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David Harnum
Rick Harnum
Janet Gould
Crystal Button

Address
100 New Gower Street
Suite 390
St. John's, NL
A1C 6K3
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Our Services

To help you accumulate, manage and preserve personal wealth, BMO Nesbitt Burns provides a full range of wealth management services.

Financial Planning

  • Goal Setting
  • ​Cash-Flow Analysis
  • Net Worth Assessment
  • Investment Planning
  • Retirement Planning
  • Insurance Planning – Income and Asset Protection
  • Estate Planning
  • Tax Efficiency
 

Banking & Credit Strategies

  • Private Banking
  • Effective credit management – mortgage, line of credit, personal and business loans
  • Cash management services
  • Access to Commercial Banking Specialists

 

Retirement Planning

  • Identify goals
  • Evaluate expected income and expense obligations
  • Determine additional savings needed
  • At retirement, develop a tax-efficient income strategy
     

Investment Planning

  • Establishment of investment objectives
  • Asset allocation strategy including re-balancing
  • Portfolio design and security selection
  • Investment management and advice
  • Selection and monitoring of third-party investment managers
  • Periodic portfolio reviews

 

Tax Efficiency

  • Review current and future tax situations
  • Uncover opportunities to save taxes or defer taxation
  • Develop strategies to cover future tax liabilities
 

Insurance Planning – Protecting Your Lifestyle

  • Income continuance strategies (such as annuities, critical illness, long-term care and disability insurance)
  • Asset protection strategies (mortgage life insurance, business continuation insurance, critical illness and long-term care insurance and insurance for estate planning)
 

Succession & Legacy Planning

  • Business succession planning, financing and valuation services
  • Business transfer assistance
  • Access current and potential estate values
  • Determine obligations (debts, dependents, taxes and probate costs)
  • Identify estate planning issues and opportunities
  • Devise strategies to fund obligations and wishes

 

Philanthropy

  • Charitable Donations
  • Planning giving strategy
  • Donor-advised funds or private foundation