Sound Financial Advice
Many financial activities in life concern us all; adequate income for retirement, minimizing taxes, preservation and growth of capital. Our team of investment professionals will help you identify your financial objectives, while reflecting your unique requirements: income and security, tax considerations, your current portfolio, past investment experience, and your comfort with risk. In this increasingly complex marketplace there are many advantages to working with our team of investment professionals.
We offer traditional brokerage accounts with standard commissions; through Karen you can also access the BMO Nesbitt Burns Meridian™ account which allows clients to receive all of the benefits of working with our team; the flexibility of Internet access with the option of online trading; all for one-inclusive fee based on assets under administration. If you would like to remove the day to day burden of making investment decisions the BMO Nesbitt Burns Advance®, Quadrant® and BluePrint™ programs, offer you access to some of the top money managers in the US, Canada, and around the world.
Retirement & Financial Planning
Working with the BMO Nesbitt Burns sophisticated planning software, Karen is able to provide our clients with a customized, easy to understand road map to achieving their retirement & other financial goals. While no one can predict the future, this program can help to make it clearer, allowing you to evaluate the impact of inflation and taxes on your income, or how much money you will need to save to reach your retirement goals. Most importantly you will have information necessary today to allow you to chart your course to potential financial rewards.
Estate & Insurance Planning*
Estate Planning is a basic component of any thorough financial plan. We work with our in house Estate & Insurance Advisors to combine estate, insurance, and tax-planning with our high quality investment advice. Together, this brings strategic capability to the estate & insurance planning process.
Beyond the main estate planning services, we can assist in a variety of related areas, including estate preservation, charitable giving, small-business succession planning and maximization of retirement income.
Award winning Research**
Our North American top-ranked equity and economic research is independently recognized for its quality and independence. We combine a deep understanding of the individual companies and markets we cover with the ability to provide information and insight.
At the McIvor group, we have very well established relationships with professionals within the entire BMO Financial Group. We can provide our clients with an expanded network of individuals to help with all aspects of their banking needs. Please contact us as the liaison point to put you in touch with one of our partners involved in banking services. We are pleased to make assisted referrals for many services including personal and business banking, private banking, credit cards, lending, mortgages and more.
BMO Financial Group Affiliate Firms:
- BMO Bank of Montreal
- BMO InvestorLine
- BMO Harris Private Banking
- Mosaic MasterCard
- BMO Mutual Funds
Tax laws are always changing, and it can be difficult to keep abreast of how these changes will affect your investment portfolio. When you work with a Wealth Advisor like Karen McIvor, your overall portfolio is considered and your assets are allocated to help minimize taxation. This can lead to increasing your real return without increasing your risk. Karen provides a comprehensive financial planning process for our clients to find the tax efficient solutions that will work in each individual situation.
Some of the tax-related topics that commonly affect our clients are:
Though we are not tax accountants, we have relationships with several established tax professionals to whom we can refer our clients for their tax planning needs.
- Personal Holding Companies
- The New Dividend Tax Regime
- Changes in the 2007 Federal Budget
- How Investment Income Is Taxed
- Understanding Capital Gains and Losses
- Tax Deferral for Foreign Spin-Offs
- Probate Fees and Taxes
- Tax and Estate Consequences of Investing in U.S. Securities
- Donating Appreciated Securities
Charitable giving is becoming increasingly important to affluent Canadian investors. At the McIvor Group, we offer philanthropic financial planning to our clients. We can help to build a unique solution that is simple, and tax-efficient. Please contact us to discuss the ways that you and your family can build a lasting legacy for tomorrow – while supporting the charitable causes that you care about.