Skip Navigation

Contact Us

John Ridd
Kate Parker
Megan Lisowski
Michelle Silva

Tel: 1800-651-5952
Tel: 905-727-7217
Tel: 905-727-5040

Address
16775 Yonge St
Suite 221
Newmarket, ON
L3Y 8J4
Map

Our Team Publications
Guide to Updating Gateway Login Credentials
Gateway Update
Our Advantage
The Big Picture
The Importance of Financial Planning
The Benefits of Going Paperless with BMO Nesbitt Burns Gateway
This article outlines the advantages of converting to eStatements as well as Gateway’s valuable features, such as detailed real-time account information and leading market research.
Registered Retirement Income Funds
Selecting the right retirement income option for your Registered Retirement Savings Plan (RRSP) is one of the most important financial and estate planning decisions you’ll make. Click to read on about how you can benefit from an RRSP.
Aging
Who Will Make Your Financial Decisions When You No Longer Can?
The 40-70 Rule
The 70-40 Rule
As you approach the age of wisdom, who will catch you if you fall?
Economic and Market Updates
The Goods
A Monthly Commodity Watch-Tracks BMO Capital Market's Commodity Price Index and provides commentary and forecasts.
Focus
FOCUS: A Weekly Financial Digest
Eligible Dividend Income
This report provides an overview on the taxation of eligible dividends, in light of recent changes.
Estate and Succession Planning
A Guide to the Principal Residence Exemption
One of the most important tax breaks offered to Canadians is the “Principal Residence Exemption” which can reduce or eliminate any capital gain otherwise occurring for income tax purposes, on the disposition (or deemed disposition – e.g., death) of your home. In general, a resident of Canada who owns only one housing unit, which is situated on land of one-half hectare or less, and which has been used since its acquisition strictly as his or her residence, will qualify for the principal residence exemption. Although simple in concept, in situations other than the one described above the tax rules governing the exemption can quickly become complicated, particularly when more than one residence is owned by a family unit. This publication provides an overview of the exemption and outlines many of the common issues encountered in its application.
Family Meeting Guide
At the core of an effective and successful estate plan is open communication among everyone involved so that there is an understanding of your intentions and wishes. It is not possible to consider all the situations and decisions that you and your family may face. But by sharing the thoughts, wishes and goals to be achieved by an estate plan, it is possible to give your family, heirs, and beneficiaries an understanding of the intentions on which the estate plan is based.
A Time To Sell Preparing Your Business For A Potential Sale
Wills that work for your estate planning needs
Probate Planning
A Guide to Principal Residence Exemption
United We Stand: Planning by Spouses
Designating Beneficiaries
Holding Investments inside a Company - Taxes upon Death
In the absence of planning, when an individual passes away owning shares of a private company, they could be exposed to double or triple taxation.
Changes To Ontario's Probate Process
Philanthropy & Giving Back
Estate Information Organizer
Planning for the Family Vacation Property
If you own a vacation property, this provides information on the tax consequences of selling a second home and highlights important estate planning considerations, if your plan is to keep your vacation property in the family for the next generation.
Importance of Financial Planning
Strategies to Manage Household Debt
Joint Ownership of Property
Wealth Themes
Wealth Themes is a monthly compilation of timely articles and tools from our experts and other BMO Financial Group partners.
2018 Wealth Planning Facts & Figures
This 2-page summary includes relevant and important tax, retirement, and estate planning information.
BMO Wealth Institute Report
Make better investment choices by understanding and reducing bias. BMO Wealth Management provides insights and strategies around wealth planning and financial decisions to better prepare you for a confident financial future.
Having a TFSA works
Having a TFSA works. Get one working for you. Whether you’re saving for a new car, a home purchase, your child’s education or retirement, a TFSA can help you reach your financial goals sooner.
Registered Retirement Income Funds
Protecting Baby Boomers from Increasing Risk
Miscellaneous
The gig economy
A Lesson on Financial Considerations For Recent Graduates
Banking on Both Sides of the Border
Networth Newsletter 2018
Financial Considerations Across Life Stages
Why consolidating your accounts makes sense
Your Summer Reading and Listening List
Networth Newsletter Summer 2017
Planning For The Family Vacation Property
Digital Assets and Your Estate Plan
NetWorth Newsletter - Spring 2017
Get On Track With A Spending Plan
Continuing Power of Attorney for Property
RESP - Registered Education Savings Plans
Education Planning - For the Children in Your Life
Taking Money Out of an RESP
RESP - Your Contributions and Grants
RESP Withdrawal Checklist
Education Saving Options Comparison Chart
Retirement Planning
Individual Pension Plans - A Retirement Savings Option for Business Owners
Collecting the CPP
Some general considerations to keep in mind when deciding what age to start collecting the CPP retirement benefit.
RRIF Payout Schedule
Collecting CPP
Snowbirds and US Tax Considerations
Canadian Ownership of U.S. Real Property
