What is Multigenerational Wealth Planning ?
Financial Planning • Goal setting
• Cash-flow analysis
• Net worth assessment
• Retirement planning
• Income and asset protection | 
Tax efficiency • Review current and future tax situations
• Uncover opportunities to save taxes or defer taxation
• Develop strategies to cover future tax liabilities |
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Business financial services • Access to Commercial Banking Specialists
• Business investment management
• Succession planning and business transfer assistance | 
Retirement planning • Identify goals
• Evaluate expected income
• Determine additional savings needed
• At retirement, develop a tax-efficient income strategy |
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Protection of Your Lifestyle • Income continuance planning (life and disability insurance)
• Develop asset protection strategies (mortgage life insurance, business continuation insurance, critical illness and long-term care insurance and insurance for estate planning).
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Legacy Planning • Assess current and potential estate value
• Determine obligations (debts, dependents, taxes and probate costs)
• Identify estate planning issues and opportunities
• Devise strategies to fund obligations and wishes |
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Philanthropic giving Credit and Bank Strategies • Establish a donor advised fund or private foundation | |
Complete Wealth Planning
Many clients do not initially recognize the power of a financial plan until they have one in their hands. A financial plan provides you with an overarching game plan that drives your decisions and sets down the path you need to take to arrive at your desired financial outcomes.
We believe that knowing you is the key to developing a long-term partnership and the right plan. Our skill is in asking the right questions, listening to you, understanding where you want to be financially, and providing expertise to help you get there.
There is no one solution; each individual’s situation is unique. As priorities and circumstances in your life change, your goals may change, and we’ll be here to guide you through those transitions.
Big-picture, Multigenerational Wealth Planning
We’re not focused on what individual stocks to buy. We’re focused on guiding families to make informed decisions and become financially confident.
Both Scott O’Neal and Judy Dignard have very strong track records in financial planning and this is a key differentiator for our team. In addition to overseeing your complete wealth planning, we will also take care of your children – helping them to start investing – and your parents – helping them to maximize their retirement income and plan their legacy.
We are very organized when acting as your "quarterback" to integrate the advice and services of carefully selected specialists with recognized strengths across BMO Private Wealth. Together, we work collaboratively with your current professionals to provide: