Udaya  Ratnayake, CFA, MA, BA (Hons)

Senior Portfolio Manager

Udaya is a Senior Portfolio Manager at BMO Nesbitt Burns. He has been with the company since 1994, managing over $500 million dollars in assets. He works out of the Toronto Midtown location.

Udaya holds a Bachelor of Arts (Honours with distinction) from Concordia University, a Masters in Economics from the University of Toronto, and the Chartered Financial Analyst designation (CFA).

Udaya lives with his family in Toronto. In his spare time, Udaya has served in different volunteer roles, including on the boards of Food Share and Caledon Ski Club. He also enjoys travel, golf, and skiing.


Andy Avramidis, CFA, CIM, PFP

Investment Advisor & Associate Portfolio Manager

Andy is an Investment Advisor & Associate Portfolio Manager with BMO Nesbitt Burns. He has been with the company since 2008. Andreas works out of the Bedford and Bloor office.

Andy holds the Chartered Financial Analyst designation (CFA), the Personal Financial Planner designation (PFP), and the Chartered Investment Manager designation (CIM).

Prior to moving to Toronto in 2006 to pursue a career in the Financial Services Industry, Andreas successfully helped manage his family’s business in Winnipeg, Manitoba, where he grew up.

Andy lives with his family in Toronto. He is fluent in Greek and in his spare time he enjoys playing sports, such as soccer, golf and tennis.


David Moylan, CIM, PFP

Investment Advisor

David has worked as an Investment Advisor since 2013, prior to that he held numerous positions in banking and financial planning, all within the BMO Financial group since 2008.

Born and raised in Toronto, David graduated from the University of Toronto with an Honours Bachelors of Arts majoring in Political Science and a double minor in History and Sociology. He is a holder of the Chartered Investment Manager (CIM) and Personal Financial Planner (PFP) designations and is a Life Insurance Advisor with BMO Estate Insurance Advisory Services.

David lives with his family in Toronto. In his spare time, he enjoys travel, playing various sports and is an avid reader.


Annette Kwiatkowski, BA

Client Services And Administrative Assistant

Annette shares in the administrative responsibilities of the team, and joined BMO in 2021.

Annette holds a Honours Bachelor of Arts Specializing in Political Science, with a double minor in English and Philosophy. She also completed an Ontario Graduate Certificate in Marketing Management from Sheridan College. Her educational and professional background is rooted in politics, marketing, and hospitality management. She is highly experienced in client services, and is passionate about relationship-building.

Annette lives in Toronto and enjoys reading poetry and literature, and studying fine wine.


Tina Cheng

Licensed Sales Assistant

Tina is a Registered Representative with Options licensing and has been with BMO Nesbitt Burns since 2012. Having worked in the role of Senior Branch Administrator of the Midtown branch for the past eight years, along with extensive knowledge in the investment industry, specifically in the areas of compliance and operations, makes her an asset to our team.

Tina lives in Toronto with her husband and daughter. In her spare time, she enjoys travelling, cooking and is a voracious reader.