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Darren Morcom
Jeff Buskell
Kent Fearns
Joanna Penich
Emmy Pachenski
Sarah King

Tel: 250-717-2104

1484 Water Street, 3rd Floor
Kelowna, BC
V1Y 1J5

Other Locations

1875 Dilworth Drive
Kelowna, BC
V1Y 9T1


Why Select a CFA Charterholder?
Tax Planning Strategies
2019 Tax Document Schedule
We appreciate that tax season is an important time of year for investors. Depending on your investment holdings and account activity, you could receive a variety of tax slips that you’ll need to prepare your annual tax return. To help simplify your tax preparation efforts, we are providing a brief overview of the various tax slips and supporting documents you may receive from BMO, along with their expected availability dates.
Federal Budget Review 2019
A summary of the annual Canadian Federal Budget and its implications on personal income tax measures.
Tax Tips For Investors
Knowing how the tax rules affect your investments is essential. Tax strategies that you should consider such as income splitting, charitable giving and estate planning.
Donating Appreciated Securities
How Investment Income Is Taxed
When it comes to investment income, all is not equal after tax. Knowing how tax rules affect your investments is essential in order to maximize your after-tax return. This publication explains the taxation of investment income held in a taxable account as it pertains to an individual resident in Canada.
Pension Income Splitting
Strategies to Minimize Capital Gains Tax
Towards the end of the year, many investors review their investment portfolios to determine the anticipated tax impact of any capital gains and losses realized during the year. For investors who have realized significant capital gains, this article examines various strategies to help reduce the impact of a potential tax liability of these gains, regardless of whether they were the result of a voluntary or involuntary sale.
Tax Slip Overview (2018)
Trust Planning for the Disabled
Trusts for Protection and Tax Savings
US Estate Tax for Canadians
Personal Tax Calendar 2020
Tax planning should be a year round activity, in order to maximize the savings opportunities available to you. The Personal Tax Calendar has been updated for 2020 and summarizes important tax deadlines and provides some planning tips for you to consider throughout the coming year.
Canadian Snowbirds and U.S. Income Tax
Although Canadian snowbirds reside in the U.S. for only a part of the year, there is the potential of being considered a U.S. resident and, in turn, having to pay U.S. income tax on the same basis as a permanent U.S. resident. This article outlines how the U.S. government determines whether you are a resident for income tax purposes; namely, it covers the criteria for meeting the Substantial Presence Test, Closer Connection Exception and the Canada U.S. Income Tax Treaty Tie-Breaker Rules.
Tax Planning Involving Family Trusts
Trusts are often used in tax and estate planning because of the flexibility they offer over the control, management and distribution of appreciating assets. In particular, the use of a discretionary family trust to reduce the after-tax cost of children’s educational and other expenses is a common tax strategy and the focus of this publication.
Managing Your Wealth
2020 Contribution Reminders
Be sure to take advantage of this year’s TFSA limit of $6,000
Digital Assets and Your Estate Plan
We’re truly living in a digital world where, increasingly, routine tasks are conducted online and important information is stored digitally. Digital assets include, but are not limited to, online accounts (e.g., social media, email, eCommerce, banking and investment), loyalty programs, cloud storage, domain names, and website content. Until recently, the idea of leaving a digital inheritance wasn’t generally a consideration for most people, but not anymore. In fact, it’s become a necessity when preparing your estate plan.
Teaching your children about spending,
When a child starts to receive or earn their own money through an allowance, family gifts or working, their natural instinct is to spend it all. However, it’s never too early to start teaching children that money may also enable two other important functions: saving some for bigger or more beneficial purchases or experiences and sharing some of it to help others.
Is a Professional Corporation Right For You?
Many professionals incorporate their practices to enjoy the same benefits as other self-employed incorporated individuals. However, recent tax proposals affecting Canadian private corporations can have significant implications to professional corporations that will impact the decision to incorporate.
Digital Security
Keeping your personal and account information safe
Locked-In Retirement Plans
Locked-In Retirement Plans concept sheet
BMO Wealth Institute Report
