Disciplined, tax-wise investing


Whether you are a conservative or growth-oriented investor, and whether you are just starting out or in retirement, we will design a prudent investment plan that best suits your needs. At BMO Private Wealth, we have the ability to build a portfolio that is customized to suit your needs no matter how complex and sophisticated they may be.


Tax-efficient asset allocation is always our priority for every client. We will diversify your assets across various accounts to minimize taxation for your non-registered, corporate, retirement, trust and Tax-Free Savings Accounts (TFSAs). Our fees are tax-deductible on non-registered accounts in your portfolio.


Clarity and communication


We are committed to keeping you informed by consistently providing:

  • Full and transparent fee disclosure on your monthly statement.

  • A clear monthly review of your portfolio performance.

  • A regular review of your financial plan to ensure you are on track.

  • Consolidated tax reporting.

  • Consolidated performance summary reports.

  • Access to Gateway, our online account access portal, which allows you to view your portfolio online at any time.


Our key principles

Discipline. First, we will obtain a clear understanding of your long-term objectives, appetite for risk, need for cash flow and stable returns, and the current tax efficiency of your investment strategy. Then, we will integrate your goals into a disciplined, balanced portfolio, applying our prudent, strategic approach that emphasizes risk management, diversification across asset classes and tax-efficient asset allocation.


Our team builds all-season portfolios designed to thrive even through difficult markets and takes a consistent approach during all cycles. Striving for a good, risk-adjusted return, we look for strong balance sheets and smart management teams within companies that can adjust nimbly to changing needs, trends and unforeseen influences.


Customization. Paying 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 Semi annually  or more often if you prefer.


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.


We continually rebalance our portfolios to keep our numbers on track. That is, we recalibrate to maintain the asset allocation percentages we have agreed upon. This is key to your long-term success.