How we help

Bring your financial
decisions together.

As your wealth becomes more complex, connect investment management, financial planning and protection with the decisions ahead.

Explore our services Our approach

Financial planning

Your life changes. Your plan should reflect it.

A written plan connects your resources with your priorities. We update it as circumstances change and periodically as needed.

Your plan over time

Renew the plan. Track your progress.

Track portfolio progress against your renewed plan, alongside income, expenses and priorities.

Portfolio value · $ millions

A plan renewed in 2024, with portfolio values tracked against itThe original 2020 plan begins at 2.5 million and rises gradually. The renewed 2024 plan starts at the recorded example portfolio value of 3.6 million in 2024 and rises at a steeper slope. Recorded example values reach 4.15 million in 2025 and 4.6 million in 2026, above the renewed plan's 3.95 and 4.3 million. Light-blue shading marks that difference only during the recorded period. Future plan values extend to 2029; recorded values stop in 2026. All data are invented illustrations, not client results or forecasts.$5M$4M$3M$2M2020202420262029Plan renewed
2020 plan · original2024 plan · renewedRecorded portfolio valueValue above renewed plan

Example plan. Portfolio value is one input; income, expenses and commitments also shape your decisions.

Find your situation

Make sense of the complexity

See the whole picture.

Connect what you have with what you need, then consider your next decision.

What do we have?

Bring investments, business interests, property and income into one view.

What do we need?

Compare income with expenses, family support and major purchases.

What’s next?

Compare acting now or waiting against cash flow and your other goals.

Talk through a planning question

Investment management

Individual holdings. Built around you.

Customized portfolios of individual equities and Canadian investment-grade corporate bonds, reflecting your income needs, existing holdings and financial priorities.

Portfolio construction

See what your portfolio is made of.

Holdings and position sizes reflect your goals, other investments and cash needs.

Asset mix

Balance growth, income and liquidity.

Set the mix around your income needs, commitments and investment horizon.

Example mix
  • Equities50%
  • Fixed income30%
  • Alternatives15%
  • Cash5%

Equity sector mix

Manage exposure across sectors.

See how your equity holdings are spread across industries, alongside the exposures you already have.

Equity mix
  • Information Technology30.1%
  • Financials27.3%
  • Health Care10.5%
  • Industrials9.4%
  • Communication Services8.2%
  • Energy5.4%
  • Consumer Discretionary5%
  • Consumer Staples4.1%

Equities

Buy quality at a reasonable price.

Own individual companies, with holdings and position sizes chosen for your portfolio.

CompanySymbolQuantityValue (CAD)Portfolio weightSector
AlphabetGOOG380$186,0465.76%Communication Services
Eli LillyLLY102$167,7455.19%Health Care
AppleAAPL292$138,4144.28%Information Technology
MicrosoftMSFT160$120,3253.72%Information Technology
Toronto-Dominion BankTD697$117,1383.62%Financials
AmazonAMZN310$112,8823.49%Consumer Discretionary
Royal Bank of CanadaRY363$101,3463.14%Financials
BroadcomAVGO184$98,2473.04%Information Technology

Scroll sideways for all columns

Fixed income

Spread bond maturities over time.

Buy investment-grade Canadian corporate bonds near par, diversifying issuers and maturities to manage credit risk and duration.

Principal maturing · CAD

$0k$100k$200k$300k$58k2027$145k2028$300k2029$60k2030$180k2031$180k2032$60k2033
Total principal$983,000

Alternatives

Plan for capital calls and distributions.

Consider private-market opportunities through iCapital and our Family Office team alongside your liquidity needs and investment horizon.

012345678910Capital calls · Years 1–3Distributions · Years 4–10Example private-market cash flows
Capital callsDistributionsCumulative net cash flow
Meet the people behind the portfolio

Investment discipline

Buy. Review. Sell.

Our three-person team shares an office and makes investment decisions together.

Buy

Quality at a reasonable price.

Assess quality companies, growth prospects and price over a 12–18 month horizon.

Review

Revisit the investment thesis.

Review each investment thesis quarterly and when new information emerges.

Sell

Look to upgrade the portfolio.

Sales are typically driven by opportunities to upgrade the portfolio.

Talk through your investment needs

Exit Studio · Owners & founders

What could your exit make possible?

A sale price is the starting point. Understand what you could keep, what it needs to fund and which decisions could change the outcome.

Your exit outcome

Know what your exit could fund.

Connect business value with what you need after a sale.

