Our Approach to Wealth Management - Personalized Financial Services

Wealth management is about more than just numbers.

It's about people, plans, and making good decisions year after year, decade after decade.

At Bongard Wealth Advisory, our approach combines five generations of experience with a modern, client-first mindset. We help you make smart financial decisions that align with your goals, your values, and the life you're building.

We work with a select group of clients across business, medicine, and professional services; people who value advice, but don't want to manage it all themselves. Whether you're preparing for retirement, building your business, or planning your legacy, we offer calm, coordinated guidance at every step.

We don't sell products. We don't outsource planning. And we don't believe in one-size-fits-all. We take the time to understand your full picture and build a strategy that fits your life, not the other way around.

How We Work With Clients

We make complex decisions feel simple. Here's how:

Understand Your Story

We start by listening.

Your life, business, family, and values shape every financial decision you make, so we take the time to understand them. This isn't a questionnaire; it's a real conversation.

Build the Plan

We design a strategy around your life.

Whether you're planning for retirement, selling your business, or building inter-generational wealth, we create a tailored plan that aligns your goals, risk tolerance, and timeline.

Put the Strategy to Work

We manage your portfolio proactively.

Our investment approach is disciplined and discretionary. We make decisions on your behalf, so you can focus on your life, not the markets.

Adapt as Life Changes

We stay flexible and forward-thinking.

Life doesn't follow a spreadsheet. When your circumstances shift, career, family, health, or opportunity, your plan does too. We're with you at every step.

Stay Close and Transparent

We believe in clarity, not complexity.

You'll always know what's happening and why. Regular meetings. Clear reports. No jargon. And we coordinate with your accountant and lawyer to keep everything working in sync.

"We don't just help you make a plan. We help you make decisions."

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How We Invest

Discretion. Diversification. Designed Around You.

We manage portfolios with the same care we'd use for our own family, focused on long-term clarity, not short-term noise. Our strategy blends disciplined portfolio management with high-conviction ideas, research-driven decisions, and smart diversification.

We draw on five generations of experience and research from leading institutions like BMO Capital Markets and JP Morgan, to construct portfolios that grow with you, adapt to your goals, and stay resilient through change.

Equities

We invest in a focused portfolio of 30–40 high-conviction companies across Canada and the U.S., guided by deep research from BMO Capital Markets and JP Morgan. Every name in the portfolio has a purpose - no index hugging, no filler.

Fixed Income

Debbie started her career on the institutional bond desk and brings that same focus today. We use investment-grade corporate bonds to build durable income streams, preserve capital, and anchor portfolios through market cycles.

Alternatives

Through the BMO Family Office platform, we provide access to exclusive alternatives like private equity, real estate, private credit, and venture capital. These non-traditional assets help diversify returns and reduce reliance on public markets.

Diversification

Diversification is more than spreading risk, it's structuring your portfolio across asset classes, sectors, and geographies to protect against the unexpected. We tailor every allocation to your long-term goals and cash flow needs.

"We don't try to predict the market. We prepare for it."

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Why Clients Choose Us

We're not the biggest team at the bank, and we like it that way. We work closely with a select group of clients who want real advice, not just access to products. Clients choose us for a few simple reasons:

We Lead with Listening

Every client relationship starts with a real conversation, not a pitch or a script. We take the time to understand your goals, values, and story before making a single recommendation.

Your Portfolio, Personally Managed

As fiduciary Portfolio Managers, we manage and customize your investments directly, not outsourced to an external manager or a one-size-fits-all model. Every decision is made in-house by our team, guided by your long-term goals, risk tolerance and life circumstances.

We Think in Years, Not Quarters

Markets move fast, but real wealth is built patiently. Whether you're planning a business exit or a family legacy, our long-term approach helps you focus on what matters and filter out the noise.

Built for Life's Transitions

Life changes, sometimes in ways you can't plan for. From retirement to business sales to inheritance, we help you navigate big transitions with clarity and confidence.

Financial Planning That Evolves With You

Your financial plan isn't set-it-and-forget-it. We revisit it regularly, adjusting for career shifts, market moves, and family milestones, so it always reflects your life.

Risk Management You Can Rely On

Protecting what you've built matters. From insurance reviews to succession planning, we help ensure your plan accounts for the unexpected and safeguards your family's future.

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Built to Last. Designed for Now.

A Century in Finance. Still Personal Today

For over a century, the Bongard family has been part of Canada's financial story through market booms, recessions, reinventions, and everything in between. That legacy isn't just about longevity. It's about values: clarity over complexity, relationships over transactions, and a belief that great advice stands the test of time.

At Bongard Wealth Advisory, we carry those values forward with a modern lens. We believe clients deserve advice that is disciplined, independent, and deeply personal. Our process is built around your real life, not a template. We prioritize quality over quantity, trust over trends, and staying close over staying surface-level.

We know that wealth is more than numbers, it's the result of years of work, sacrifice, and planning. And it should be managed with the same level of care.

"Some teams talk about performance. We talk about purpose. We're here to grow and protect your wealth ,not just for the next quarter, but for the next generation."

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Bongard family financial legacy - over 100 years of trusted service

Our Approach