First, we will obtain a clear understanding of your long-term objectives, appetite for risk, need for cash flow and stable returns, and the current tax efficiency of your investment strategy. Then, we will integrate your goals into a disciplined, high quality, efficient portfolio. Our prudent, structured, strategic approach emphasizes risk management, diversification across asset classes and tax-efficient asset location strategies. We can build a portfolio that suits your needs no matter how complex and sophisticated they may be. Our portfolio construction process encompasses proven, diverse strategies designed to enhance risk-adjusted returns. We select the best Portfolio Management teams who perform full fundamental analysis, then evaluate and monitor them, remaining alert for any behavioural or cognitive biases, and combining them together in the best ways to achieve your goals.
Our select Portfolio Managers analyze and select the best investment opportunities and their appropriate weightings and pre-determine target prices.
Picking our own stocks is not the best use of our time. We’ve learned how to analyze companies but cannot track them as well as teams of seasoned analysts. Instead, we focus on learning your needs and adjusting your plans as situations evolve.
We believe active management adds more value than passive management (i.e., index funds). An actively managed portfolio is more meaningful as it is chosen and customized for you.
The BMO Private Wealth Architect Program®
We often select to work with our clients through The Architect Program®, which brings you access to institutional-calibre investment managers, enhanced diversification, and active portfolio oversight. This offers a combination of tax efficiencies and cost efficiencies compared to using traditional mutual funds. This account allows us to combine various managers with different specializations and different styles to complement each other in consideration of the current market environment. Mutual funds and ETFs can be held in the same account as your managed stocks or bonds, according to your unique parameters.
Your customized Investment Policy Statement outlines your needs, goals, parameters, and risk tolerance and lays the foundation of your asset mix strategy.
We construct your custom portfolio composed of specialized managers’ funds and other investment vehicles.
You benefit from active monitoring and maintenance from a team of experienced professionals.
We monitor the non-managed portion while the managed portion receives daily attention from the overlay portfolio manager, putting the Architect Program in a class of its own.
Active coordination of the underlying investment vehicles in the managed portion of the portfolio for systematic rebalancing, intelligent cash management and effective tax management.
Architect gives us the flexibility to invest in separately managed portfolios, mutual funds, exchange traded funds, alternative investments, and other eligible managed and non-managed investment vehicles – all within one account.
One solution, one fee, one set of documents and one comprehensive statement.
More on the Architect Program®