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Karen Chalovich
Teresa Smith
Heather Gingell

Tel: 905-373-1507
Toll Free: 1 800-934-9992
Fax: 905-373-9331

Address
17 King Street E.
Cobourg, ON
K9A 1K6
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Research

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Karen's Investment Insight Newsletter - Sep18
Karen's 4Q2018 Investment Insight Newsletter features articles on: Your RESP Withdrawal Strategy; Year-End Tax Tips; Reasons to be Thankful; Offsetting Capital Gains.
Karen's Investment Insight Newsletter - Jun18
Karen's 3Q2018 Investment Insight Newsletter features articles on: CPP: When to Start Benefits; Starting a Dialogue with Parents; Planning for Longevity; Joint Ownership: Good, Bad & Ugly.
Karen's Investment Insight Newsletter - Apr18
Karen's 2Q2018 Investment Insight Newsletter features articles on: Index Asymmetry; Federal Budget 2018; The Role of the Executor; Losing a Spouse
Karen's Investment Insight Newsletter - Jan18
Karen's 1Q2018 Investment Insight Newsletter features articles on: Perspective on Returns; Small Business Tax Changes; TFSA Over-Contributions; Common Retirement Pitfalls
Karen Chalovich Personal Investing brochure - Sep15
Chalovich Team Profile
Profile on Karen Chalovich, Vice President, Senior Investment Advisor, Financial Planner, and Chalovich Team members, Business Approach, Investment Process, Our Services, and Specialties.
BMO Nesbitt Burns Gateway®
This article provides an overview of the information and tools available through Gateway. A key feature of Gateway is the ability to access your BMO Nesbitt Burns account statements and trade confirmations electronically by signing up for eDocuments.
Tax Planning Strategies
How Investment Income is Taxed - 2018
Knowing how tax rules affect your investments is essential to maximize your after tax return. Cdn Tax Brackets, Interest, Dividends, Capital Gains, Foreign Tax.
Donating Appreciated Securities - 2018
How to help out your favourite charity while you benefit from reducing your taxes, during your lifetime or after death in your will.
Year-End Tax Planning Tips
While tax planning should be a year-round activity, this publication outlines some tax planning opportunities that may help you reduce your tax bill for the current year.
Tax Tips For Investors
Knowing how the tax rules affect your investments is essential. Tax strategies that you should consider such as income splitting, charitable giving and estate planning.
Canadian Snowbirds and U.S. Income Tax
Although Canadian snowbirds reside in the U.S. for only a part of the year, there is the potential of being considered a U.S. resident and, in turn, having to pay U.S. income tax on the same basis as a permanent U.S. resident. This article outlines how the U.S. government determines whether you are a resident for income tax purposes; namely, it covers the criteria for meeting the Substantial Presence Test, Closer Connection Exception and the Canada U.S. Income Tax Treaty Tie-Breaker Rules.
Personal Tax Calendar 2018
Tax planning should be a year round activity, in order to maximize the savings opportunities available to you. The Personal Tax Calendar has been updated for 2018 and summarizes important tax deadlines and provides some planning tips for you to consider throughout the coming year.
Managing Your Wealth
Managed Investing - Mar13
Managed solutions, ensuring your investments are professionally managed, giving you the freedom to concentrate on the more important things in your life.
Wealth Management Solutions
BMONB Wealth Management Solutions featuring Financial Planning, Investment Planning, Retirement Planning, Legacy Planning, Tax Efficiency.
2018 Wealth Planning Facts & Figures
This 2-page summary includes relevant and important tax, retirement, and estate planning information.
Wealth Themes
Wealth Themes is a monthly compilation of timely articles and tools from our experts and other BMO Financial Group partners.
Fee for Advice Solutions
The attached article provides an overview of BMO Nesbitt Burns’ comprehensive selection of fee for advice programs.
Wealth Planning Facts & Figures
This is a helpful resource summarizing important tax, retirement and estate planning information. The attached summary has been recently updated to include Tax-Free Savings Account (TFSA) and Registered Retirement Income Fund (RRIF) changes that were announced in the 2015 Federal Budget. The 2015 top marginal tax rates have also been updated to reflect provincial budget changes.
Estate & Succession Planning
Probate Fees and Taxes - Feb17
What is Probate? When is Probate Required? The Cost of Probate? Planning to Reduce Probate Taxes, RRSPs/RRIFs/TFSAs, Life insurance, Gifts, Joint Ownership, Trusts, Corporations, Multiple Wills.
Planning for the Family Vacation Property
If you own a vacation property, this provides information on the tax consequences of selling a second home and highlights important estate planning considerations, if your plan is to keep your vacation property in the family for the next generation.
Digital Assets and Your Estate Plan
This article discusses common digital asset considerations and important information for making sure they are properly addressed in your estate plan.
Estate Information Organizer
This is designed to help your family, executor (referred to as a “liquidator” in Quebec), or Power of Attorney for Property (referred to as a “mandatory” in Quebec) locate all of your important documents and other information needed to administer your estate or act as your Power of Attorney for Property
Economic and Market Updates
Fixed Income Strategy
Strategic commentary on fixed income and an overview of fixed income markets.
Portfolio Strategy
Strategic commentary and an overview of financial markets.
Equity Strategy
Strategic commentary on equities and an overview of financial markets.
Focus
FOCUS: A Weekly Financial Digest
Education and Knowledge
What BMO Nesbitt Burns Offers Jan16
BMO Nesbitt Burns: Who Are We?, Our history?, How are clients protected?
BMONB Process is a Two Way Partnership - Jun15
BMONB Our Process is a Two Way Partnership
CIPF - Dec16
The Canadian Investor Protection Fund (CIPF) was created to protect clients' assets if Investment Dealer that is CIPF member becomes insolvent.
Protecting Your Investment Assets
BMO Nesbitt Burns operates in strict adherence to the regulations, policies and bylaws dictated by the governing bodies of our industry. This article provides an overview of our regulators, our process for handling client concerns and the protection available to you as a client of BMO Nesbitt Burns.
Providing Investors with Full Disclosure Through the Client Relationship Model
This piece outlines what CRM is and how it provides the disclosure necessary to maintain and build trust among investors.