Wealth Planning

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.