Pierre Cloutier, FEA
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., BCom
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.
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.
Through our affiliation with PPI Advisory, a national organization specializing in life insurance and focused on advanced planning, you will have direct access to experts in key areas such as advanced underwriting, actuarial science, taxation, and estate planning related to life insurance.
You will benefit from the specialized knowledge of these experts to optimize the financial, tax, and estate planning aspects related to life insurance. Our specialists always collaborate with your experts to enhance your estate planning.
Chris Ireland, CPA, CA, TEP
Senior Vice-President, Planning Services, PPI Advisory
Chris joined PPI in 2003 after more than 20 years of experience in tax, estate and trust planning including several years as a Tax Partner in the Vancouver office of an international accounting firm. Chris has taught the CICA specialized tax course, “Advanced Tax Issues for the Owner Managed Business” and has written extensively in the area of tax planning and wealth preservation. Chris is a member of the Conference for Advanced Life Underwriting (CALU), the Canadian Tax Foundation (CTF) and Society of Trust and Estate Practitioners (STEP), and is a frequent speaker at tax and professional industry meetings. Chris is the chair of STEP Canada.
Diane Everett, LL.B, CLU, TEP, FEA
Vice-President, Planning Services, PPI Advisory
Diane joined PPI in 2000 and has over 30 years of experience in taxation, corporate reorganizations and life insurance tax and estate planning. Diane has spoken extensively at conferences and authored numerous articles for industry organizations.
Diane is a member of the Law Society of Ontario, Law Society of British Columbia, Canadian Bar Association, Canadian Tax Foundation (CTF), Association de planification fiscale et financière (APFF), Conference for Advanced Life Underwriting (CALU), Advocis, International Fiscal Association, Society of Trust and Estate Practitioners (STEP) and is a designated Family Enterprise Advisor (FEA).
Andrée Couture, BAA, CLU, Pl. Fin., FLMI, FEA
Regional Vice-President, 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.
Roméo Vitagliano, FALU, FLMI, ACS
Vice-President, 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.
Melanie Zimmerman, CPA, CA, BBA, TEP
Assistant Vice-President, 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).
Serge Bilodeau, CPA, FCPA
Tax Consultant, Planning Services, PPI Advisory
Serge joined PPI after retiring from KPMG as a tax partner of over 30 years. He has advised large Canadian and international companies as well as advised business transfers to new generations for large Quebec families. Serge has considerable experience managing relations with tax authorities including the Department of Finance and he has acted as an expert witness in legal proceedings. He has published tax-related articles with several organizations including Canadian Tax Foundation (CTF) and Association de planification fiscale et financière (APFF) and given many tax presentations. During his career, he was a member of the Joint Committee on Taxation, the Board of Directors of the CTF and the Board of Directors of the APFF. Today, Serge serves on boards of directors and committees of large Quebec business families.
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
Amélie Leroux-B., BCom
Tel. (514) 762-5574
Cell. (514) 208-2981
Fax (514) 762-5516