Optimizing your portfolio
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.
Discovery. 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.
Discipline. Then, I will integrate your goals into a disciplined, high-quality, balanced portfolio, applying my prudent, structured, strategic approach that emphasizes risk management, diversification across asset classes and tax-efficient asset allocation.
Having handled both institutional and retail trading and portfolio construction for investment firms large and small, my focus has always been on large-cap, relatively conservative, dividend-paying stocks in North American equities. For international equities, I rely on trusted third-party managers who concentrate their time and energies on these complex and dynamic markets. I build all-season portfolios designed to thrive even through difficult markets and take a consistent approach during all cycles.
Customization. Paying attention to your precise risk tolerance, 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 tinely meetings with you.
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 our portfolios to keep your numbers on track, recalibrating to maintain the asset allocation percentages we have agreed upon. This is key to your long-term success.
Account options. Most of my clients work with me on fee-based platform. You pay one single, transparent, asset-based fee and our interests are aligned because you and our team both benefit when your asset base grows. Other clients prefer to pay a commission for each buy and sell transaction. The choice is yours – let’s discuss what works best for you.
Maximizing your holdco
I understand the various tax implications of earning investment income through a personal holding company and can help you maximize your income-generating assets, maximize various tax planning techniques, and avoid the tax pitfalls that can be associated with a holdco.
If required, I can refer you to professionals at BMO Trust Company to create a family trust to hold the common and preferred shares of the private corporation that owns the underlying investment securities.