Financial Planning

  • Goal setting
  • Cash-flow analysis
  • Net worth assessment
  • Investment planning
  • Retirement planning
  • Income and asset protection
  • Estate planning
  • Tax efficiency

Legacy Planning

  • Assess current and potential estate value
  • Determine obligations (debts, dependents, taxes and probate costs)
  • Identify estate planning issues  and opportunities
  • Devise strategies to fund obligations and wishes

Philanthropic Giving

  • Establish a donor advised fund through the BMO Nesbitt Burns Charitable Giving Program

 

Protecting Your Lifestyle

  • Income continuance planning (life and disability insurance)
  • Develop asset protection strategies (mortgage life insurance, business continuation insurance, critical illness and long-term care insurance and insurance for estate planning).

 

 

Tax Efficiency

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

 

Retirement Planning

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

Investment Planning

  • Establishment of investment objectives
  • Asset allocation strategy development
  • Portfolio design and security selection
  • Investment management and advice
  • Selection and monitoring of investment managers
  • Periodic portfolio reviews and rebalancing

 

Business Financial Services

  • Access to Commercial Banking Specialists
  • Business investment management
  • Succession planning and business transfer assistance

 

Credit and Banking Strategies

  • Effective credit management – mortgage, line of credit, personal and business loans
  • Cash management