Who We Serve

 

Professionals & Executives

Celebrating Your Professional Success

We understand the unique challenges professionals and executives face—managing complex compensation packages, optimizing tax strategies, and planning for a secure future. Our goal is to provide tailored advice and strategies to help you grow and protect your wealth.

 

What We Offer:

• Tax Planning & Optimization: Strategies to minimize taxes and maximize benefits.
• Liquidity & Investment Management: Invest surplus income to build a strong portfolio.
• Retirement & Succession Planning: Prepare for a smooth transition and protect your legacy.
• Integrated Banking Solutions: Personal credit, mortgages, and financing—all under one roof.

 

Specialized Solutions:

• Individual Pension Plans (IPPs): Ideal for incorporated professionals, offering higher contributions than RRSPs and enhanced creditor protection.
• Income Strategies: Generate a steady income stream while maintaining flexibility for market opportunities.

Business Owners

Supporting Entrepreneurs at Every Stage

We know the time, risk, and effort it takes to build a successful business. Our mission is to help you preserve and grow your wealth while maximizing synergies between your personal and corporate finances.

 

What We Offer:

• Lifecycle Planning: From growth to maturity and eventual sale.
• Tax Efficiency: Leverage corporate tax rates and dividend strategies.
• Corporate Reserve Management: Invest retained earnings strategically to meet long-term goals.
• Succession Planning: Prepare for sale or transfer, find the right buyer, and maximize value.

 

Specialized Solutions:

• Banking & Financing Under One Roof: From business banking to corporate finance, plus personal credit solutions.
• Sale Preparation & Transition: Business valuation, negotiations, and retirement income planning.
• Wealth Transfer: Tax-efficient strategies to pass assets to your heirs.

 

 

Pre-Retirees & Retirees

The ideal retirement is not one size fits all. Your priorities and preferences will evolve over that time — what you consider ideal when you first step into retirement might not be sustainable or even feasible 15 years later.

 

Retirement Planning

Your best retirement starts with a great plan. No matter where you are on your journey, the perfect time to start planning for retirement is now. The sooner you start saving for retirement, the more time your money has to grow. So, how can a financial planner help you make real financial progress on the road to retirement? For starters, by taking a holistic look at your goals and setting up a personalized strategy to help you achieve them.

• Set our retirement goal.
• Maximize your savings and investment.
• Learn how to manage spending in retirement.

 

Living in retirement

Even the best retirement plans need the occasional adjustment. As you enjoy this new chapter of your life, make sure that your money keeps doing what it’s supposed to do. You’re allowed to change your mind, change your goals or change your plan entirely. A financial planner can help keep your money working hard for you, no matter where retirement takes you.

Families & Legacy Builders

Working with BMO Family Office provides access to industry-leading expertise, enabling families to steward wealth with purpose across multiple generations, and effectively define and meet lifestyle objectives.

 

The BMO Family Office approach provides you with:

• Insights and perspectives from our deep experience in advising individuals and families
• Institutional-style platform, delivered with a boutique, personal touch
• Access to the right people, knowledge and expertise, and unique investment opportunities
• A focus on legacy planning to help successfully steward wealth on a multi-generational level
• Objectivity and non-conventional thinking, enabling us to challenge the status quo and bring innovative idea generation