Chantal Moreau, D.D.N.
Director, Estate Planning
Chantal is part of the BMO Wealth Planning group as Director, Estate planning. She assists high net worth clients in the development of their customized estate plan. Chantal helps to ensure that the legal documents clients put in place reflect their reality, their needs and their objectives while maximizing their estate value and asset protection.
Chantal is a member of the Quebec Board of Notaries. Prior to joining the BMO Wealth Planning team, Chantal gained hands-on experience in the administration of estate, trusts and protection regimes with BMO Trust Company. Previously, Chantal worked as a notary in a private practice where she also settled estates and worked in non-contentious legal proceedings. This experience gives her a practical perspective on estate planning and equips her well to anticipate issues and propose effective solutions.
Chantal holds a Bachelor of Laws (LL.B.) and a graduate degree in Notarial Law (D.D.N.) from the University of Sherbrooke. She is currently completing a specialization program that will allow her to obtain the designation of TEP (Trust and Estate Practitioner).
Danny Guarnieri, CPA, CA
Director, Wealth Planning
Danny joined BMO in 2017. In 2006, Danny began his career at Deloitte, an international public accounting firm, where he gained valuable experience in auditing large private and public corporations. After completing his Masters in Taxation in 2013, he joined Deloitte’s tax practice where he specialized in tax planning and compliance for public and private corporations. In 2015, Danny joined Richter LLP’s tax practice where he further specialized on tax planning and reorganizations for private corporations and business owners.
Danny provides customized wealth advisory services to BMO’s high net worth clients. Danny obtains an understanding of each client’s needs, goals and financial situation in order to develop a comprehensive plan that simplifies the complex subject matters such as: financial, tax, estate, and business succession planning. Furthermore, Danny leverages his extensive experience in private practice in order to provide high quality plans and sensitize clients on risks and opportunities inherent to such plans.
Wealth Planning Analyst
His passion for financial planning and helping others succeed, is a constant motivation for Haithem. If he is not working on optimizing every aspect of life, he is reading or studying to improve his skills or learning new ones.
Haithem joined BMO in 2016; he brings several years of different client facing roles in the financial industry, since 2008. Prior to joining the team, Haithem worked as a financial Planner in the retail branches, and most recently as a Financial Planning Analyst, serving HNW and UHNW clients, by building customized financial plans covering retirement, estate and tax planning, wealth enhancement, risk management, education funding and business planning.
James Costis, F.Pl., CFP, CIM, FCSI
Director, Wealth Planning
James advises high net worth individuals, professionals and entrepreneurs on various areas of planning for themselves and their families.
James is a financial planner and holds the F. Pl. designation applicable in the province of Quebec and holds the CFP designation for financial planning in the rest of Canada. James graduated from Concordia University in Montreal with a Bachelor of Commerce degree majoring in accountancy. He has completed the CGA program of studies and is also a Chartered Investment Manager with the Canadian Securities Institute. James has also worked in corporate accounting; the tax department of a major trust company and bank for 9 years; in the financial planning department of a large insurance company; and has provided holistic integrated financial planning advice in multiple areas of planning of for over 15 years.
James served as a treasurer of an organization in the arts realm for 7 years and served on the board of the Chartered Administrators of Quebec Financial Planning sector for 7 years in various capacities including V.P. of education and V.P. of communications. James also served in providing exam preparation seminars for the National R.F.P financial planning exam and has taught courses qualifying for the Chambre de la sécurité financière credits.
Senior Vice President, Financial Security Advisor
Jean-François provides insurance solutions for Canadian investors to enhance their wealth. He has been with BMO since 2014 and has worked with National Accounts for over 15 years, contributing in helping high-net-worth and ultra-high-net-worth individuals and families maximize their estate, realize substantial tax savings and ensure continuation plans for their business.
Jean-François has a thorough academic background and has accumulated over 20 years’ experience in the financial services industry.
Karine G. Précourt
Director, Wealth Planning and Tax
Karine advises high net worth families, professionals and entrepreneurs on complex issues involving taxation and wealth planning. She is part of an integrated team of specialists who work in financial, tax and estate planning. With her knowledge of taxation and legal matters acquired in financial institutions and private practice, she offers customers leading expertise and valuable advice to assist them with their personal and corporate planning. Karine excels in the art of suggesting appropriate solutions to issues involving wealth management, tax and estate planning, philanthropy, and new wealth.
