Welcome to one of the most efficient and effective investment solutions available today. The BMO Nesbitt Burns Architect Program® (Architect Program) is the next evolution in unified managed accounts, offering you:
The flexibility to invest in separately managed accounts, mutual funds, exchange traded funds, alternative investments and other eligible managed and non-managed investment vehicles – all within one account.
Active coordination of the underlying investment vehicles in the managed portion of the account for systematic portfolio rebalancing, intelligent cash management and effective tax management.
One account, one fee, one set of documents and one comprehensive statement.
Tax-Free Savings Account (TFSA)
The Tax-Free Savings Account (TFSA) is often described by the financial planning community as the single most important savings vehicle since the introduction of the RRSP. Introduced in 2009, a TFSA is an ideal tax-advantaged savings vehicle that allows your investment holdings to grow and earn income tax-free.
Individuals, 18 years of age and older 1, can contribute up to $5,000 per year to a Tax-Free Savings Account (TFSA) where the holdings grow and earn income tax-free.
Asset Mix Management
A key determinant to successful investing is an appropriate mix of assets - cash, stocks and bonds. Using recommendations from BMO Nesbitt Burns' Research Department, I work closely with my clients to develop portfolios that are appropriate for them. As part of our long-term relationship, I will recommend changes to a portfolio mix if their personal circumstances change.
Canadian Equities/U.S. Equities
For investors with a long-term outlook, equities have historically outperformed other classes of securities. Drawing on the expertise of BMO Nesbitt Burns award winning* Research Department, I will recommend a well-diversified portfolio of Canadian and/or U.S. equities to help meet each client's needs for capital growth.
Government and corporate bonds, T-bills and other fixed income securities constitute a major component of many of my clients' portfolios. The wide selection of issues available through BMO Nesbitt Burns is sure to include the right term and yield for any investor. I believe that fixed income vehicles offer an extremely attractive way to achieve steady income, moderate investment risk and potentially generate capital gains.
The financial planning process
Financial planning is an ongoing process that includes:
Evaluating your current situation
Clarifying your goals
Identifying hurdles in achieving your goals and considering alternative solutions
Developing a comprehensive written analysis with recommendations
Implementing your plan
Reviewing your plan on a regular basis
Knowing how tax rules affect your investments is essential to maximizing your after-tax return. Keeping current with changes to the tax rules is also important to understanding new opportunities could affect the way you structure your financial affairs. We will work with you and your tax professional to ensure that you minimize tax implications.
We are committed to building a solid, lasting relationship with our clients. Keeping clients informed is a top priority for us. This means providing access to a wealth of educational materials, promptly returning phone calls, and quickly following up on administrative issues. It also involves monitoring accounts on an ongoing basis to take advantage of opportunities as they arise, and changing market conditions. We regularly review goals, strategy and portfolio performance with our clients.