Our Team


Ruchira Raybardhan
CPA, CA, MAcc, B.A
Chief Financial Officer
Ruchira Raybardhan joined CDSPI in 2015 and is the Chief Financial Officer responsible for finance and banking operations. She has over 12 years of expertise in the financial services industry holding progressively senior roles and recently held the role of Controller at CDSPI. Ruchira is a Chartered Professional Accountant (CPA, CA), and holds a BA with Honours and a Master of Accounting (MAcc) from the University of Waterloo.
Ed Dermit
President and CEO

Ed Dermit joined CDSPI in September 2014, bringing over 15 years of senior management experience in financial services marketing. Prior to CDSPI, Ed held senior roles at Manulife Asset Management, VenGrowth, ING Investment Management and AGF.

Ed has a Bachelor of Arts degree from York University, and enjoys playing hockey in his leisure time.

Amir Jafri
Vice-President, Technology & Digital Solutions

Amir Jafri joined CDSPI in 2019 as Vice President, Technology and Digital Solutions, and is responsible for developing and supporting the firm’s technology and digital transformation strategies.   He has over 20 years of IT leadership experience and has previously held Executive roles at FundSERV Inc. and Burgundy Asset Management. Amir holds a Bachelor of Science degree in Computer Science and Mathematics from Allegheny College, Pennsylvania.

Steven Moscone
B.A., CFP®
Vice-President, Advisory Services

Steven Moscone joined CDSPI Advisory Services Inc. in 2018 as Vice-President, Advisory Services. He is responsible for leading a team of Insurance and Investment Planning Advisors who provide trusted expertise and guidance to help protect and grow the wealth of Canadian dental professionals.

Steven has over 20 years of experience in the financial services industry, developing and executing strategic growth strategies with internal and external channels and aligning teams with executional excellence and superior customer experience to achieve outstanding business results.

In addition to his B.A. in Economics from the University of Toronto (Economics Specialist Program) and other industry educational designations, he has earned his Certified Financial Planner® (CFP®) certification.



Margaret Rutherford
CPA, CA, B.Comm
Chief Operating Officer

Margaret joined CDSPI in 2012 and is Chief Operating Officer responsible for executive leadership for compliance, human resources, risk management, insurance and investment administration. She brings over 20 years of finance experience to CDSPI after holding progressively senior roles at some of Canada’s well-known financial institutions.

Margaret holds the Chartered Professional Accountant (CPA,CA) designation and possesses a Bachelor of Commerce (BComm) degree from the University of Toronto

Aviva Shiff
Vice-President, Marketing and Customer Experience

Aviva Shiff joined CDSPI in 2018 and is responsible for leading the strategic planning and implementation of mission-aligned marketing, communication and digital initiatives that transform the customer experience. Aviva’s team leverages business analytics, market research and the voice of the client to drive value for the dental community.

Aviva has over 15 years of leadership experience in the financial services industry. In addition to her B.Comm degree from Ryerson University, she has earned her Chartered Life Underwriter (CLU) designation and has completed the Branch Managers and Canadian Securities Courses.