Pierre Cloutier, FEA
President
Life Insurance and Estate Planning Advisor
After starting his career in 1980, Pierre has established numerous connections over the years with a multitude of business owners who trust him for his detailed knowledge of life insurance and his ability to simplify complex structures. Pierre, holding the title of FEA (Family Enterprise Advisor), understands the realities and dilemmas of high-net-worth families and regularly serves as an independent advisor. He possesses a thorough knowledge of the tax rules that apply to life insurance products and their impact on successions.
Amélie Leroux-B., BComm
Partner
Life Insurance and Estate Planning Advisor
Amélie joined the team to ensure sustainability for the next generation of wealthy entrepreneurs and their families. After completing her bachelor's degree in finance, her CFA Level 1, and her life insurance license, Amélie developed her expertise at Procter & Gamble before joining the team at Services Financiers Cloutier et associés. Amélie is currently enrolled in the CLU (Chartered Life Underwriter) program to deepen her knowledge of life insurance taxation in estate planning. Working collaboratively with the team, Amélie employs a dynamic approach to better understand the needs of the next generation during the business transition. Amélie is actively involved in several charitable organizations, including Regroupement Partage, reflecting her strong commitment to giving back to the community.
Genevieve Dubé
Administrative Support Specialist
Genevieve has a passion for customer service and meticulous attention to detail. At Services Financiers Cloutier et associés, we understand that every client is unique, and Genevieve helps customize our service to your specific needs to make your experience as pleasant as possible. Our team is here to give you complete peace of mind when it comes to insurance.
Rob Darnbrough
Insurance & Tax Planning Advisor
Strategic Alliances
M. Darnbrough is president and founding member of Westward Advisors. He started Westward in 1997 with an innovative approach to insurance-based tax and estate planning. He specializes in advanced markets for both individuals and company shareholders. M. Darnbrough’s extensive knowledge of insurance products and underwriting processes has positioned him as a leading advisor in insurance-based tax and estate planning. He has 20 years experience as an advisor in the insurance industry. He is a member of the Society of Trust and Estate Practitioners, the Financial Advisors Association of Canada, and the Canadian Association of Family Enterprise.
Wayne Stone
CPA, CA, CFP. TEP, CLU
Tax Advisor
Strategic Alliances
M. Stone specializes in life insurance planning for private business owners in the HNW and UHNW markets. He focuses on securing financial stability for their estates and maximizing the income tax benefits of life insurance that are available in the Income Tax Act. Wayne’s professional memberships include the Chartered Professional Accountants of Canada (CPA, CA), the Society of Trust and Estate Practitioners (TEP), the Financial Planners Standards Council (CFP), the Institute (CLU), the Canadian Tax Foundation, the Estate Planning Council of Vancouver, and the Conference for Advanced Life Underwriting (CALU). He is active on CALU committees including the Policyholder Taxation Group supporting the Board on its dialogue with the CRA and Finance regarding income tax issues affecting life insurance planning.
Mike Jones
Insurance Tax Specialist
Strategic Alliances
M. Jones specializes in life insurance planning for private business owners in the HNW and UHNW markets. He focuses on securing financial stability for their estates and maximizing the income tax benefits of life insurance that are available in the Income Tax Act. Mike’s professional memberships include the Chartered Professional Accountants of Canada (CPA), the Canadian Tax Foundation, and the Conference for Advanced Life Underwriting (CALU).
Roméo Vitagliano
FALU, FLMI, ACS
Advanced Underwriting, PPI Advisory
Roméo joined PPI in 2007 with over 20 years of experience, specializing in impaired risk selection, large case underwriting and claims adjudication. Roméo works closely with Advisors, carriers, reinsurers and other partners. His industry designations include Fellow of the Academy of Life Underwriting (FALU), Fellow of the Life Management Institute (FLMI) and Associate Customer Services (ACS). Roméo has served at the executive level of the Home Life Underwriters Association (HOLUA) and l'Association Québecoise des Tarificateurs-Vie (AQTV). He is an active member of the Association of Home Office Underwriters (AHOU) and the Canadian Institute of Underwriters (CIU) and continues to publish underwriting related articles and speak at industry forums.
Andrée Couture
BAA, CLU, Pl. Fin., FLMI, FEA
Advanced Sales – Quebec, PPI Advisory
Andrée joined PPI in 1988 and has moved steadily through the ranks, becoming a senior member of the PPI Advisory Sales Team. She manages key Advisor relationships offering tailored and advanced sales support on complex cases with innovative tools to help Advisors succeed. Fluently bilingual, Andrée has presented topics on tax, estate and financial planning with life insurance at PPI seminars, industry events and professional meetings. She obtained her CLU (Chartered Life Underwriter) designation and also holds Financial Planner (Pl. Fin.), FLMI (Fellow Life Management Institute) and Family Enterprise Advisor (FEA) designations. She is also a member of CALU (Conference for Advanced Life Underwriting). Andrée has sat on the board of Association de planification fiscale et financière (APFF) and served as President of the board from 2016 to 2017.
Melanie Zimmerman
CPA, CA, BBA, TEP
Planning Services, PPI Advisory
Previous to joining PPI Advisory in 2005, Melanie worked for over 15 years in the Vancouver office of an international accounting firm specializing in tax planning for estates and trusts, individuals, charities and private businesses. Melanie’s role includes maintaining and updating PPI’s extensive library of tax and estate planning educational material, including the Advisor’s Guide to Life Insurance Taxation, which provides up-to-date and in-depth information for PPI Advisory’s Advisors involved in advanced planning. Melanie also provides Advisor educational sessions, presentations at industry events and consulting with her PPI Advisory colleagues on tax issues pertaining to the complex planning needs of our Advisors’ clients. Melanie is a member of the Canadian Tax Foundation (CTF) and Society of Trust and Estate Practitioners (STEP).
Pierre Cloutier, FEA
Email: pc@sfcloutier.com
Tel. (514) 762-5574
Cell. (514) 992-7769
Fax (514) 762-5516
Our Office
555 Boul. René-Lévesque Ouest
Suite 1260
Montréal, QC
H2Z 1B1
Tel. (514) 762-5574
Fax (514) 762-5516
Amélie Leroux-B., BComm
Tel. (514) 762-5574
Cell. (514) 208-2981
Fax (514) 762-5516