Director, Tax Planning
With almost 25 years of experience, Noel understands the broad issues that wealthy families face. By taking the time to understand each client’s specific goals and objectives, he brings his extensive subject matter expertise to help guide families through the unique opportunities and challenges that they may be facing in the areas of tax and estate planning, corporate structuring, business succession planning, trust planning and family governance.
Noel can skillfully take complex tax and estate planning issues and considerations, and speak to clients in a way that they can easily understand these issues.
Noel joined BMO Wealth Management in 2017. In addition to his tax/accounting background of almost 18 years at Deloitte & Touche LLP, he has extensive experience in the investment industry as well, including working at a large fund management company. Most recently, Noel worked as a Tax Planning & Consulting Specialist where he focused on tax planning and wealth transfer strategies for high net worth clients and business owners.
Jeffrey Justin, CFP
Associate Private Banker
Jeffrey provides high net worth individuals and families advice on all aspects of banking and borrowing as part of your BMO Nesbitt Burns wealth planning team.
Jeffrey has over 26 years of experience with BMO as a Sr. Financial Services Manager, Financial Planner and Private Banker. This has enabled him with the skills and knowledge needed to provide personalized solutions for your banking and borrowing needs.
Jeffrey holds a Bachelor of Business Administration from Brock University, and the Certified Financial Planner (CFP) designation.
He is married, is an automobile enthusiast and lives in Burlington with his teenage son and daughter and his golden retriever, Poppy.
Pierro Mazza, CFP, CFA, CIM, TEP
Director, Wealth Planning
As a member of the Wealth Management Consulting team, Piero brings together the knowledge and experience of our in-house tax and estate professionals and works with Investment Advisors and their clients to develop sound wealth management plans.
He provides support and direction about complex issues such as retirement and distribution planning, tax planning, cash management, estate and gift planning, transition planning and charitable giving.
Piero has 15 years of experience in the financial services industry having worked for a large, Canadian brokerage firm and Insurance company as a financial planner providing comprehensive planning for their high net worth clients in the area of tax, estate, insurance and retirement planning. Piero has a Business Degree, is a member of the Financial Planning Standards Council, Society of Trust and Estate Practitioners and the CFA Society of Toronto.
John Paniccia, CPA, CA, CBV, FEA
Vice President, National Director of Business Advisory & Succession Planning
John is an experienced business advisor and brings a broad base of technical and business planning experience to BMO Wealth Management. John offers individuals and business owners expertise in business succession, transition, sale, M&A, insurance and valuations for the purposes of wealth planning and transfer.
John has over 15 years of experience primarily in the Big 4 professional services firms, as well as experience in a family owned private business. Within professional practice, John has lead a significant number of complex business valuations and business advisory engagements for private and public companies involved in a variety of industries in connection with M&A, corporate reorganizations & income tax planning, shareholder disputes, corporate finance activities, as well as succession, tax & estate planning for private business owners.
Chris Markou, LL.B, BA (Hons)
Director, Estate Planning
Chris advises high net worth individuals and families on specialized Estate & Trust solutions as part of an integrated wealth planning team.
Chris draws on his prior experience as an estates lawyer in private practice to assist BMO clients with complex estate and trust planning solutions in a variety of contexts. He provides support and direction on matters related to estate, gift and tax planning, succession planning for business owners, charitable giving and planning for family members with special needs.
Prior to joining BMO Wealth Management, Chris operated his own law firm, worked as in-house counsel with an insurance company, and worked in the estates and real estate groups in one of the largest and oldest law firms in Brampton, Ontario. Chris has been actively involved in the community as a member of numerous boards and committees, and has chaired and presented at several programs for the Ontario Bar Association.
Wealth Solutions Director
As a Private Wealth Consultant at BMO Private Wealth, Bill bring professional expertise and advice to help individuals and their families enjoy the opportunities wealth brings while simplifying its complexities. effrey provides high net worth individuals and families advice on all aspects of banking and borrowing as part of your BMO Nesbitt Burns wealth planning teameffrey provides high net worth individuals and families advice on all aspects of banking and borrowing as part of your BMO Nesbitt Burns wealth planning team.
Bill builds a lasting relationship with each client by getting to know what matters most to them – their short- and long-term priorities on family, work, lifestyle and money. effrey has over 26 years of experience with BMO as a Sr. Financial Services Manager, Financial Planner and Private Banker. This has enabled him with the skills and knowledge needed to provide personalized solutions for your banking and borrowing needs.
Based on a full appreciation of the client’s unique needs, Bill engages a diverse team of BMO Private Wealth Professionals to help coordinate an array of solutions reflecting the individual’s values and priorities. From banking and investment management to estate and trust services and wealth planning, we create a customized, flexible wealth plan and constantly adjust it to external conditions and life transitions.
Michelle Maandag, CFP®
Wealth Planning Consultant
Michelle has an extensive career within the Financial Services industry. She has 15 years of experience working with high net worth individuals, gaining a deep understanding of their financial needs and identifies solutions to help them achieve their goals. Michelle is committed to providing a holistic approach to her clients, including estate planning, tax management, business succession planning, investment management, and banking and credit management to develop wealth management strategies to simplify complicated financial affairs.
Michelle has lived and worked in the GTA for several years and when not working will often be found enjoying outdoor activities with her family. She has a diverse range of interests and enjoys contributing to others’ success.
Nancy Ganhao has been in the financial industry since 2000 and began working for BMO Private Banking in 2021. She began working part time at BMO while completing her Bachelor’s degree and enjoyed working with her colleagues
so she took on a full time position upon graduation. Nancy holds a degree in Business Commerce in Accounting from Toronto Metropolitan University and minored in Communications. She has obtained the Investment Funds Institute Course (IFIC) and the Branch Compliance Officer designation (BCO) and is in the process of achieving her Personal Financial Planner (PFP) designation.
Outside of work, Nancy enjoys travelling, swimming, reading fiction-action novels, and watching her boys participate in sports.