securities licenses.

Ray enjoys spending time with his wife, Roseanne, son Alexander, and daughters Kailyn and Dallas. With his family they enjoy many outdoor activities including, boating and wakeboarding. Ray also coaches his sons CYO and AAU basketball teams.

Belinda Fernandez

Associate Vice President, Senior Client Associate


Belinda has worked in the financial services industry since 1985, begining her career with Sutro & Co., which was later acquired by RBC Wealth Management. She specializes in the procedures needed to provide the high quality of service clients expect and deserve from The Carmichael Group. 

Throughout her career Belinda has received numerous awards for client service and performance excellence. Her honors include the Annual Award of Excellence, given to a small number of RBC Employees to recognize their significant contributions to the company and the RBC Culture Award. 

Belinda and her husband Trino currently live in the East Bay. During her time away from work Belinda enjoys volunteering within her community, gardening, reading and spending time with her family. Belinda has two adult children and two grandchildren.

Michael Heisick

Senior Investment Associate


Michael has been a team member of The Carmichael Group since 2017. Prior to RBC Wealth Management, Michael held positions at Smith Barney and Wells Fargo Advisors.  With over 20 years of industry experience he adds significant knowledge and value to the team. Along with a degree in Computer Business Administration, he has passed the Series 7, 63 & 65 exams.

Michael lives in the East Bay with his wife Kathy and son Jacob. In his spare time Michael enjoys watching sports, camping and spending time with his family.

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