Karine has more than 13 years of experience in law and taxation. In the course of her career she has held various positions of increasing responsibility in tax and estate planning. Working for legal firms and an accounting firm, she has handled tax issues for entrepreneurs, businesses and wealthy families. She has also worked with investment firms, supporting financial services advisors, their clients, and the professionals who work with them. She has intervened in several tax planning cases involving individuals, estates, and companies.
She has published numerous articles on taxation and participated in several media initiatives. Karine is involved with several charitable institutions and the Fondation HEC Montréal with the goal of engaging graduates in the institution’s projects. She sits on committees of the APFF, an organization dedicated to the advancement and dissemination of knowledge and the improvement of its members’ taxation skills.
Vice President, Business Advisory & Succession Planning
Building relationships with clients is paramount to becoming a trusted advisor. Mathieu’s goal is to develop rapport with clients through open communication, trust and exceptional service. Leaning on his diverse background and experience, Mathieu provides guidance to private business owners and families in the areas of business succession, transition, growth through acquisitions, sell-side M&A, and valuations for the purposes of wealth planning and exit planning.
Prior to joining BMO Wealth Management in 2018, Mathieu has over 10 years of experience with national and Big 4 accounting firms. Working within the M&A Transaction services Group, he advised private company owners across multiple industries, with business enterprise values ranging from $3 million to +$100 million on all aspects of the M&A transaction process, from the initial analysis of financial and operational performance to the closing of the transaction (i.e. divestitures, acquisitions, due diligence, projections/financial modeling, and business valuations). Other areas of experience include corporate restructuring and insolvency, financings, and corporate audits.
Director, Tax Planning
Mireille is passionate about learning. Thanks to her natural curiosity, she acquired knowledge in areas related to her financial planning work, which makes her an accomplished advisor. A marathon runner, she enjoys meeting challenges. With her results-oriented approach, she considers each client as unique and strives to present them with a clear picture of their situation and how they can achieve their goals.
Mireille has worked in a variety of fields. She began her career in property and casualty insurance while pursuing academic studies in financial services. Before going into banking, she was an exchange trader, thus gaining an understanding of how the stock market works. After five years working as a financial planner, Mireille left the sector for the construction industry (administration, negotiations, accounting, appraisal), which gave her insight into the realities of entrepreneurs. She has returned to wealth management and now feels much better equipped to advise her clients.
Director, Tax Planning
Olivier is part of the specialized planning team within BMO Wealth Management where he acts as a tax and estate planner. His main focus is to assist high net worth clients and their families in reaching their objectives by making complex tax issues understandable, managing risks and identifying opportunities.
Olivier was called to the Quebec Bar in 2012. After completing his master’s degree in taxation, he worked for a well-known law firm based in Montreal where he advised business owners and professionals on a multitude of corporate, personal, and trust taxation issues. He also provided tax planning assistance on many corporate reorganizations, and business transfers.
Olivier joined BMO Wealth Management in 2016. He works in collaboration with professionals at BMO Private Wealth.
BMO offers a wide range of products and programs through which we provide customized solutions meeting the current banking needs of clients while developing a plan to optimize their finances.
Our work with BMO Private Wealth clients covers all aspects of banking services, whether you want to purchase a property, help your children buy their first home or simply need traditional banking services.
Director, Wealth Planning
Raphaelle offers BMO's high net worth clients personalized wealth planning advice. By identifying the client's needs and goals, and analyzing their personal and financial situation, she develops an appropriate plan that highlights the implications of financial planning, tax and estate planning and business succession. Raphaelle takes advantage of her skills acquired in a financial institution and an accounting firm to design quality wealth plans that raise awareness of potential risks and opportunities for clients.
Raphaelle joined the BMO Wealth Management Team in August 2018. She began her career in 2010 as a personal financial advisor with another financial institution. This experience has allowed her to gain in-depth knowledge of financial products offered by financial institutions and to develop her financial advisory skills with a diverse clientele.
After completing her master's degree in Taxation in 2013, Raphaelle joined the tax team of Deloitte Montreal, an international renowned firm that offers professional services. During her career path at Deloitte, Raphaelle has gained experience in tax planning, corporate reorganization, mergers and acquisitions and tax compliance for individuals and businesses.
