Complete wealth planning

Let’s chart your future and fill any gaps.

I always recommend the wealth planning process to clients and hope they are open to it. There are many advantages to proactive, big-picture planning. When we take a careful look together at all aspects of your wealth from A to Z, we can identify potential gaps and proactively address them. We may even find small details that can have very large consequences, such as incomplete Wills or Powers of Attorney, or insurance beneficiaries that have not been updated.

 

Collaborating with BMO specialists. After gaining an understanding of your short- and long-term goals, I will network with a passionate, experienced team of BMO Private Wealth specialists to create your customized and complete wealth plan. Together, we will advise you regarding tax considerations, create trusts if required, and help you plan and protect your estate and legacy.

 

Our broad network of BMO Private Wealth specialists brings you tremendous financial bench strength:

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

 

Staying relevant and updated. I will constantly adjust your plan and banking services to external conditions and life transitions to ensure your goals are proactively, strategically managed.

 

Guiding you through major life transitions. With the specialized assistance of my BMO Private Wealth partners, I can add significant value when helping you and your loved ones to prepare for major milestones or manage periods of transition; for example, when you:

  • Get married or divorced
  • Buy or sell a practice or business
  • Inherit money or win a lottery
  • Change your career
  • Start a family
  • Plan for and enter your retirement years
  • Purchase or renovate your home or vacation property
  • Have an accident or are diagnosed with a major illness
  • Fund an education
  • Wish to make a major charitable contribution

 

Serving the unique needs of business owners

As an entrepreneur, I understand the challenge and complexities of running a business and the importance of maximizing synergies between your personal and corporate finances.

 

Many of my clients own family businesses or incorporated practices. I have great respect for entrepreneurs who have spent time, faced risks and worked hard to build a business. I bring you customized advice and a comprehensive suite of strategies to help you preserve and grow your wealth and reap the rewards of your efforts.

 

I work with BMO Private Wealth because the firm has a very strong offering for entrepreneurial and professional clients. With breadth and depth of financial options, specialists and resources, I am well positioned to invest your corporate reserve funds or retained earnings and make them a powerful component of your overall wealth plan.

 

Specialized family office wealth services for physicians

Doctors often need to retire late because medical school does not teach them how to manage money. They are highly intelligent and want to be actively involved in their portfolios, but usually are too busy caring for patients and running a practice to provide timely trade approvals.

 

I advise physicians at every stage of their medical careers. With long hours, busy schedules and the profession’s other extreme demands, you need a dedicated team to manage your complex financial affairs and keep them streamlined and simplified.

 

At all stages of your practice, I can help you manage your assets, plan for retirement and enjoy the lifestyle you’ve earned.

 

Multigenerational solutions

I am very proud to advise three generations of some families, by getting to know all the family members and working hand in hand with them. It is rewarding to say that most of my business has grown through referrals from existing clients who have entrusted their loved ones to me.

 

Welcoming younger investors

I enjoy having discussions about investing with my clients’ sons and daughters. Financial literacy and personal finance basics are still not taught in our schools, not even university! In their 20s, we’ll talk about the basics of budgeting and savings, and the type of companies they are they interested in and whether they would be a good investment. I don’t direct them, I engage them and discover what they can identify with. At this stage, the rate of return is not the most important goal, it’s saving early to maximize the power of compounding.

 

Special attention for seniors

With exceptional sensitivity and patience, I enjoy giving special attention to my senior clients and help them build income-generating portfolios to see them through increasingly long retirement periods.

 

Having cared extensively for my 94-year-old mother through many difficulties, I have experience addressing the needs of older clients. Ask me for help with long-term care, taxation rules and strategies for seniors, and covering cash-flow needs to pay for health care. Senior clients have even asked me to book their Covid shots! I am proud of the trust that I build with this precious niche group.

 

If I notice a client in cognitive decline or becoming incapacitated, I will proactively take steps to alert their family so that we can help them get the proper Powers of Attorney and support networks in place.