Toll Free: 800-567-3008
First Canadian Place
100 King St. W, 38th Floor
Daniel Merriam, CIM, FCSI
Toll Free: 800.567.3008
Daniel Merriam embraces a deep discovery process that leads to a comprehensive planning based approach - covering all aspects of his client's financial needs. Daniel also helps his clients with their inter-generational planning needs so that they are able to create a legacy for their families.
Daniel has more than 17 years of combined financial experience and has made a commitment to the highest level of expertise by obtaining the Charted Investment Manager (CIM) professional designation and Fellow of the CSI (FCSI) certification described as the "highest honour and most senior credential in Canadian financial services" by the Canadian Securities Institute.
Not only does Daniel have the experience and credentials to help his clients reach their goals, but he also has the highest commitment to providing exceptional client service. Most important, Daniel works with his clients as if they were family members, building relationships based on TRUST and the highest levels of integrity.
As an Advisor, Daniel utilizes BMO Nesbitt Burns resources, intellectual capital and services which enable him to guide his clients to the fulfillment of their financial goals and help them plan for the cash flow needs they will require in retirement. Daniel structures holistic wealth solutions for Business Owners, Professionals, Executives and Realtors that balance various financial objectives with their unique circumstances and requirements.
Outside of work Daniel is married and raising two young sons in Burlington ON, where he's also an active member of both the Oakville and Burlington Chambers of Commerce, and the Burlington Youth Soccer Club. Daniel is an avid golfer & tennis player, and a very passionate listener and player of Blues and Jazz music.
Vice President, Estate & Insurance Advisor
Andrew is a valuable member of my team and is integral in helping my clients create and preserve their wealth. Working closely with me, Andrew is a specialist in the business owner and high net worth client market. He employs a comprehensive planning process to assess our clients’ wealth management needs, and recommends creative tax-exempt strategies to address them. Andrew’s primary goals are to reduce the impact of corporate and personal taxes on our clients’ wealth and increase their net worth both during their lifetimes and in the estate. He achieves this through the implementation of a wide variety of life insurance, annuity, and living benefit solutions. He has access to the products and services of the top insurance companies in Canada. Andrew began his career in the insurance industry in 1993. He has worked at a number of major insurance companies and investment firms across Canada and is a specialist in the insurance and estate planning field.
Robert terBrugge, CFP®
Wealth Management Consultant
Robert is a highly-skilled Wealth Management Consultant who assists clients who require a high level of expertise due to their level of wealth. He uses a multi-disciplinary and optimized wealth planning process to address all aspects of wealth. An initial in-depth discovery conversation is conducted, that aligns current wealth, goals, and obligations with the optimized wealth planning quadrants. A customized solution is then designed and applied through a disciplined process, to ensure it is sound and meets specific financial goals.
Robert works with Daniel Merriam to help bring together and manage an extended team of in-house experts on the client's behalf, which could include accountants, lawyers, insurance professionals and tax and estate planning specialists, in order to gain a total perspective on your wealth management needs. Backed by the group's knowledge and expertise, a comprehensive financial plan is tailored for clients, that incorporates their wealth and life management needs, interests and aspirations.
John Waters, CA, CFP®, TEP
Head of Tax & Estate Planning
John's area of expertise includes personal tax and corporate tax for private corporations as well as financial and estate planning for high net worth individuals, executives and entrepreneurs. John is a Chartered Accountant (CA), CERTIFIED FINANCIAL PLANNER® professional and member of the Society of Trust and Estate Practitioners (TEP). He holds a Bachelor of Commerce (B. Comm) From Queen's University.
Before joining BMO Nesbitt Burns, John was employed by a large, international accounting firm as a senior member of the Toronto High Net Worth tax practice. John has also assisted in the design and execution of executive compensation plans and has expert ice in a wide range of planning scenarios involving the taxation of individuals, corporations, trusts, and partnerships.
Irit Gertzbein, LL.B.
Director, Trusts & Estates
Irit is responsible for providing estate and trust planning support to our high net worth clients. As part of the Wealth Planning Expertise Team, and in her capacity as estate and trust planning in-house counsel, Irit reviews the goals and needs of our high net worth clients. Irit has extensive experience in Will and trust interpretation, the preparation of Wills, powers of attorney and trusts and in assisting clients with the implementation of a variety of estate planning strategies emphasizing key factors such as family dynamics, tax and business considerations, and capacity and fiduciary issues.
Before joining BMO Nesbitt Burns, Irit was employed by a major Toronto law firm. She is a member of the Canadian Bar Association, the Law Society of Upper Canada and the Statutory Review, Capacity Law Working Group sub-committees of the Ontario Bar Association and an assistant editor of the Ontario Bar Association's Trusts Trusts and Estates Section newsletter Deadbeat.