Our Team

Michael Lem is a Senior Investment Advisor and Financial Planner with BMO Nesbitt Burns, where he leads The Lem Group, a team dedicated to personal financial planning. A Certified Management Accountant, he earned his Bachelor of Commerce in 1987 from the University of Toronto Mississauga (UTM), then known as Erindale College. Over his career, he has built a strong background in financial services, business, and strategic planning. He also holds the Certified Financial Planner (CFP), Certified Professional Consultant on Aging (CPCA), Audit Committee Certified (A.C.C.) and Chartered Director (C.Dir.) designations.

Michael is a recognized expert in financial planning and life planning, and he lectures extensively on these topics in Canada and around the world. He is also a regular contributor to the Toronto Sun, and his columns on investment strategies and on life, financial, retirement and estate planning have appeared in York Business News and the Voice of the Farmer.

Decades after graduating, Michael remains an active and committed member of the UTM community. He is a past vice-chair of the Business Advisory Board for the Li Koon Chun Finance Learning Centre (LKCFLC) and a past president of the Erindale College Alumni Association. In 2006, he received the University of Toronto Arbor Award for outstanding volunteer service, and he has been named one of UTM’s 40 most outstanding alumni.

Michael was an active member of the CMA Canada Board of Governors and served as vice-chair and then chair of the board of CMA Ontario. He also served on the board of the Financial Planners Standards Council, including as its chair. In 2003, he was named a Fellow of the Society of Management Accountants of Canada (FCMA).

Rhys [REES] joined BMO Nesbitt Burns in the fall of 2022, shortly after graduating from York University. With 10+ years experience of customer service, she is very keen on cultivating relationships and developing a deeper fundamental knowledge in the investment industry.

In her spare time, Rhys loves to make music with friends and attend art workshops. She studied French in school, which she hopes to someday gain fluency in.

Ray Lei joins The Lem Group as Investment Associate, bringing over eight years in the investment industry. He comes to us from TD Asset Management, where he most recently supported daily portfolio rebalancing and implementation for centrally traded Private Investment Advice programs, and before that, spent five years in trade support covering the full range of derivatives and alternatives traded by TD Asset Management portfolio managers. While there, he was selected for both the TD Wealth ACE program and the TDAM LEAD program. Ray began his career at BMO InvestorLine as a licensed Investment Representative. He holds a Master of Finance from the Smith School of Business at Queen's University and a BA in Economics from the University of Waterloo, is a CFA Level II candidate, and has completed the CSC, CPH and DFOL along with the CIRE exam. Ray is fluent in English, a native Cantonese and Mandarin speaker, and has also studied Japanese. He lives in Vaughan with his wife and two children. In his spare time, he plays basketball and snowboards in the winter.