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Bernadine Headshot

Bernardine Perreira,

CFP®, TEP, CIM® Wealth Advisor
416.777.7093

Bernardine's diverse professional background has shaped her expertise in investment management and financial planning. She specializes in Canada/U.S. cross-border wealth management for executives, professionals, and their families. She offers a full range of Canadian and U.S. investment services, including assistance with IRA and inherited IRA accounts for Canadian residents with assets in the United States.

Bernardine holds several prestigious designations, including Certified Financial Planner (CFP), Trust and Estate Practitioner (TEP), and Chartered Investment Manager (CIM). She is also licensed as an Ontario Insurance Agent and has Canadian and U.S. securities licenses.

As one of Raymond James's first advisors to focus on the firm's cross-border investment management services, Bernardine is a recognized expert in the Canada/U.S. cross-border community. She frequently speaks at U.S. tax symposiums and professional development webinars, sharing her knowledge on cross-border investment strategies with tax professionals.

Bernardine is actively involved in her community, having served as the Past Executive Director of MAPLE Business Council, Ontario Chapter, and as Past President of the Executive Committee of the Estate Planning Council of Toronto. She was also a founding member of the Raymond James Diversity and Inclusion Council and served on the Raymond James Pride Financial Advisor Network Council. Bernardine's commitment to the LGBTQ+ community is evident through her past leadership roles with the Pride and Remembrance Run Board and the Pride and Remembrance Foundation.

Bernardine enjoys travelling, golfing, hiking, cross-country skiing, and other outdoor activities with family and friends outside of work.

The most widely recognized financial planning designation in Canada and worldwide, the Certified Financial Planner® designation provides assurance to Canadians that the design of their financial future rests with a professional who will put their clients’ interests ahead of their own. CFP certification is considered the standard for the financial planning profession worldwide. CFP professionals have demonstrated the knowledge, skills, experience and ethics to examine their clients’ entire financial picture, at the highest level of complexity required of the profession, and work with their clients to build a financial plan so that they can Live Life Confidently™.


Raymond James (USA) Ltd. All rights reserved. Raymond James (USA) Ltd. (RJLU) advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability. This website may provide links to other Internet sites for the convenience of users. RJLU is not responsible for the availability or content of these external sites, nor does RJLU endorse, warrant or guarantee the products, services or information described or offered at these other Internet sites. Users cannot assume that the external sites will abide by the same Privacy Policy that RJLU adheres to. Investing in foreign securities involves risks, such as currency fluctuation, political risk, economic changes, and market risks.

Raymond James (USA) Ltd., member FINRA / SIPC.

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