Publications

Managing Your Wealth
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.
2019 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.
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 2019 Federal Budget. The 2019 top marginal tax rates have also been updated to reflect provincial budget changes.
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.
Research
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.
Economic and Market Updates
The Goods
A Monthly Commodity Watch-Tracks BMO Capital Market's Commodity Price Index and provides commentary and forecasts.
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.
Portfolio Management
Strategic commentary and an overview of financial markets.
Tax Planning Strategies
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.
Federal Budget Review 2019
A summary of the annual Canadian Federal Budget and its implications on personal income tax measures.
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.
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 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.
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.
Estate & Succession Planning
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.
Education and Knowledge
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.
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.
Registered Retirement Income Funds
Selecting the right retirement income option for your Registered Retirement Savings Plan (RRSP) is one of the most important financial and estate planning decisions you’ll make. Click to read on about how you can benefit from an RRSP.
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.
Other
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