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

COVID-19 Update
Perspectives on Investing & the Covid-19 Impact - Apr20
The impact of the Covid-19 virus continues to change each week. Please see attached, some current perspectives for investors during these uncertain times.
Canada’s COVID-19 Economic Response Plan
In a response to the COVID-19 outbreak, on March 18, 2020, the Federal government announced an economic proposal that includes a set of fiscal and tax measures. The aid package includes an estimated $82B to support individual Canadians and businesses, including a deferral of the 2019 individual tax return filing deadline, deferral of certain personal and corporate tax liabilities, and a 25% reduction in required 2020 RRIF minimum payments. Canada’s COVID-19 Economic Response Plan provides a summary of select measures that impact individuals and businesses. Please contact the office if you have any questions.
Unprecedented
The BMO Nesbitt Burns Portfolio Advisory Team prepared a report that provides perspective on the on the unprecedented shock COVID-19 has had on equity and fixed income markets. As a reminder, it is always important to maintain a long-term perspective on your investment strategy. Please contact the office if you would like to discuss your investment portfolio.
In the Eye of the Coronavirus and Oil Storm
The BMO Nesbitt Burns Portfolio Advisory Team prepared a report that provides perspective on the Coronavirus, the oil market-share war, and their impact on the markets. As a reminder, it is always important to maintain a long-term perspective on your investment strategy. Please contact the office if you would like to discuss your investment portfolio.
Extra-ordinary Measures for Extra-ordinary Times
Lesley Marks, CFA, Chief Investment Strategist BMO Private Wealth, reviews the most recent measures taken by policy-makers to prevent a financial crisis from the global pandemic.
COVID-19 Podcast
On April 1, Sylvain Brisebois, Senior Vice-President and National Sales Manager, BMO Private Wealth, spoke with Richard Belley, Fixed Income Strategist and Portfolio Manager, BMO Nesbitt Burns Portfolio Services Group, to discuss the bond markets, interest rates, central banks and Fixed Income Exchange-traded Funds. Listen to a playback of the conversation: 1-866-595-3735 I ID 306731092#
Other
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's Investment Insight Newsletter - Dec19
Karen's 1Q2020 Investment Insight Newsletter featuring articles on: RRSP Season: Spousal RRSP's; The Value of Dividends; Practicing Good Digital Hygiene; How Often Do You Check Investments.
Karen's Investment Insight Newsletter - Sep19
Karen's 4Q2019 Investment Insight Newsletter featuring articles on: Back to School: RESPs for Grandkids; Yield Curve & Interest Rates; Gifting Funds to Adult Children? It's a Matter of Trust.
Karen's Investment Insight Newsletter - Jun19
Karen's 3Q2019 Investment Insight Newsletter featuring articles on: Budget Recap for Old & Young; Sitting Still Can be Difficult; Our Growing Debt Levels; Using a Professional Executor.
Karen's Investment Insight Newsletter - Mar19
Karen's 2Q2019 Investment Insight Newsletter featuring articles on: Keep Probate in Perspective; Tax Time: Pension Income Splitting; Update Your Beneficiaries; It Can Be Taxing to be a Snowbird.
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.
Education and Knowledge
What BMO Nesbitt Burns Offers
BMO Nesbitt Burns: Who Are We?, Our history?, How are clients protected?
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.
Contribution Reminder for Your BMO Nesbitt Burns RRSP / TFSA / RESP
These plans represent highly effective ways for you to save for retirement, your children’s (or grandchildren’s) education and other long-term goals, while providing significant tax-saving opportunities. Here are some important details about each.
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 is a weekly financial digest.
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
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.
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.
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
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 2020
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 2020 and summarizes important tax deadlines and provides some planning tips for you to consider throughout the coming year.