Multiple Specialists Dedicated to Your Goals

Our team is structured to emulate a family office, so that your needs are identified and managed through one central relationship, while subject matter experts are coordinated in order to help simplify the complexities of your financial situation.

As in medicine, specialists in financial services are called upon when individual needs exceed the expertise of general advisors – and for those running a medical practice or working as a physician, the goals, risks and priorities surrounding your wealth are rarely simple.

We provide an all-encompassing wealth process, with special attention to risk management, that’s designed to manage the unique challenges and opportunities that physicians and medical doctors face.

“Medical doctors face a number of key decisions that require more than general financial knowledge. When you’re considering whether to incorporate your practice or how to protect yourself against liability, you want to know that the advice you’re getting is based on specialized knowledge and extensive experience working with physicians.”

Mitigate risk and tax
while you build your wealth.

That’s why we take a comprehensive approach to risk management and wealth planning for medical professionals, so that you can mitigate risk and manage financial priorities within the full context of your wealth.

As you build your wealth, the focus is on your work or your practice. Over time, excessive risk can seep into your financial picture through gaps that develop in planning, investment or insurance strategy. 

Advantages of working with us:

You also have access to a full range of financing and banking services, from mortgages and bank accounts to commercial loans and credit strategy

You gain access to a network of specialists both internal and external to BMO, including tax and accounting, estate, insurance and succession planning

You benefit from specialized strategies for physicians like tax-efficient cash flow management, insurance and liability strategies, and guidance through the retirement transition

You can save time with online access to your accounts and a clear reporting and communication process

“Managing my finances is so easy with Mathieu Larivière and his team! I can always rely on their availability, efficiency and knowledge to guide me every step of the way!”

Marie-Andrée G.

Medical Doctor
Client since 2007

The opinions expressed above are those of the named client author and are in no way representative of the views of all clients. Client testimonials do not constitute a guarantee, warranty, or prediction regarding outcome of your investments.

The Wealth Stewardship Approach for Physicians

We work through a well-thought-out, consultative process that helps you stay on track to financial goals while you run your practice. Through common-sense guidance, we help physicians gain clarity on the specifics, and perspective on the big picture.

Set Expectations

The focus of the first meeting is to set the expectations for the relationship and ensure it will be a good fit.

STEP

Listen and Understand

Through a deeper discovery session, we discuss your medical practice or career, your financial considerations and the priorities that are important to you.

First Steps Plan

We begin with a financial plan and asset allocation strategy to set things in motion, with an emphasis on mitigating tax and managing potential risks.

Simplify with Specialists

If our discussions and First Steps plan have uncovered certain complexities or unique challenges in your wealth, we reach out to specialists within our network.

Comprehensive Strategy

The insights and strategies provided by internal and external specialists are incorporated into a fully comprehensive, goal-oriented plan for your wealth.

Same Page Meeting

We get together to present all recommendations and go-forward steps, including specialized strategies and dedicated Investment Policy Statements for each main objective.

Diligent Maintenance

Our ongoing commitment includes annual reviews, investment behavioural coaching, active risk management and regular communication.

STEP

STEP

STEP

STEP

STEP

STEP

“No pressure, no products – your portfolio is made up of individual securities customized to your needs, not packaged products with underlying conflicts of interest. We are Portfolio Managers held to a fiduciary duty to act according to your best interest, within a partnership that is advice-based, not sales-based.”

Get in touch with us to learn more.

Tel.: 514-881-6301

Fax: 514-286-7261

1-800-361-7115

www.GroupeLariviere.com

David Heng, CFA®
Investment Advisor

Tel.: 514-881-6278

Mathieu Larivière, CIM, F. Pl., FCSI®
Senior Portfolio Manager, Senior Wealth Advisor

Tel.: 514-881-6301

Pierre-Luc Houle, BBA, CIM, FCSI®
Associate Portfolio Manager

Tel.: 514-881-6309

Charlotte (Pu) Zhang​
Administration Associate

Tel.: 514-877-9346

Vanessa Frenna, BComm
Wealth Associate

Tel.: 514-881-6312

Stéphanie Rene-Filion
Administration Assistant

Tel.: 514-286-8564

Meet our team

Mathieu Larivière, CIM, F. Pl., FCSI®

Mathieu Larivière has been providing investment and financial advice since 2001. Now a Portfolio Manager with Groupe Larivière of BMO Nesbitt Burns, Mathieu leads a team focused on serving the complex needs of successful families, business owners, and doctors.

Through a family-office approach, Mathieu and his team serve as stewards of capital, emphasizing risk management tactics and the integration of specialized insight from a network of internal and external subject matter experts.

Over the years, he has attained some of the highest credentials in the industry, including the designation Fellow of the Canadian Securities Institute (FCSI®) and appointment to the BMO Nesbitt Burns National Advisory Council (from 2016 to 2019). He has also occupied the role of Assistant Branch Manager for BMO Nesbitt Burns’ McGill Branch for two years (from 2018 to 2020). He holds a B.Sc. in Economics from the University of Ottawa and a Certificate in Financial Planning from the University of Québec in Montréal. He also holds the Certified Investment Manager (CIM) designation.

Senior Portfolio Manager, Senior Wealth Advisor

Pierre-Luc Houle, BBA, CIM, FCSI®

With Pierre-Luc's experience in the financial service industry going back to 2009, Pierre-Luc Houle is an Investment Advisor with Groupe Larivière. His focus is to deliver personalized and integrated financial advice, so that for each client, as little as possible is left up to chance.

