My team

Raphaelle offers BMO’s high-net-worth clients personalized wealth planning advice.  After identifying each client’s needs and goals and analyzing their personal and financial situation, she develops an appropriate plan that highlights the implications of financial, tax and estate planning and of business succession. Raphaelle draws on the skills she has acquired in a financial institution and an accounting firm to design quality wealth plans that raise her clients’ awareness of potential risks and opportunities.

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 provided her with in-depth knowledge of the financial products offered by financial institutions and enabled her 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 Montréal, the internationally renowned professional services firm. Over the course of her career at Deloitte, Raphaelle gained a wide range of experience in tax planning, corporate restructuring, mergers and acquisitions, and tax compliance for individuals and businesses.

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.

Michel has more than 28 years' experience in the financial planning industry.

He began his career in the life insurance and investment world as a financial security advisor with a major Canadian insurance company. In the early 2000s, he began a new career in banking with BMO. In private banking, Michel distinguished himself as a Financial Planner, Regional Investment Products Manager and Wealth Management Advisor.

Since 2021, he has held the position of Trusts and Estates Advisor. Drawing on his extensive experience in the world of financial planning, Michel has the knowledge and empathy to engage in emotional and often difficult discussions about estate and trust planning. Helping people in these sensitive moments is a great motivation for Michel, giving them the best possible advice and trusting that our clients will be surrounded by the best team of professionals.

On a more personal note, Michel is an avid fisherman, golfer and runner. He's also a great audiophile and music lover, and whenever he can, he likes to enjoy his home in the Gaspé Peninsula and his cottage on the Baie des Chaleurs.