Our approach is different. Because our clients are different.

What is most important to you? We will tailor a solution specifically for you, to maximize opportunities and mitigate potential challenges down the road. We apply disciplined, holistic, transparent and independent guidance, maintaining open and regular collaborative lines of communication, listening to you, and keeping you informed.


We are here to understand your life priorities and deliver on our commitment to:

 

1  Assess your financial goals and level of risk tolerance

2 Develop a strategic and effective in-depth plan based on your current financial picture

3 Put your customized investment plan into action

4  Monitoring its progress over both the short and long term, with a responsibility to keep you informed 

5  Meet at your desired frequency to review your portfolio, re-evaluate and re-balance where necessary

 

Goals-based wealth management

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.
 

We can address your priorities by helping you to:

  • 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.

Not just any Portfolio Manager. Your Portfolio Manager.

For some investors, maintaining a traditional investment account simply doesn’t suit their needs or lifestyle. These individuals prefer to enter into a relationship with a personal Portfolio Manager† to take them to the next level of investing. The BMO Nesbitt Burns Managed Portfolio Account® offers you a direct relationship with an accredited Portfolio Manager and gives you the peace of mind that comes from having a direct connection to the person making the investment decisions in your portfolio. Yet, by delegating the day-to-day decision-making, you have more time to pursue your other goals and interests.

 

 

Discretionary portfolio management means giving a professional Portfolio Manager the authority to make investment decisions on your behalf. Your investment strategy will be designed and managed according to your clearly-documented needs and goals. However, unlike a traditional investment account, it is not necessary for you to review and approve every transaction.

It’s a win-win situation. You are directly in touch with the person managing your investments, yet are not required to oversee each decision. These are handled by your Portfolio Manager whom you’ve entrusted to manage your investments on a discretionary basis.

 

 

 

Your portfolio is customized for you.

Your Portfolio Manager will carefully assess your needs, design an investment strategy based on time-tested investment methodologies and world-class investment research, and create a portfolio designed to promote your best interests every step of the way.
 

Step 1 – Your Investment Policy Statement

To begin, your Portfolio Manager will work with you to build a comprehensive picture of you as an investor –everything from your current financial situation to your long-term objectives and any special circumstances. From this your Investment Policy Statement will be developed. This written policy is drafted and agreed upon by you and your Portfolio Manager. It explicitly states the long-term policy and management guidelines for your Managed Portfolio Account. Your policy statement is unique – reflecting your individual needs – and will guide all decisions made for your account.
 

Step 2 – Determine Your Asset Mix

Defining your asset mix is a critical step towards achieving the goals defined by your Investment Policy Statement. Stocks, bonds and cash each have unique risk and return characteristics, with higher expected returns generally correlating to higher expected volatility. Your Portfolio Manager will develop an asset mix for your portfolio that prudently balances your desire for growth or income with your need to protect valuable capital.
 

Step 3 – Portfolio Construction

The BMO Nesbitt Burns Managed Portfolio Account is not a one-size fits all solution – your portfolio is designed and managed for your specific needs. Since you directly own the holdings in your account, your Portfolio Manager has added flexibility to select unique investments, recommend particular trading strategies, and address issues such as increasing the overall tax efficiency of your portfolio.

In constructing your portfolio, your Portfolio Manager can draw on the deep resources of BMO Nesbitt Burns and BMO Capital Markets. This includes our top-ranked equity research*, the work of third-party research providers, and the expertise of our trading desks.
 

Step 4 – Portfolio Management

Your Portfolio Manager has a finger on the pulse of economic developments. With the ability to act on your behalf, your Portfolio Manager can make adjustments to your portfolio designed to take advantage of market opportunities or to limit potential risk. This is done by synthesizing information gleaned through independent study, insights from BMO Financial Group analysts and economists, and highly respected third-party research groups.
 

Step 5 – Review and Monitor

Contact with your Portfolio Manager can be as little or as much as your wish. Either way, your assets will continue to be managed with the highest degree of personal attention. You will be kept well informed through regular contact with your Portfolio Manager as well as a monthly statement of account that details your holdings, transactions and the value of your portfolio.
 

Benefit from professional discretion

If you have substantial assets to invest, the BMO Nesbitt Burns Managed Portfolio Account offers unique rewards. You can feel confident that your financial interests are being expertly managed by a professional Portfolio Manager backed by the knowledge and resources of BMO Financial Group, while preserving more of your time for other interests.

A great retirement starts with a great plan

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.

 

During your working years, we will:
 

  • Take a holistic look at your goals and set up a personalized strategy to help you achieve them.
  • Analyze your expected sources of income, longevity expectations, and lifestyle.
  • Make the most of your unused RRSP contribution room.
  • Help you determine when you can afford to retire.
  • Consider opening a Spousal RRSP, which can achieve big savings down the road.

 

Bridging the gap between generations.

We help families like yours with some of the most emotionally charged decisions you’ll ever have to face – from the care of a loved one, to the planning and execution of your estate.

 

Whether it’s paying bills, managing property, selling international assets, or liaising with beneficiaries, we work together to simplify the inherent complexities of wealth, crafting professional, collaborative solutions that ensure your family is protected today, and always.

 

The first stage of estate planning is preparation. We listen to you and create a comprehensive plan that sets out how you will transition your wealth. We also offer guidance on tax strategies to maximize your family’s wealth over time, managing assets, setting up trusts, and developing estate plans that cross jurisdictions.

 

 

 

We help you answer some common questions such as:

  • How will my wealth and possessions be distributed?
  • Can I preserve even more of my wealth for my heirs with a trust fund?
  • How can I ensure that my financial and digital assets, mementos and heirlooms are easily located?
  • How can I make things easier for my loved ones during what may be a difficult period?
  • Who will ensure that my ultimate wishes are carried out after my death?

Wealth planning made easier for you

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.

 

 

 

  • Will reviewers
  • Tax planners
  • Asset managers
  • Private Banking professionals
  • Credit consultants
  • Investment Bankers
  • Estate and trust planners
  • Insurance specialists
  • Business and Commercial Bankers
  • Risk management experts
  • Business succession specialists
  • Strategic philanthropy consultants

To help you achieve your vision of success, our team will constantly adjust your plan and our services for your evolving needs.