RIFF

Self-Directed RRIF

Retirement isn’t what it used to be
Chances are you’re as active and involved in pursuing your passions and contributing to your community as ever. You may be retired, or thinking about it. But you’re not retiring from life.

At BMO Nesbitt Burns, we offer specialized advice and tools for people who are planning to live their lives on their own terms.

Selecting the right retirement income option is one of the most important financial and estate planning decisions you’ll make. Especially today, when statistics show that Canadians are living longer, healthier lives. If you’re fortunate, your retirement will last 30 years or longer. So it’s important to make choices that not only protect your savings but ensure that the purchasing power of your money lasts for decades.

The maturity option of choice
Like many Canadians, over the years you have wisely invested in a Registered Retirement Savings Plan (RRSP) in order to save for your retirement. You have accumulated a significant amount of money that will soon be used to supplement your retirement income.

A Registered Retirement Income Fund (RRIF) allows you to continue to earn tax-deferred income on a significant portion of your retirement assets while providing you with the flexibility to increase your withdrawal at any time. For these reasons, RRIFs are the RRSP maturity option of choice for many Canadians.

The custom fit of a BMO Nesbitt Burns Self-Directed RRIF
Because a significant portion of your funds will remain invested for many years, it is important that you protect your capital while ensuring that it maintains its purchasing power over the long term. A Self-Directed RRIF enables you to enhance your investment returns by allowing you to select from a wide variety of qualified investments. You may even take advantage of the exciting investment opportunities available internationally.

Professional advice
With the help of our sophisticated planning software program, your Investment Advisor can design a plan to help you take control of your finances, so that you can enjoy a comfortable retirement. The many elements that affect retirement including your sources of retirement income such as government and company pension plans, RRSPs, investment income, current tax rates and inflation will be taken into consideration.

Flexibility and control
You may choose from a wide range of eligible investments including bonds, mortgage-backed securities, treasury bills, mutual funds, and common and preferred shares. As market conditions fluctuate, new investments become
available, or your personal circumstances change, you may easily alter your RRIF portfolio to respond to these changes.

Consolidated reporting
Combining all of your RRIFs into a single Self-Directed plan makes your retirement planning much easier. You will receive one statement which summarizes all of your RRIF investments and all activity in your account. In addition, you automatically receive confirmation of every investment transaction. At the end of the year, you are sent a T4RIF for filing with your income tax return indicating how much money was paid to you from your RRIF during the year.

Highest quality research
BMO Nesbitt Burns’ research team has been ranked number one in Canada for the past 28 years.* Your Investment Advisor has access to timely economic information and expert opinions on not only stocks, but also bonds and other fixed income investments.

BMO Nesbitt Burns Gateway^®
BMO Nesbitt Burns Gateway provides you with convenient Internet access to your BMO Nesbitt Burns RRIF. You can view your RRIF holdings in detail; check past transactions; establish virtual portfolios; access prices on stocks, options and mutual funds; and communicate with your Investment Advisor.

BMO Nesbitt Burns - A profile
Since its origins in 1912, BMO Nesbitt Burns has been committed to helping clients meet their investment objectives and goals with the highest of standards.

Today, the Private Client Division of BMO Nesbitt Burns focuses on meeting the needs of individual investors through a customized approach to wealth management. Our Investment Advisors provide clients with personal advice
and services, drawing upon some of the best knowledge and expertise in the industry.

As a member of BMO Financial Group, BMO Nesbitt Burns also provides clients with access to one of the broadest selections of wealth management solutions and services available today, both in Canada and the United States.

The quality of your retirement is important to us
At BMO Nesbitt Burns, we are committed to
helping you reach your retirement objectives.
We will listen to what you want, work with you to
develop a plan that makes you comfortable, and
commit to a long-term professional relationship
providing quality advice as it is needed.
Whether you have already retired or are just
beginning to plan, now is the right time to call
your BMO Nesbitt Burns Investment Advisor.
Let us help you turn your RRSP into the lifestyle
you dream about.

Disclaimer:
BMO Nesbitt Burns Inc. and BMO Nesbitt Burns Ltée are both wholly-owned subsidiaries of Bank ofMontreal andMember CIPF. BMO Nesbitt Burns Inc. and BMO Nesbitt Burns Ltée (collectively
"BMO Nesbitt Burns") provide this publication to clients for informational purposes only. The information contained herein is based on sources that we believe to be reliable, but is not guaranteed by us,
may be incomplete ormay change without notice. The comments included in this publication are not intended to be legal advice or a definitive analysis of tax applicability or trusts and estates law.
Professional advice regarding an individual's particular position should be obtained. To U.S. residents: BMO Nesbitt Burns Securities Ltd., an affiliate of BMO Nesbitt Burns Inc., accepts responsibility for
the contents herein, subject to the terms set out above.
® "BMO (M-bar roundel symbol)” is a registered trade-mark of Bank ofMontreal, used under licence. "Nesbitt Burns” and "Nesbitt Burns Gateway” are registered trade-marks of the BMO Nesbitt Burns
Corporation Limited, used under licence.
™/® Trade-marks / registered trade-marks of Bank ofMontreal, used under license.
* BrendanWood International Survey. Institutional Equity Research, Sales and Trading Performance in Canada, 2008 Report.