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.

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.

Portfolio Strategy

Strategic commentary and an overview of financial markets.

Global Equity Weekly

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

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 equity and fixed income as well as an overview of fixed income markets.

Tax Tips For Investors

Knowing how tax rules affect your investments is essential to maximizing your after-tax return. In addition, keeping up to date on changes to the tax rules ensures that you take advantage of all the tax savings available to Canadian-resident individuals. This article provides an overview of select strategies to assist you in reducing your tax bill.

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.

2022 Personal Tax Calendar

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.

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.

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.

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.

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

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