Many Canadians enjoy spending time in the U.S., and at some point may consider the purchase of a U.S. vacation property. As a result, it is important for Canadians to fully understand U.S. reporting and tax issues related to their ownership of U.S. real property, in addition to any Canadian tax implications.
Being A Snowbird VS. Permanent Retirement
TFSAs - Tax Free Savings Accounts
Having A TFSA works. Get one working for you.
Rates Scenario
Fixed Income and Foreign Exchange Strategy. Outlines the firm’s short and medium-term interest rate and foreign exchange rate forecasts.
Tax Planning Strategies
CRA Foreign Reporting
How Investment Income is Taxed
When it comes to investment income, all is not equal after tax. Knowing how tax rules affect your investments is essential in order to maximize your after-tax return. This publication explains the taxation of investment income held in a taxable account as it pertains to an individual resident in Canada.
The CRAs Foreign Reporting Requirements
Since Canada represents only a small portion of the world’s capitalization, it may make sense to include some foreign investments in your portfolio. However, it is important to understand Canadian and other foreign tax implications of owning investments outside of Canada. For example, there may be withholding and estate tax implications for Canadians investing in foreign securities. Another important Canadian tax implication is the Canada Revenue Agency’s (CRA) foreign reporting requirement for Canadian residents.
Tax Tips for Investors
Update on LIberal Federal Income Tax Changes
Reduce Your Taxes With A Prescribed Rate Loan
Planning for Your Tax Refund
Pension Income Splitting Provides Tax Planning Opportunities for Couples
Canadian Snowbirds and U.S. Income Tax
Although Canadian snowbirds reside in the U.S. for only a part of the year, there is the potential of being considered a U.S. resident and, in turn, having to pay U.S. income tax on the same basis as a permanent U.S. resident. This article outlines how the U.S. government determines whether you are a resident for income tax purposes; namely, it covers the criteria for meeting the Substantial Presence Test, Closer Connection Exception and the Canada U.S. Income Tax Treaty Tie-Breaker Rules.
Tax Tips For Investors
Knowing how the tax rules affect your investments is essential. Tax strategies that you should consider such as income splitting, charitable giving and estate planning.
Personal Tax Calendar 2018
Tax planning should be a year round activity, in order to maximize the savings opportunities available to you. The Personal Tax Calendar has been updated for 2018 and summarizes important tax deadlines and provides some planning tips for you to consider throughout the coming year.
Year-End Tax Planning Tips
While tax planning should be a year-round activity, this publication outlines some tax planning opportunities that may help you reduce your tax bill for the current year.
Consider Tax-Loss Selling in Your Year-End Planning
This article explains how tax-loss selling works, and what to consider before implementing the strategy.
New Tax Rules May Affect Your Estate Plan
New tax legislation which originated from the 2014 Federal Budget will take effect on January 1, 2016. These changes will have significant implications for existing and future testamentary, spousal, alter-ego and joint-partner trusts, as well as affecting testamentary charitable gifts. This article provides a brief summary of the upcoming changes.
Other
Summer Reading List
Is a Professional Corporation Right For You?
Many professionals incorporate their practices to enjoy the same benefits as other self-employed incorporated individuals. However, recent tax proposals affecting Canadian private corporations can have significant implications to professional corporations that will impact the decision to incorporate.
Insurance Considerations for Business Owners and Incorporated Professionals
Insurance is generally thought of as a risk management tool; however, as a business owner or incorporated professional, insurance can provide multiple benefits, including the potential for significant tax savings. This article looks at three insurance strategies that can be implemented into your financial plan to supplement your retirement savings, help protect your business, and help you maximize the value of your estate.
Insurance Considerations for Individuals
Corporate Asset Transfer
Tax Planning using Private Companies - Draft Proposals released for Consultation
Donating Appreciated Securities
Planning For Your Income Tax Refund
Complementing your Healthcare Benefits with Insurance
With the controversy surrounding healthcare reform in the U.S., most Canadians consider themselves fortunate to have access to a universal healthcare system. However, not all services and procedures are covered by provincial healthcare plans. The attached article, Complementing Your Healthcare Benefits With Insurance, discusses how critical illness, long-term care and disability insurance can help provide financial resources – beyond the coverage provided by government and employer health plans – in the event of a critical illness or disability.
Women in Wealth
Women have made incredible strides, both professionally and personally, in the last half-century. They are better educated, have greater responsibility in the corporate world and are leaders in many professions. Despite the professional and financial successes that women in the workplace have earned in recent generations, they are still facing personal issues and unresolved challenges.