We take a consultative approach to working with each individual client. Utilizing a 5 step process, we ensure that your investment plan reflects your needs.

Our 5 Step process includes:

1. Understanding Clients' Needs

• Providing for future generations

• Dealing with inheritance

• Understanding Estate related needs

• Living a comfortable retirement

2. Planning for Clients' Needs

• A review of the client's current financial position

• An understanding of issues that are most important to the client

• The setting of priorities and identifying action items

• Involvement of other professionals, if required

3. Choosing Appropriate Solutions

• BMO Nesbitt Burns offers one of the most comprehensive selections of investment products and solutions in Canada, backed by the Country's top investment research.*

• Our wealth management services

4. Reviewing and Communicating with Clients

• Electronic access through Gateway to detailed statements of your portfolio

• Telephone contact with our team all day during business hours, face-to-face reviews, annually, semi-annually or quarterly

• Using BMO Nesbitt Burns proprietary reporting system, we will facilitate performance reporting on an ongoing basis using a client-friendly format

5. Evolving and Adjusting Each Client's Plan

• Adjusting our clients' financial plans as they go through all stages of life

• We will work closely with clients to ensure that their investments and finances meet their current needs for income, growth and diversification

• Our team will continuously monitor our clients' portfolios, and make adjustments as per our clients' risk tolerance and inaccordance with market forces

* Brendan Wood International Survey. Institutional Equity Research, Sales and Trading Performance in Canada, 2008 Report.