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About us


Our wealth management team is committed to integrity, excellence, personalized relationships and respect for family traditions. With solid expertise and total dedication to our clients, we cultivate partnerships based on trust and a deep understanding of each individual's personal and family aspirations. Each member of our team brings not only in-depth expertise in financial management, but also a heightened sensitivity to our clients' unique values and objectives.


Our beginnings


Founded in 2000 by Camille Estephan, Diligence Wealth Management was born of the desire to offer independent, objective financial advice. Before founding Diligence Wealth Management, Camille worked for another company as a financial broker. Not wanting to be limited by specific products, he chose to create Diligence Wealth Management in order to offer a complete range of solutions to his clients.

In 2008, we partnered strategically with Manulife Wealth, reinforcing our ability to serve our customers with the best resources available. Since then, we have become the largest team at Manulife Wealth in Canada in terms of assets under administration.

Our mission is clear: every day, we go the extra mile to help our customers build their financial futures, taking into consideration their family aspirations and personal goals. We are committed to recruiting young advisors at the beginning of their careers, and teaching them how to build their own personal relationships within our organization.

Diligence Wealth Management services clients across Canada from our two offices located in Montreal and Québec City. Our fundamental values such as diligence, authenticity, transparency and trust unify us all and guide our approach.

Camille Estephan has surrounded himself with key partners at Manulife Wealth Inc., including Francis Gingras Roy, Portfolio Managers William Frenn and Thierry Jabbour, Senior Investment Advisor Georges Ackhar, and Investment Advisor Albert Assaf. Together, they all share a common vision and contribute to the company's success.

At Diligence Wealth Management, we believe in a future where every customer is guided in the realization of his or her financial goals, supported by a dedicated team and incomparable expertise.

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$9 B


In assets under administration by
Diligence Wealth Management*

Largest


Branch under
Manulife Wealth Inc.

20+


Years of experience
as of March 2024

Picture of Francis Gingras Roy

Francis Gingras Roy, CIM®

Senior Investment Advisor, MANULIFE WEALTH INC
FINANCIAL SECURITY ADVISOR, MANULIFE WEALTH INSURANCE SERVICES INC.


Since his early days in the industry, Francis Gingras Roy has consistently delivered excellence, and has been rewarded with several honours. "My number-one commitment is to provide quality service and peace of mind for my customers." His strategic vision and exemplary work ethic have earned him recognition among Manulife Wealth's top professionals across the country. His achievements reflect not only his commitment to excellence, but also his ability to anticipate and respond to evolving market needs, while building long-lasting relationships based on trust and mutual respect.

As one of the largest Manulife Wealth branch's Senior Investment Advisor, Francis offers a dynamic and successful work environment. With 10 years' experience at Manulife, co-owner of Diligence Wealth Management and founder of the Quebec City branch, he has in-depth knowledge of the financial sector.

In addition to his impressive track record, Francis has mentored over a hundred new recruits within the organization, proving his commitment to training the next generation of advisors. He is also known for his recent association with Forbes, which resulted in the publication of his book "The Investment Revolution", illustrating his forward-thinking vision and investment expertise.

A devoted father of two young daughters, Sofia and Olivia, he also has a passion for motorsports, particularly in amateur motor racing. In the summer he enjoys perfecting his swing on the golf course, while in winter he takes pleasure in the adrenalin of snowmobile excursions.


Francis' team



Headshot of Antony Scalzo-Asselin

Antony Scalzo-Asselin

Financial Planner, Manulife Wealth Inc.

Antony studied at HEC Montreal, where he obtained a B.A.A. Finance and a certification in financial planning. Working in financial services since 2015, his experience includes wealth management at Great West/London Life/Canada Vie, before making the leap to Financial Planner at a firm that specializes in entrepreneurs and family businesses for 4 years.

Antony is a Financial Planner on our team, with a mission to deepen your retirement projections and meet your financial, tax, estate and risk management goals.

Antony has been playing guitar since the age of 14, and enjoys the outdoors through sports such as golf, soccer and fishing.

Headshot of Mélanie Breton

Mélanie Breton

EXECUTIVE ASSISTANT, MANULIFE WEALTH INC.

Mélanie has been in charge of the administrative side of the team for almost 10 years. She provides essential support and resolves any issues quickly and efficiently. Her focus is on responding to your needs, from account openings and document conformity to file updates, transfers and many other related tasks.

She's definitely the right person to contact for all your technical and account-related queries.

Mélanie has a strong sense of autonomy, intellectual curiosity and lots of initiative. She is passionate about nature, the air and the great outdoors of the province of Quebec. In her spare time, she enjoys reading and meditation.

Headshot of Alexandre Gaube

Alexandre Gaube

Investment Advisor, Manulife Wealth Inc.

Alexandre assists Francis in managing his clients' portfolios, carrying out transactions, portfolio analyses and restructuring proposals sent to clients. He ensures diligent and continuous file management so that target asset allocations are maintained in the accounts. Attentive to clients' needs, Alexandre is always available to answer questions about transactions and discuss the markets and the economy.

A HEC Montréal graduate in market finance, Alexandre worked for over two years at Desjardins as a Personal Finance Advisor, before joining Francis' team.

He is passionate about golf and tennis, sports he enjoys practicing with friends whenever he gets the chance.

Headshot of Tiana St-jacques

Tiana St-jacques

Administrative Assistant, Manulife Wealth Inc.

Tiana recently joined our team as an administrative assistant, where she helps manage customer files, prepare financial documents and other related tasks. Her attention to detail and organizational skills enable her to contribute effectively to successful teamwork. As a graduate of the Université de Sherbrooke, where she obtained a B.A.A. in Finance, Tiana brings added value to the team by providing excellent customer support.

Passionate about travel and social interaction, Tiana enjoys discovering and sharing enriching experiences.

In her spare time, she loves to travel and explore new horizons, as well as getting out into nature through outdoor activities such as mountain hiking.


Our offices



Our Clients

Dorval Office

200 - 1405, Trans-Canada, Dorval, QC H9P 2V9
514.421.7090

Our Clients

Québec City Office

420 - 725, Blvd. Lebourgneuf, Québec, QC G2J 0C4
581.873.5188