Robert F Carmichael

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

925-949-5200 | Email |

Bob has more than 25 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 currently holds his Series 7, 63 and 65 securities licenses and received his Bachelor of Arts degree from Iona College in New Rochelle, New York.

Bob resides in Pleasant Hill with his wife, Sunshine, daughter, Ashlee, and twin sons, Bobby and Anthony. Outside of work, he enjoys physical fitness, sports, travel and time with his family.

Raymond P Noyce

Senior Financial Associate

925-949-5203 | Email |

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

925-949-5201 | Email

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

925-949-5202 | Email

Michael is the newest member of the Carmichael Group, joining us with over 15 years of experience in a number of roles within the industry and adds significant value to our team. Prior to joining RBC Wealth Management in 2017, Michael worked for Wells Fargo as an assistant vice president-senior registered client associate from 2009-2017, and Smith Barney as a senior registered client associate from 2004-2009. He graduated from Heald Business College in 1998 with an Associate of Applied Science in computer business administration. Michael holds the Series 7, 63 and 65 securities licenses. 

Michael lives in the East Bay with his wife Kathy and son Jacob. In his spare time Michael enjoys spending time with his family camping and bowling. He also volunteers his time as a coach on Jacob’s flag football and baseball teams.