Make better investment choices by understanding and reducing bias. BMO Wealth Management provides insights and strategies around wealth planning and financial decisions to better prepare you for a confident financial future.
Joint Ownership of Property: Pros & Cons
LIFs, LRIFs & Life Annuities
RESP Withdrawal Checklist
RRIF Payout Schedule
RRSPs Make your money work as hard as you do
Taking Money Out of an RESP
Tax Free Savings Account (TFSA)
The Security of Your Assets
Understanding Personal Holding Companies
Your RRSP Maturity Options
Wealth Themes
Wealth Themes is a monthly compilation of timely articles and tools from our experts and other BMO Financial Group partners.
Estate & Succession Planning
Wills That Work
Estate planning is an essential component of a successful wealth management program. A good estate plan will provide you with the peace of mind that comes from knowing your family and financial affairs will be taken care of according to your wishes. One key element of an estate plan is a Will.
RESP's and Estate Planning
Registered Education Savings Plans (“RESPs”) are popular vehicles chosen by parents, grandparents, and others to help set aside funds for a child’s post-secondary education. However, an RESP is an asset too often overlooked by individuals when it comes to estate planning. This article provides an overview of important estate planning considerations for RESP subscribers.
Estate Planning and the Modern Family
In the past, the focus of family estate planning was to ensure property would be passed on to a spouse and/or children in the context of a traditional family. However, today’s family comes in many different shapes and sizes, including blended families, common-law spouses, single households, one-parent families, divorced/separated couples, same-sex relationships, and multiple-spouse family structures.
A Guide to Granting Powers of Attorney
This brochure explains what a power of attorney is, why it is important, and what it should state, and makes suggestions on how to choose an attorney.
Estate Information Organizer
Executor's Tasklist
Is it Wise to Make Gifts to Adult Children?
Probate Fees and Taxes
Testamentary Trusts
Your Plan for the Family Vacation Property
Planning for the Family Vacation Property
If you own a vacation property, this provides information on the tax consequences of selling a second home and highlights important estate planning considerations, if your plan is to keep your vacation property in the family for the next generation.
Market Commentary
Despite stock markets at record levels, risk appetite remains muted and equities still hold far more relative value than bonds
2020 Market Outlook, Brian Belski
Brian Belski takes a look at the year ahead.
The Importance of Active Management
Stock volatility has increased substantially so far in 2018, and understandably, this roller coaster feeling has made investors nervous. At times like these, the BMO Nesbitt Burns Portfolio Advisory Team believes a historical perspective is helpful.
Equity Research Strengths & Distinctions
Our goal is to be a leader in investment research, providing investors with insight and actionable money-making investment ideas.
Rates Scenario
Fixed Income and Foreign Exchange Strategy. Outlines the firm’s short and medium-term interest rate and foreign exchange rate forecasts.
Economic and Market Updates
New Hope? Market Commentary
Potentially Slower U.S. Interest Rate Increases and Emerging Market Outperformance Are Good Omens
NAFTA - How Do You Spell Relief, USMCA
Special Report! After 13 months of sometimes fractious negotiations and waves of uncertainty for Canada’s economy, policymakers and financial markets, we have an agreement to replace NAFTA.
Fixed Income Strategy
Strategic commentary on fixed income and an overview of fixed income markets.
Global Equity Weekly
A look at what happened in the equity markets over the past week and an update on the earnings reports.
The Goods
A Monthly Commodity Watch-Tracks BMO Capital Market's Commodity Price Index and provides commentary and forecasts.
Portfolio Strategy
Strategic commentary and an overview of financial markets.
Equity Strategy
Strategic commentary on equities and an overview of financial markets.
Monthly Market Commentary
The Monthly Market Commentary, written by the BMO Nesbitt Burns Portfolio Advisory Team, provides investors with an overview of recent events and their impact on the equity and fixed income markets.
Investment Strategy: 2020 Market Outlook
BMO’s outlook on the equity markets featuring Brian Belski, Chief Investment Strategist, to help you prepare for the coming year.
Education and Knowledge
Investing in Mortgage Backed Securities
Investing in Strip Bonds
Investing in Treasury Bills and the Money Market
Keeping Cool and Staying the Course
The Bond Book
The RESP Book
The RRSP Book
The Stock Book
Understanding the Basic RRSP Rules