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).
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
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.
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.