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Leonardo Ramos, CFA, CFP, is a Senior Financial Planner at CIBC, where they previously served as a Senior Financial Advisor managing a $185 million portfolio of high-value clients. They have extensive experience in commercial and retail banking, financial planning, and relationship management, including a background in real estate projects and company valuation. Leonardo's prior roles include positions as a Real Estate Investment Analyst at RB Capital and a Credit Analyst at Banco PAN, where they oversaw a $300 million construction financing portfolio. They are fully fluent in English and Portuguese and possess intermediate proficiency in French, having graduated with Honours from Centennial College School of Business in 2017.