Modeled owner outcome
Headline value$18.00M
Fees & debt−$1.05M
Ownership, structure & timing−$4.17M
Estimated tax−$3.46M
After-tax owner outcome$9.32M
Personal funding target$12.69M
Gap identified$3.37M shortfall
Owner Exit Studio

For owners of operating businesses considering a sale.

Founder Exit Studio

For investor-backed founders navigating dilution and investor terms.

From transaction to personal wealth

Make the decisions before the deal.

Compare the proceeds you could keep with the income and capital you will need after a sale.

What would reach you?

Examine debt, fees, ownership, tax and the timing of proceeds.

What would be enough?

Compare proceeds with family spending, commitments and your personal funding target.

Which decisions matter now?

Review timing and terms with your advisers, including dilution for investor-backed founders.

Insurance and protection

Protect the people who depend on you.

Review your needs and existing coverage with specialized BMO Private Wealth insurance advisers.

Goals-based coverage

Coverage built around what matters.

Compare your existing insurance with the income, obligations and estate needs you want it to support.

Example coverage review

Assessed needExisting coverage

Family income

Review

Life insurance · Income replacement

Support the people who depend on your income.

Income if you cannot work

Coverage in place

Disability insurance · Monthly benefit

Protect income during an inability to work.

Mortgage & debt

Coverage in place

Life insurance · Debt obligations

Consider the debt your family would need to address.

Estate liquidity

Review

Life insurance · Estate needs

Provide liquidity for estate obligations and intended transfers.

Review shared resources and policies across these needs.

Explore protection for your family

Your coverage review

Start with what needs protecting.

Match the purpose of each policy to your plan and the people who rely on it.

What needs protecting?

Consider income, debt and estate needs alongside your available resources.

What coverage is already in place?

Review personal and workplace policies with BMO Private Wealth insurance advisers.

What needs to change?

Revisit coverage as needs change, and coordinate estate questions with your lawyer and accountant.

Talk through a coverage question

Coordination

Bring the right advice into the decision.

Connect your financial plan with the tax, legal, banking and transaction advice that affects it.

A shared decision

Different perspectives. One decision.

See how the relevant specialists can contribute to the same question.

Advice in context

Your next decision

Bring in the specialists relevant to the question.

AccountantTax implications
LawyerLegal structure and documents
Private bankerPersonal liquidity
Commercial bankerBusiness financing, when relevant
M&A adviserTransaction terms, when relevant
Our teamYour financial plan and investments
Next stepsAgree who does what, and when.
Talk through your next decision

From advice to action

Keep the decision moving.

Work with your advisers to connect advice and clarify the next steps.

What needs deciding?

Start with the decision and the financial facts your advisers need.

Who needs to be involved?

Involve the advisers whose expertise matters to the decision.

What happens next?

Help clarify the next steps and who is responsible for each.

See how we work together

Frequently asked questions

Questions about
working together.

Who do you work with?

We work with families, business owners, founders, executives, physicians and people navigating life transitions. Their investment decisions often overlap with business, tax or family decisions. Discretionary portfolio management typically starts at $200,000; we also consider the complexity of your situation and where we can help.

Are portfolios customized?

Yes. Holdings and position sizes reflect your goals, other investments and cash needs. Individual equities and Canadian investment-grade corporate bonds form the core, with other investments considered where appropriate.

Can you work with my existing advisers?

Yes. We coordinate with the advisers involved in your situation, including your accountant, lawyer and banking advisers. We discuss how their advice affects your financial plan and investments.

Is financial planning included?

Yes. You receive a written financial plan as part of our investment-management relationship. We update it as your circumstances and priorities change, and periodically as needed. We do not offer planning-only engagements.

How are your fees determined, and what is included?

Our management fee is based on the assets we manage and reflects your portfolio and the level of service involved. It includes investment management, financial planning and coordination.

Eligible family accounts are considered together for pricing, while each family member’s account information remains private. Some third-party investments, including ETFs and alternative funds, carry additional fees and expenses. We explain your fee arrangement and applicable investment costs before you decide to work with us.

Who helps with insurance, and how are they paid?

We work with specialized BMO Private Wealth insurance advisers to review coverage and work through underwriting and implementation. Insurance advisers receive commissions from the insurer when a policy is placed, separate from our investment-management fee. Policy premiums are paid by the client.

What happens in the first conversation?

We begin with a 30–60 minute conversation about your situation, the decisions you are considering and where we could help. There is no commitment. We use the conversation to decide whether we are a good fit for each other.

Talk through your
next decision.

Tell us what you’re considering, and we’ll discuss how our team could help.

Talk with our team