Publications

BMO Wealth Institute Report

Make better investment choices by understanding and reducing bias. BMO Wealth Management provides insights and strategies around wealth planning and financial decisions to better prepare you for a confident financial future.

Individual Pensions Plans (IPP's)

An IPP is a registered defined benefit pension plan typically established for the benefit of a single participant. Read more about the features and benefits of this publication.

Your guide to Registered Plans.

An overview of registered plans in Canada including TFSAs, RRSPs, RESPs, LIRAs, IPPs and RDSPs

Wealth Management is a Family Affair

Our discussions with clients and prospective clients is broadly based.

The Importance of Financial Planning

Our wealth management approach provides our clients with a highly personalized process.

Wealth Themes

Wealth Themes is a monthly compilation of timely articles and tools from our experts and other BMO Financial Group partners.

Wealth Planning Facts & Figures

This is a helpful resource summarizing important tax, retirement and estate planning information.

Having a TFSA works

Having a TFSA works. Get one working for you. Whether you’re saving for a new car, a home purchase, your child’s education or retirement, a TFSA can help you reach your financial goals sooner.

Are All Fees Created Equally?

With upfront knowledge of the cost of investing, you’re able to focus on developing a long-term plan that respects your tolerance for risk and will help you reach your wealth management objectives.

Rates Scenario

Fixed Income and Foreign Exchange Strategy. Outlines the firm’s short and medium-term interest rate and foreign exchange rate forecasts.

Equity Research Strengths & Distinctions

Our goal is to be a leader in investment research, providing investors with insight and actionable money-making investment ideas.

Global Equity Weekly

A look at what happened in the equity markets over the past week and an update on the earnings reports.

Portfolio Strategy

Strategic commentary and an overview of financial markets.

The Goods

A Monthly Commodity Watch-Tracks BMO Capital Market's Commodity Price Index and provides commentary and forecasts.

Equity and Fixed Income Strategy

Strategic commentary on fixed income and an overview of fixed income markets.

2021 Market Outlook - BMO Private Wealth

2021 Market Outlook – The Continuation of the Roaring Twenties Recovery, Rotation and Reflation

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.

Completing Your 2020 Income Tax Return – Checklist

As the tax filing deadline approaches, here are some reminders to help ensure you’re prepared to file your personal income tax return, and that you maximize your tax savings.

The CRA’s Foreign Reporting Requirements

Since Canada represents only a small portion of the world’s capitalization, it may make sense to include some foreign investments in your portfolio. However, it is important to understand Canadian and other foreign tax implications of owning investments outside of Canada.

U.S. Citizens Living In Canada

Are you a U.S. Citizen resident in Canada? Have you considered the income tax considerations?

Donating Appreciated Securities

Making a Donation to a registered charity can provide some very attractive income tax benefits.

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.

New Tax Rules May Affect Your Estate Plan

New tax legislation which originated from the 2014 Federal Budget will take effect on January 1, 2016. These changes will have significant implications for existing and future testamentary, spousal, alter-ego and joint-partner trusts, as well as affecting testamentary charitable gifts. This article provides a brief summary of the upcoming changes.

Joint Ownership of Assets

Appointing a Non-Resident Executor

Do you realize the consequences of appointing a non-resident executor in your Will?

Critical Illness and Long Term Care

Insurance is all about managing risk. A critical illness such as cancer, heart attack or stroke could devastate your financial plan. Read on.

Executor's Task List

Executors are responsible for a variety of tasks ranging from funeral arrangements to filing income tax returns with the Canada Revenue Agency (CRA), to the final distribution of estate assets.

Estate planning for complex family dynamics

Today, the modern family comes in many different shapes and sizes; this diversity is having an impact on family relationships and the way families interact when addressing estate planning.

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.

Periodic Table of Asset Class Returns

As the Periodic Table of Returns demonstrates, your portfolio should be well diversified amongst global asset classes to enhance return and reduce risk. Click to read more.

Registered Retirement Income Funds

A RRIF is very much like an RRSP in reverse. An RRSP is an account designed to help you save for retirement – a RRIF is an account designed to provide annual income in the form of withdrawals from a registered plan during your retirement. Click to read on about how you can benefit from an RRIF.

Impact of Sequence of Returns on Your Retirement Portfolio

This examines the detrimental effects of negative returns at the beginning of retirement, as retirees withdraw from their capital; in turn, causing erosion of retirement savings.

Investing Handbook

Understanding the Three Major Asset Classes:Cash, Bonds and Stocks

Investment Advice

This article offers a look at how the BMO Capital Markets team is comprised and the notable credentials they’ve achieved.

The Berry - Smyrnios Group Profile

An overview of our investment team and our process.

How to read your quarterly performance report

***For Clients***

Trusted Advice for Life

This article touches on the various topics we explore as we engage our clients in our process.

Tax-Free Savings Accounts

Canadians have an opportunity to save and earn income on a tax-free basis. This is a powerful complement to your savings strategies!

Probate Planning

What is probate? When is it required? How much will it cost? These questions are answered in this easy to understand article.

Pension Income Splitting

Since 2007 pension income splitting rules provide Canadians with an opportunity to lower income taxes.

Tax Consequences of Investing in U.S. Securities

Be aware of the consequences of owning significant positions in U.S. stocks.

Eligible Dividends

Given the changes in the taxation of dividend income over the last few years, it’s a good time to revisit the taxation of all investment income, including interest, dividends and capital gains.

Reduce your taxes with a Prescribed Rate Loan

With rates at historically low levels this strategy makes a great deal of sense.

LIFs, LIRAs & LRIFs

Locked-In Investment Vehicles

RESPs and the Canada Education Savings Grant

While a post-secondary education is an invaluable personal asset, it is expensive to acquire. The good news is that, over the years, Canada Revenue Agency (CRA) has significantly enhanced the Registered Education Savings Plan (RESP) rules.

The Why and Way of Wills

Why is it important to make a Will? It is estimated that one third of Canadians do not have a Will. Many other Canadians have out-of-date or inadequate Wills because their assets or family situation has changed since the Will was drawn up. Without a Will, you are said to die intestate and provincial law dictates who will receive the assets of your estate.

The BMO Nesbitt Burns Meridian Program

The evolution of the client-advisor relationship.

Keeping the Cottage in the Family

Registered Disability Savings Plan

Understanding Personal Holding Companies

Understanding the Basic RRSP Rules

Unprecedented

March 19, 2020: 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.

Collecting the CPP