Availabe to you as a client
|Asset Preservation & Income Generation
Many families are concerned about their financial security in retirement and preserving the value of their estate for the next generation.
Whether your goal is estate preservation, income replacement, tax minimization or business succession planning our Estate & Insurance Advisors can provide you with the insurance solutions best-suited to complement your wealth management strategy.
Products available include:
- Universal life insurance with domestic, U.S. and international investment options
- Whole life insurance
- Term insurance
- Disability insurance
- Critical illness insurance
- Long term care insurance
- Annuities (registered and non-registered)
- Segregated funds
- Canadian Equities/U.S. Equities
For investors with a long-term outlook, equities have historically outperformed other classes of securities. Drawing on the expertise of BMO Nesbitt Burns top-ranked* Research Department, I will recommend a well-diversified portfolio of Canadian and/or U.S. equities to help meet each client's needs for capital growth.
Government and corporate bonds, T-bills and other fixed income securities constitute a major component of many of my clients' portfolios. The wide selection of issues available through BMO Nesbitt Burns is sure to include the right term and yield for any investor. I believe that fixed income vehicles offer an extremely attractive way to achieve steady income, moderate investment risk and potentially generate capital gains.
With more than 4,000 funds offered in Canada how do you make an investment choice that is right for you?
At BMO Nesbitt Burns, I have access to an entire department dedicated to providing mutual fund research. Our skilled and experienced specialists regularly meet with fund managers to assess and review fund strategies as well as closely monitor and compare ongoing performance. Together we will be able to choose with confidence from our list of recommended mutual funds.
Saving and investing for a comfortable retirement has become a major concern for Canadians. Increasingly, investors have sought alternatives to government and corporate pensions and, in many cases, have turned to mutual funds for their attractive returns and diversification. At the same time, mutual funds have not provided assurance of investment safety, potential protection from creditors and, in the event of death, possible relief from the costs and delays of probate.
Some investors have discovered a solution in segregated or "seg” funds; an innovative investment product with several unique features and guarantees. Seg funds allow investors to experience the growth available from more traditional investments at a reduced level of exposure to risk.
However, segregated funds aren’t for every investor; deciding if they’re for you and then selecting the right one for your needs can be difficult. It’s important that you work with an Investment Advisor who understands seg funds and their unique investment and estate planning considerations.
At BMO Nesbitt Burns, we have the necessary knowledge and experience to help you determine if seg funds are right for you. We can then establish and implement a sound segregated funds investment strategy on your behalf. Working together, we can select from a wide choice of segregated funds - across all categories and styles of management offered by BMO Estate Insurance Advisory Services.
1SUBJECT TO ANY APPLICABLE DEATH AND MATURITY GUARANTEE, ANY PART OF THE PREMIUM OR OTHER AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE CONTRACTHOLDER AND MAY INCREASE OR DECREASE IN VALUE ACCORDING TO FLUCTUATIONS IN THE MARKET VALUE OF THE ASSETS IN THE SEGREGATED FUND.
Insurance services and products are offered through BMO Estate Insurance Advisory Services Inc., a wholly-owned subsidiary of BMO Nesbitt Burns Inc. (For seg funds only)
A nominee account is one in which an investment is held in trust for an individual by a corporation or entity other than the individual. A segregated fund policy held within a self-directed plan is one example of investing in a nominee account. A segregated fund held in a nominee account may not offer creditor protection. (For seg funds only)