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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
BMO Nesbitt Burns
76 King Street W
Cobourg, ON
K9A 2M3
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Research & Articles

Publications
COVID-19 Update
COVID-19 Podcast
February 02: In this episode, Sylvain Brisebois, National Sales Manager, BMO Private Wealth is joined by Larry Zelvin, Head, BMO Financial Crimes Unit, for an insightful discussion on the rise in cybersecurity threats and steps we can take to better protect ourselves in the digital world.
Other
Karen's Investment Insight Newsletter - Dec20
Karen's 1Q2021 Investment Insight Newsletter featuring articles on: What Have You Told Children? The Risk of Doing Nothing; Don't Forget Your Time Horizon; Lessons from the Pandemic.
Karen's Investment Insight Newsletter - Sep20
Karen's 4Q2020 Investment Insight Newsletter featuring articles on: Looking Beyond the Will; Year-End Tax Planning Checklist; The Case For Diversification; The Role of the Executor.
Karen's Investment Insight Newsletter - Jun20
Karen's 3Q2020 Investment Insight Newsletter featuring articles on: Changes to RRIF in 2020; Dollar-Cost Averaging; Markets Are Cyclical; Common Investing Errors
Karen's Investment Insight Newsletter - Mar20
Karen's 2Q2020 Investment Insight Newsletter featuring articles on: RRIF Withdrawals: Plan Ahead; Tax Season Is Here; TFSA: Don't Delay!; The Economic Path Forward.
Karen Chalovich Personal Investing brochure
Chalovich Team Profile
Profile on Karen Chalovich, Portfolio Manager, Vice President, Senior Investment Advisor, Financial Planner, and Chalovich Team members, Business Approach, Investment Process, Our Services, and Specialties.
Education and Knowledge
What BMO Nesbitt Burns Offers
BMO Nesbitt Burns: Who Are We?, Our history?, How are clients protected?
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.
Estate & Succession Planning
Probate Fees and Taxes
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.
Managing Your Wealth
Managed Investing
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.
Wealth Planning Facts & Figures
This is a helpful resource summarizing important tax, retirement and estate planning information.
Tax Planning Strategies
Donating Appreciated Securities
How to help out your favourite charity while you benefit from reducing your taxes, during your lifetime or after death in your will.
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.
Personal Tax Calendar 2021
While most Canadians are aware of the April 30 personal income tax filing deadline, there are other important tax deadlines that must be observed over the course of the year – especially if you want to take advantage of certain tax deductions and credits. This calendar summarizes several important dates on the tax calendar and offers some tips to help you with your overall wealth planning. Where a deadline falls on a weekend or a holiday recognized by the Canada Revenue Agency (“CRA”), the deadline is generally extended to the next business day.