At BMO Private Wealth, we have the ability to build a portfolio with a high level of sophistication that is customized to suit your needs, no matter how complex they may be.

 

Discipline.

First, we will obtain a clear understanding of your:

  • Long-term objectives,

  • Appetite for risk,

  • Need for cash flow, stability of returns, and

  • The current tax efficiency of your overall investment strategy.

 

Then, we will integrate your personal and professional goals into one disciplined portfolio, applying our prudent and disciplined approach that emphasizes risk management, diversification across asset classes and tax-efficient asset allocation.

 

Customization.

Paying particular attention to your precise risk tolerance and maintaining low and transparent fees, we will design and monitor a unique portfolio based on your individual parameters. Our goal is to maximize your long-term growth potential while creating a tax-wise, consistent income stream for retirement. We will monitor your portfolio regularly and carefully to manage risk and report your progress in meetings with you at least twice yearly.
 

Due Diligence.

Our investment recommendations are based on industry-leading research coverage from BMO Capital Markets and select third-party research to make certain that your portfolio is prudently invested and focused on generating long-term returns consistent with your profile.

 

Account Options.

We work with clients through one of the following account options. Let’s discuss which one is best for you.

 

The BMO Private Wealth Architect Program brings you access to institutional-calibre investment managers, enhanced diversification and active portfolio oversight. Your portfolio is rebalanced quarterly to maintain your objectives and year-end tax loss harvesting minimizes tax reporting. This account allows us to combine various managers with different specializations and to use mutual funds for some categories that are not large enough in the portfolio to warrant using individual stocks or bonds. Mutual funds are held in the same account as your managed stocks or bonds, according to your unique parameters. Finally, this account even allows us to use low-cost exchange traded funds (ETFs) to build broad diversification at a very low cost.

  • Your customized Investment Policy Statement outlines your needs, goals, parameters, and risk tolerance.

  • We lay the foundation of your asset mix strategy.

  • We construct your custom portfolio composed of specialized managers’ funds and other investment vehicles.

  • You benefit from active monitoring and maintenance from a team of experienced professionals.

  • We monitor the non-managed portion while the managed portion receives daily attention from the overlay portfolio manager, putting the Architect Program in a class of its own.

  • Active coordination of the underlying investment vehicles in the managed portion of the portfolio for systematic rebalancing, intelligent cash management and effective tax management.

  • Architect gives us the flexibility to invest in separately managed portfolios, mutual funds, exchange traded funds, alternative investments and other eligible managed and non-managed investment vehicles – all within one solution.

  • You pay one fee and receive one set of documents and a comprehensive statement.

 

The BMO Private Wealth Meridian Program provides your portfolio with a flexible combination of individual securities, ETFs and mutual funds. In collaboration with you, we will structure portfolios with the characteristics necessary to achieve strong performance over time. Investment management fees are fully disclosed, and you have access to Gateway, our online account access portal, which allows you to view your portfolio online at any time. The goal is to put you and our team on the same side of the table, so that we are aligned in achieving your stated objectives.