Before we make recommendations regarding your investments or wealth planning, 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 are well positioned to build a tailored portfolio and comprehensive Wealth Plan to address them. We are also available to help you make pragmatic financial decisions that can help you achieve your vision of success.
Define your short- and long-term goals.
Allocate your assets according to your profile and market conditions.
Build an optimized, resilient, risk-adjusted, balanced portfolio and Wealth Plan.
Transition to an income-generating portfolio in retirement.
Design a tax-efficient estate.
Plan proactively for major purchases or expenses.
Stay up-to-date on the latest tax regulations, industry reforms and global influences.
Manage multigenerational wealth family planning for your evolving needs.
Taxation continues to be our primary concern. Let’s take the example of an investor who only cares about performance. Many people only look at their portfolio’s growth without wondering whether they hold the right securities from a tax perspective. It’s important to know that, from a tax perspective, not all securities are treated the same. So after looking at each individual’s situation, it’s not uncommon to be able to achieve tax savings simply by restructuring your portfolio. Only a detailed analysis that encompasses all of a client’s assets and objectives will enable an approach to be developed that is consistent from a tax perspective.
Like any life projects, retirement needs to be planned. However, most people have little time to devote to retirement planning and are looking for a comprehensive solution to simplify their lives and optimize all of their banking, financial, tax and estate strategies.
Regardless of your age, you should be saving and investing for the years you will spend in retirement. You should also think about what you want to do before then. What do you want to accomplish before retirement? What do you want to maintain or do differently during retirement?
For each person, the best retirement plan will mean something different. What is important is to have a plan even if it is likely to change over time. Setting a goal for how much you will set aside for retirement savings, how much you will donate to philanthropic causes, and how much your family needs to have the lifestyle you want for them will help you set the stage for a successful retirement.
Talk to us about your plans and goals so you can work towards the retirement plan that works for you.
Like investment planning, insurance planning is about defining goals, analyzing options, and implementing a sound, time-tested strategy. Working with you, your financial professional, and your legal and tax advisors, our Estate & Insurance Advisors (Financial Security Advisors in Quebec) can differentiate which, if any, insurance products are appropriate. For example, insurance strategies can provide steady income or a lump sum payment at a time when it's needed most. Later in life, insurance strategies can provide supplemental retirement income on a tax deferred basis.
With proper insurance planning, it is possible to enjoy considerable income throughout your retirement while also preserving the value of your estate for your future heirs.
Whatever stage of life you are at, we can help you separate fact from fiction in a confusing industry, and help you determine what, if any, insurance protection you need to complement your overall wealth management strategies.
Planning your affairs for when you die is not in itself very exciting. Human nature being what it is, there is a tendency to defer such tasks. We are a forward-thinking team and our responsibility is to support you in this process so that we don’t forget anything. If the actions taken today are well thought out and properly backed, the transfer to the next generation will be smooth. We believe that handing down an inheritance is a great gift, but giving it with tools (e.g., trust, insurance) is definitely a better gift. Don’t wait until it’s too late to do it! Your peace of mind depends on it. Together with yourself and our estate and insurance advisors, we are taking the time to discuss some fundamental questions. For example, does your plan ensure that:
Choosing the right liquidator is a very important step in estate planning. Estate settlement services are provided by our trust company, whose professionals act on your behalf to perform the duties of a liquidator. By appointing a team of experienced professionals rather than using a single person, you can be sure that your estate will be administered by competent people in a timely and careful manner. The only way to answer these questions is to have a comprehensive plan.
We know wealth builds complexity and the more money you have, the greater the complexity. Whether you have recently acquired wealth or you’re looking for a different perspective on how to manage your wealth, we deliver a personalized wealth plan that’s coordinated across multiple aspects of your total wealth picture – acting as your financial roadmap.
Our holistic, proactive approach helps affluent individuals and families achieve their wealth goals at all stages of their lives. We are a team of experienced professionals who can help you save time, benefit from solid advice, and enjoy life with confidence, knowing your wealth is being well managed.
We offer complete and integrated services to help you protect and grow your wealth, plan for all your life’s stages, and enjoy financial freedom. We prioritize your interests through tailored, transparent, and objective financial advice, crafting a complete and customized wealth plan with the support of BMO Private Wealth specialists.
As an individual or family with a significant wealth, a key part of your wealth plan is your investment plan. Our team manages your portfolio with a highly customized, prudent and disciplined approach that emphasizes risk management. Through BMO Private Wealth, you'll gain access to a robust product shelf, and enjoy access to market-leading equity research from BMO Capital Markets; consistently ranked as one of the top research houses in Canada and fast becoming a growing force in the U.S.
We meet all your investment needs whether you would like us to manage your investments for you or whether you want to be closely involved in the process of managing your investments. Our main goal remains the same : help protect and increase your wealth.
Tailored to your specific risk profile and goals, the right choices are informed by a depth of experience, proprietary research and ongoing evaluation, designed to efficiently, and prudently, manage your portfolio of capital for generations to come.
Our specialists work with you at every stage of your business cycle. Our solutions will be closely tailored to your business and personal goals. As a business owner, we can:
Bring you access to banking, lending, financing, and point-of-sale payment solutions, plus full wealth planning services.
Invest the reserve funds in your holding or operating companies or professional corporation.
Help you withdraw money tax-effectively from your holding or operating companies.
Manage cash flow requirements for your daily operations and growth trajectory.
Manage other complex business challenges and personal wealth planning needs.
Guide you through divestiture and succession planning.
Collaborate with your accountant, lawyer, and tax advisors to:
Understand the tax implications of your investments and wealth plan.
Help you structure your company and its shares to maximize your tax planning.
Maximize legal tax optimization strategies.
It can be overwhelming to think about what you want out of your business when you retire or are ready to transition your business, but we can help you figure out what you want to achieve, and the key decisions you’ll need to make.
When you're ready, we will introduce you to the Business Advisory & Succession Planning team who will take the time to understand your family business and support you through this personalized process including:
Cross-border banking means having the right financial products in place in both Canada and the U.S. so that you can conduct transactions on both sides of the border. If you are a Canadian who spends a lot of time in the U.S., having the right bank accounts, credit cards and borrowing solutions can help you meet your financial needs more easily.
Our team works hand in hand with our integrated North American banking team to help make the complex matter of cross-border banking simpler for you.
We help you: