Our Team

Investment Advisor in Montreal | Certified Financial Planner (IQPF)
Specialist in Business Succession, Financial Coaching, and Responsible Investing | BMO Nesbitt Burns

 

Kamal El Afif is an experienced investment advisor based in Montreal, known for his ethical, strategic, and human-centered approach to financial planning. Since 2011, he has been guiding families, entrepreneurs, and business owners in wealth management, estate planning, and the sustainable growth of their assets.

 

Holding a degree in financial accounting from HEC Montréal, Kamal has deep expertise in Canadian and Quebec tax law. In 2023, he completed a certificate in business succession from the Institut de leadership et repreneuriat Québec (formerly CTEQ), enhancing his ability to support entrepreneurs through the key phases of business transfer, sale, or acquisition.

 

In 2024, he earned the PGCC certification (Professional Goal Centric Coaching) from Concorcia University, allowing him to integrate strategic coaching techniques into his practice and help clients gain clarity and confidence in their decision-making.

 

A Global Vision for Entrepreneurs

 

Kamal is a trusted partner for SME owners, family business leaders, and successors. He helps structure their wealth, plan for succession, and navigate the emotional, fiscal, and generational challenges of business transfer. With a global vision, he simplifies complex processes and delivers coherent, long-term strategies.

He acts as a facilitator of intergenerational dialogue, promoting continuity and family cohesion. His PGCC certification enables him to guide clients with a goal-oriented, personalized approach that fosters meaningful transformation.

 

In 2024, Kamal delivered a conference on business succession for sellers and buyers, in collaboration with Repreneuriat Québec, a tax advisory firm, a psychologist and business transfer coach, and a seller affiliated with the Mentorat Québec network. The event gathered over 60 participants, highlighting the growing interest in business succession and entrepreneurship in Quebec. This initiative reflects his commitment to educating and empowering key stakeholders in the succession ecosystem.

 

Your most valuable ally is your time. Kamal is committed to simplifying your wealth management and clarifying your business succession process, so you can focus on what truly matters.

 

Currently a candidate in the Family Enterprise Advisor (FEA) program – 2025–2026 cohort, Kamal is deepening his expertise in family governance, intergenerational wealth transfer, and relational dynamics within family businesses.

 

An Ethical and Personalized Approach

 

As a specialist in responsible investing, Kamal offers solutions aligned with his clients’ values: ESG investments, local portfolios, halal, kosher, and socially responsible options. Every strategy is tailored to meet goals such as financial growth, retirement planning, or entrepreneurial ventures.