Optimizing your portfolio
Whether you are a conservative or growth-oriented investor, and whether you are at the pre-retirement or post-retirement stage, I will design a goals-based investment plan that best suits your needs. At BMO Private Wealth, I have the ability to build a portfolio that is customized to suit your needs no matter how complex and sophisticated they may be.
Discipline. First, I will obtain a clear understanding of your long-term objectives, appetite for risk, need for cash flow and stable returns, and the current tax efficiency of your investment strategy. Then, I will integrate your goals into a disciplined, balanced, resilient portfolio, applying my prudent and strategic approach that emphasizes risk management, diversification across asset classes and tax-efficient asset allocation.
I build all-season portfolios designed to thrive even through difficult markets and take a consistent approach during all cycles. Striving for a good, risk-adjusted return, I look for strong balance sheets and smart management teams within companies that can adjust nimbly to changing needs, trends and unforeseen influences.
Customization. Paying attention to your precise risk tolerance and maintaining low and transparent fees, I will design and monitor a unique portfolio based on your individual parameters. My goal is to maximize your long-term growth potential while creating a tax-wise, consistent income stream for retirement. I will monitor your portfolio regularly and carefully to manage risk and report your progress in meetings with you or more often if you prefer.
Due diligence. My investment recommendations are based on industry-leading research coverage from BMO Capital Markets and select third-party research to make certain that your portfolio is prudently invested and focused on generating long-term returns consistent with your profile.
I will continually rebalance your portfolio to keep your numbers on track. That is, I will recalibrate to maintain the asset allocation percentages we have agreed upon. This is key to your long-term success.
Account options. I can work with you through one of two platforms:
The BMO Private Wealth Architect Program brings you access to institutional investment managers, enhanced diversification and active portfolio oversight. Your portfolio is rebalanced quarterly to maintain your objectives and year-end tax harvesting minimizes tax reporting. This account allows me to combine various managers with different specializations and to use mutual funds for some categories that are not large enough in the portfolio to warrant using individual stocks or bonds. The mutual funds are held in the same account as your managed stocks or bonds, according to your unique parameters. Finally, this account even allows me to use low-cost exchange traded funds (ETFs) to build broad diversification at a very low cost.
The BMO Private Wealth Meridian Program provides your portfolio with a flexible combination of individual securities, ETFs and mutual funds. In collaboration with you, I will structure your portfolio with the characteristics necessary to achieve strong performance over time. Investment management fees are fully disclosed, and you have access to Gateway, our online account access portal, which allows you to view your portfolio online at any time. The goal is to put you and me on the same side of the table, so that we are aligned in achieving your stated objectives.