Guidance through life transitions We can help you and your loved ones to prepare for major milestones or to manage periods of transition; for example, when you:
Sell a business or practice
Plan for and enter your retirement years
Wish to make a major charitable contribution
Receive an inheritance
Sell your home
Get married or divorced
Lose a spouse
Have an accident or are diagnosed with a major illness
Change your career
Discovery
Before we make recommendations, we will devote the time to get to know you and your family, business or practice in depth.
Once we have a sound understanding of your goals, needs, fears, wealth structure, time horizon, liabilities and preferences, we will help you to identify and articulate your priorities and build a tailored portfolio and wealth plan to address them.
Collaboration
We will work with you, your accountant and lawyer, along with our network of collaborative BMO specialists, who bring tremendous financial bench strength.
Will reviewers
Tax planners
Asset managers
Trust and estate planners
Insurance specialists
Credit consultants
Private Banking professionals
Business and Commercial Bankers
Cross-Border specialists
Risk management experts
Business succession specialists
Strategic philanthropy consultants
Below is a visual of some of the team members we work with on a regular basis, most of whom work out of our local office. You and your existing advisors are at the top centre.
Identifying gaps
Wealth planning can identify risks and opportunities that may otherwise be missed.
For example, going through our planning process with one client, we discovered that they had not claimed the capital gains exemption on the passing of their spouse, which saved them hundreds of thousands of dollars.
Visualizing success
We will show you through compelling visuals how your investments will behave over time given certain parameters
You will see how your assets can generate cash flow, how decisions today will affect your long-term outcome, how much money you will have at a given age, and that you and your heirs will be well looked after.
Ongoing follow-up
We will follow up to ensure all recommendations are put into action and perform regular monitoring, reviews and assessments, make adjustments as needed and report back to you through in-depth review meetings at least every year.
Peace of mind
Our goal is to ensure that all your financial strategies and plans are executed in a coordinated manner to manage and protect your wealth so you are free to enjoy life.