Retirement isn’t what it used to be
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.
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
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.
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
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
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
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
available, or your personal circumstances change, you may easily alter your RRIF portfolio to respond to these changes.
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
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®
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
BMO Nesbitt Burns - A profile
origins in 1912, BMO Nesbitt Burns has been committed to helping clients
meet their investment objectives and goals with the highest of
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.
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.
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.
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.