Samir Zehlawi, F.Pl., BBA
Director, Wealth Planning
Samir brings with him over 14 years of professional experience in Financial Planning and Financial services and over 13 years in Sales and Marketing where he always provided high-quality advice and solutions to help clients reach their goals.
Prior to joining BMO Financial Group, Samir worked for a major Financial Services Institution as a Manager in investments and specialty products. Prior to that he was manager of financial planning, where he was focused on providing Financial Planning support to over twenty branches in the Montreal region.
Samir graduated from École des Hautes Études Commerciales (HEC) with a bachelor’s in business administration, prior to that he obtained another bachelor’s in marketing and international business. Post University he obtained his IQPF designation, he has his CSC and completed several courses in Taxation.
With BMO for 15 years, Sébastien's role is to act as a financing resource person for our wealthy clients. BMO offers a wide range of products and programs through which we customize solutions to meet customers' immediate banking needs, while ensuring they have a plan in place to optimize their finances.
Suzanne Desy, D.D.N., TEP, LL.B
Director, Tax Planning
After completing her CICA in-Depth Tax Course, Suzanne worked for an accounting firm where she advised business owners and professionals on a multitude of corporate, personal, and trust taxation issues. She also provided tax planning assistance on many corporate reorganizations, and business transfers. Suzanne also worked for a major Canadian life insurance company where she focused on tax planning and wealth transfer strategies by developing and presenting sophisticated and customized wealth solutions for business owners and high net worth families.
Her main focus is to assist high net worth clients and their families in reaching their objectives by making complex tax issues understandable, managing risks and identifying opportunities.
Sylvie has been with BMO Bank of Montreal for more than 20 years, spending several years working in the branch network as Financial Services Manager and Branch Manager. In March 2015, Sylvie joined the BMO Private Banking team and, since January 2016, she has been a Private Banking Manager dedicated to providing services exclusively to BMO Private Wealth clients. Sylvie's vast banking experience and training in financial planning allows her to understand her clients' complex needs and respond with customized strategies.
Known for her level of commitment, she has earned her clients' trust over the years. According to Sylvie, an exemplary service is based on mostly intangible qualities, such as sincerity, solid relationships and respect. Her dedication and integrity are reflected in her desire to provide high quality private management solutions that are worthy of our distinguished clients' trust.
Director, Wealth Planning and Tax
As a Tax lawyer and financial planner, Zeina advises high net worth families, professionals and entrepreneurs on specialized wealth planning solutions. Whether it’s thought leadership on estate planning, new family wealth, tax planning, or philanthropy, Zeina is dedicated to simplifying complex issues and providing practical and informed strategies. Zeina joined BMO in 2011 after several years as a tax lawyer in private practice. She was called to the Quebec Bar in 2001.
Jean Richard, TEP
Sr Manager HNW Consulting, Enterprise Wealth Planning
Jean obtained a Licentiate of Laws (LL.L.) from the Université de Montréal in 1980 and was admitted to the Quebec Bar in 1981. He then followed a course in income tax given by the Canadian Institute of Chartered Accountants (CICA) in 1989. Jean also holds a diploma in financial planning from the Institut québécois de planification financière (IQPF), as well as the title of practitioner conferred by the Society of Trust and Estate Practitioners (STEP). He completed his education with a Master of International Taxation (M.Int. Tax) from the University of New South Wales (UNSW) in Australia as well as a Master of International Taxation and Financial Services from the Thomas Jefferson School of Law (San Diego, California) where he graduated Summa cum laude.
In his capacity, he provides support and advice to our Canadian and US clients on complex issues of taxation, estate and financial planning and business succession.
Linda Leung, CPA, TEP
Director, U.S. Tax Planning
Linda advises high net worth business owners and professionals on how to efficiently structure their U.S. and Canadian assets, providing specialized tax solutions as part of an integrated wealth planning team. Drawing on 25 years of leadership within the cross-border field, Linda’s clients benefit from in-depth technical expertise, facilitating high-level planning discussions, while addressing a wide range of situations across U.S. income and estate tax, and Canadian income tax considerations.
Linda joined BMO Wealth Management in 2010, following 10 years of leading a global tax team at a large consulting firm, where she specialized in individual tax considerations with regards to employees relocating permanently or temporarily from/to U.S. and Canada. Previously, she was a Tax Manager in the Small Business and International Assignment Services groups at PricewaterhouseCoopers, a large international accounting firm.