Associate Portfolio Manager

In addition to Pierre-Luc’s industry experience, he also brings an extensive educational background to his current role. A graduate of the University of Laval, he also holds the Certified Investment Manager (CIM®) designation and has been named a Fellow of the Canadian Services Institute (FCSI®), one of the most prestigious titles available to Canadian wealth advisors. He is currently in the process of completing his IQPF financial planning designation.

Pierre-Luc’s focus on disciplined, holistic advice is integral to the team’s commitment to wealth stewardship for each client.

Meet our team

David Heng, CFA®

David Heng joined BMO in 2016 and has been providing financial advice at both the retail and Private Banking levels. Throughout his career, he has developed a great passion for solving and optimizing complex wealth management challenges for his clients. Now as an Investment Advisor with Groupe Larivière at BMO Nesbitt Burns, he can fully exercise this passion by dedicating his investment and planning expertise to the needs of business owners, professionals and their families.

Investment Advisor

Meet our team

David graduated from HEC Montreal with a Bachelor’s degree in finance and has received his Chartered Financial Analyst (CFA)® designation in 2023.

Vanessa Frenna, BComm

Meet our team

Vanessa’s industry experience is complemented by her educational background. Vanessa graduated from Concordia University with a bachelor’s degree in finance. She has also acquired several certificates from the Canadian Securities Institute; Canadian Securities Course (CSC), Conduct and Practices Handbook (CPH) and Wealth Management Essentials (WME). She is currently pursuing her IQPF financial planning designation and intends on expanding her knowledge and education further in the next few years. 

Vanessa has worked for BMO Nesbitt Burns since 2015. Her focus is to understand her clients’ financial, retirement and overall lifestyle goals and work towards those goals by implementing investment strategies specific to her clients’ unique situations. Vanessa’s priority is that her clients feel understood, knowledgeable, comfortable and in control of their wealth path.  

Wealth Associate

Meet our team

Charlotte (Pu) Zhang has worked in the financial industry since 2018. Her attention to detail and extensive customer service allows for delivery of the utmost care for our clients.

Administration Associate

She responds to the administrative questions and needs of our clients. She is responsible for the day-to-day administration of our clients' accounts, any account updates, transferring securities and cash from other financial institutions, and all aspects of client service. Her goal is to make a contributive difference on delivering financial service to clients in need.

Charlotte (Pu) Zhang

Charlotte also acquired certificates in Canadian Securities Course (CSC), Conduct and Practices Handbook (CPH).

Meet our team

Stéphanie Rene-Filion has worked in the financial industry since 2014. Thanks to her knowledge and ability to analyze every possible solutions available, she is able to propose relevant and effective solutions.

Administration Assistant

She answers our clients' questions and administrative needs. She is in charge of the day-to-day administration of our clients' account updates, the transfer of securities and cash from other financial institutions, and all aspects of costumer service. Stephanie's goal is to help provide customers with the financial services they need. 

Stéphanie Rene-Filion

Sylvie Roy

Sylvie has been with BMO Bank of Montreal for more than 20 years, spending much of that time working in the branch network as Financial Services Manager and Branch Manager.

Preferred Partner, Personal Banking Services for Doctors

In March 2015, Sylvie joined the BMO Private Banking team and, since January of 2016, has been dedicated to providing private banking services exclusively to clients of BMO Nesbitt Burns.

Sylvie's vast banking experience and training in financial planning allows her to understand her clients' complex needs and respond with personalized strategies. Known for her level of commitment, she has earned her clients' trust over the years. According to Sylvie, the cornerstones of exemplary service are qualities that are, for the most part, intangible such as sincerity, solid relationships and respect.

Her dedication and integrity are reflected in her desire to provide high quality private management solutions that are worthy of our distinguished clients' trust.

Member of the Institut Quebecois de planification financiere.

Meet our team

sylvie.roy@bmo.com

Tel.: 514-871-7020

Meet our team

Danny Guarnieri, CPA, CA, LL.M. Fisc., F.Pl.

Danny provides customized wealth advisory services to BMO’s high net worth clients. Danny obtains an understanding of each client’s needs, goals and financial situation in order to develop a comprehensive plan that simplifies complex subject matters such as: financial, tax, estate, and business succession planning. Furthermore, Danny leverages his extensive experience in private practice in order to provide high-quality plans and inform clients of the risks and opportunities inherent in such plans.

Director, Wealth Planning

Danny joined BMO Wealth Management in 2017. In 2006, Danny began his career at Deloitte, an international public accounting firm, where he gained valuable experience in auditing large private and public corporations. After completing his master’s in Taxation in 2013, he joined Deloitte’s tax practice where he specialized in tax planning and compliance for public and private corporations. In 2015, Danny joined Richter LLP’s tax practice where he further specialized in tax planning and reorganizations for private corporations and business owners.

Meet our team

marcantoine.millette@bmo.com
Tel.: 514-877-6959

Marc-Antoine Millette, CPA

Marc-Antoine is a Professional Accountant (CPA) having spent the first years of his career in a large accounting firm. Since arriving at BMO Bank of Montreal in 2019, he has worked in a Large Corporate Banking Service.

Senior Relationship Manager

Having worked in the financial sector for several years, Marc-Antoine has a thorough understanding of the reality of Quebec businesses, allowing him to adapt to financial solutions that best meet the needs of your business. Whether it be for management of daily operations, the financing of new projects, the expansion of your operations or any other type of need, he can help assist you in achieving all your growth objectives.

Marc-Antoine offers an honest and transparent service without losing sight of what matters most to you. As a business partner, his ultimate goal is to help.