Meet The Horne & Associates Team


Jeff Horne, BA, PFP, CIM, FCSI

Portfolio Manager & Senior Investment Advisor

As an Investment Advisor at BMO Nesbitt Burns since 1997, I have been successfully helping our clients achieve their financial goals.  Along with my team at Horne & Associates Investment Group, I assist clients with investment advice and portfolio management as well as retirement and financial planning.  A life-long Edmonton resident, I attended University of Alberta before pursuing a career in investment management.  I am able to provide advice on a wide variety of investment options such as managed portfolios, separately managed accounts (SMAs), stocks, bonds, Exchange-traded funds (ETFs), mutual funds, income trusts, Initial Public Offerings (IPOs) and options.  But most importantly, I continually monitor and manage investments for our clients and provide updates and recommend changes to their portfolios whenever warranted.  My attention to detail and calm manner provides my clients with a high level of confidence and comfort.


  • Bachelor of Arts, University of Alberta, Edmonton
  • Fellow of the Canadian Securities Institute FCSI
  • Canadian Investment Manager CIM
  • Financial Planner PFP

Robert Ter Horst, CIM, QAFP, PFP, FCSI

Investment Advisor

As a finance professional in the finance industry since 2012, I have been successfully helping clients achieve their financial goals. As an Investment Advisor at BMO Nesbitt Burns, alongside my team at Horne & Associates Investment Group, I assist clients with investment advice, portfolio management, as well as retirement and financial planning.

After obtaining my Bachelors of Business Administration Degree at the Okanagan College in Kelowna, I moved to Edmonton and have been a resident for the past 8 years.

I provide advice to my clients on a wide variety of investment strategies that are most suitable for their goals and comfort levels. I continually monitor and management my clients investments, while providing updates and changes to their portfolios when needed.


  • Bachelor of Business Administration, Majoring in Accounting, Okanagan College, Kelowna
  • Fellow of the Canadian Securities Institute FCSI
  • Chartered Investment Manager CIM
  • Personal Financial Planner PFP
  • Qualified Associate Financial Planner QAFP

Laura Murray

Senior Investment Associate

Laura has been in the financial services industry for over 32 years, 18 of those as Jeff’s associate and the first 14 years with BMO Bank of Montreal.  The client is always her number one priority and she takes pride in being efficient, knowledgeable, responsive and accurate in all of her dealings. Laura enjoys getting to know the clients of Horne & Associates Investment Group and being able to assist them with their financial needs allowing them to focus on enjoying their lives
Laura is the first contact point for the team.  She works closely with Jeff to execute client investment plans and keep portfolios up-to-date.  She also plays an integral part in the maintenance of client documentation and processing of client requests.  Laura’s variety of skills in the financial services industry allows her to seamlessly move within the team roles.


Please contact Laura for any general inquires.

Luwam Ghezehei, B.Comm., CFP


Luwam Ghezehei joined the Horne & Associates Investment Group in 2019 after spending 5 years at BMO Bank of Montreal as a Financial Services Manager. In addition to her financial services experience, Luwam is a Certified Financial Planner (CFP®) and holds a Bachelor of Commerce, double major in Finance and Business Economics & Business Law from the University of Alberta. Luwam takes lead in Financial Planning for the Horne & Associates Investment Group, as well as assisting her Team members in day to day tasks. 

Luwam’s values of maintaining the highest level of customer service, is in line with the Horne & Associates Investment Group ultimate goal of making our clients our priority. Please contact Luwam for any general inquires.

Meet Our Partners


Shawna Albornoz, MTI, TEP

Vice President, Trust Services, BMO Trust Company

Shawna Albornoz is the Vice President of Trust Services (Prairies) with BMO Trust Company, the fiduciary arm of the BMO Financial Group. Shawna has been in the Estate and Trust Industry since 2001 and she has administered over 130 Estate, Trust, Power of Attorney, and charitable foundation accounts during her career.
Through her experience as a corporate Executor and Trustee for high net worth clients, she has acquired the expertise to help families effectively plan for the transfer of wealth to the next generation and deal with all fiduciary responsibilities. Shawna holds her MTI designation from the Canadian Securities Institute, she is a member of The Society of Estate and Trust Practitioners (STEP), an international professional organization dedicated to promoting financial and estate planning considerations between generations and is a member of the Calgary Estate Planning Council (EPC).


Paul Lytle

Lending Specialist BMO Financial Group

Paul Lytle is a University of Alberta graduate, who has worked in finance since completing his education. As an investment lender and mortgage specialist, Paul is able to offer a broad range of lending solution, from home financing and line of credits, to tax efficient investment loans.

Paul collaborates with Horne & Associates Investment Group to customize the best-fitted lending solutions to help support the long term financial goals of their clients and investors.


Mo Zhou, FMA, CIM

Director Wealth Planning, BMO Wealth Planning

Mo is passionate about helping people becoming more knowledgeable and confident about their finances. He draws on extensive financial planning experience. With robust analytical skills, he leverages the knowledge and expertise of our in-house tax, estate, insurance and philanthropic professionals. Mo advises high net worth families and business owners on complex issues. This includes retirement and income planning, tax planning, cash management, business succession, estate planning, and charitable giving.


Sean Harding

Senior Wealth Planning Consultant, BMO Wealth Planning

​Sean advises high net worth and ultra-high net worth individuals, families, professionals and business owners on comprehensive wealth planning and structuring. In addition to drawing on his own extensive experience, Sean is a member of the BMO High Net Worth Planning team of specialists with expertise in taxation, estate and trust planning, business succession planning and philanthropy. Sean helps clients understand and define their needs and goals and can explain complex solutions in an easy to grasp approachable manner.


Sarah King, B.Comm. (Fin), PFP

Estate & Insurance Advisor, BMO Estate Insurance Advisory Services

Sarah graduated from the University of Calgary with a Bachelor of Commerce, with a focus on Finance and Risk Management. She joined the financial industry in 2006 and been helping with high net worth families achieve their goals ever since. She assists high net worth families with complex affairs, to preserve, grow and transition their wealth to future generations. 

Sarah has enjoyed a very successful and impressive career to date, being a leading professional consultant in the insurance industry for major financial services firms. With over 12 years of experience in the Wealth Management industry, Sarah believe in long term, trusting relationships and works closely with advisors and their clients to provide customized solutions and strategies to meet their assets, and growing their estate. She provides each advisor, and their clients, with professional customer service and efficient timelines. Sarah is able to provide advice on Life Insurance, Critical Illness, Disability and Long Term Care.

An avid cyclist and skier, Sarah brings that same discipline and commitment to a variety of community and personal causes. Having biked across Canada twice for Kids Cancer, it is evident she is dedicated and determined at whatever she puts her mind to.




Jennifer Muscoft, CPA, CA, TEP

Director, Tax Planning

Jennifer works as part of a collaborative team of wealth planning professionals to assist individuals and business owners with comprehensive tax and estate planning. Drawing on her years of experience in public practice, Jennifer works closely with clients to provide guidance tailored to their specific tax and estate planning needs.

Jennifer is a CPA, CA with over 16 years of experience. Prior to joining BMO, Jennifer was a Senior Tax Manager at one of the largest international accounting firms in Edmonton where she advised a variety of clients in the
areas of tax, estate, retirement and financial planning. Jennifer is a member of the Society of Trust and Estate Practitioners (STEP) Edmonton Branch and is a member of the Edmonton Estate Planning Council.