Our comprehensive wealth planning process combines a personalized analysis of your financial situation with a thorough assessment of the market.

• We use a rigorous four-step process that includes discovery, collaborative planning, customized implementation and continuous review to help you keep your finances on track.
• Your plan will include cash flow management, retirement planning, risk analysis, estate planning, philanthropic giving, and asset allocation analysis with PwC capital.
• You will also get access to BMO Wealth Connection, a wealth planning tool linking all your accounts that you can access from anywhere.

Our banking and borrowing options can help you seize opportunities and reduce the time and attention needed to manage your day-to-day finances.

• Our services include deposit accounts, online and mobile banking, credit cards, investment lending, construction loans and mortgages for your home or vacation property.
• We can help create a customized borrowing plan to help you access funds when you need them, while simplifying your everyday finances.
• We have in-depth knowledge of cash flow from partnership income.

Whether you prefer professional asset management or a full-service brokerage relationship, we offer a customized process to craft a portfolio that reflects your goals, risk level and timeline.

• We provide an analysis of overall asset allocation, with and without PwC capital, to guide you in meeting your investment objectives.
• We bring an acute understanding of independence requirements through our dedicated participation and training in the Broker Simplification Program.
• If you would like to include responsible investing in your wealth plan, we offer a range of environmental, social and governance (ESG) strategies to help meet your investment goals in a sustainable way.

Make the most of your future with retirement planning and income strategies that can help you achieve your personal goals for your retirement years.

• We understand that healthcare is one of the largest retirement expenses. Our planners can provide customized advice to help you prepare to cover any future healthcare costs.

Effective trust and estate planning can help you feel confident that your assets will be protected and transferred as you intend. We manage your estate plan and help ensure a smooth transition of wealth to the next generation.

• By collaborating with your estate planning attorney, we can advise on tax and investment strategies to help you efficiently achieve the goals of your family trust and estate plan.

• We can help reduce estate taxes and help your loved ones get the maximum value of your estate by leveraging beneficiary designation options.
• Our Delaware-based affiliate, BMO Delaware Trust Company, can help address your more unique and sophisticated trust and estate needs.
• We can help determine if changing your domicile is the right move for you and your estate plan.

Our philanthropic advisors guide you on how to use your wealth to make a positive difference for organizations you care about. Our approach helps you leave a meaningful legacy with a lasting impact.

• Our advisors will work with you to design a long-term strategy that may help reduce your estate taxes and further the work of causes you support.
• We can help plan your giving to enhance its value for the recipients, while identifying tax benefits for you and your family.
• We have access to donor-advised funds that can help you meet your philanthropic goals, no matter how big or small.

A strong wealth plan includes strategies for managing risk and planning for the unexpected, to help protect you and your family.

• Risk management is a key part of your wealth plan. We can help you identify insurance strategies to help protect your family’s assets and achieve your financial goals.

We can help you find the right strategy to reduce your overall tax liability, while identifying opportunities to grow your savings on a tax-deferred or tax-free basis.

• Through cash flow planning, we can help adjust your strategy to ensure you can access the cash you need, when you need it. 

Get a holistic view of your financial life with complimentary access to BMO Wealth Connection.

• Our planning tool links all your accounts, at BMO or elsewhere, so you can stay up-to-date on your investments and assets.
• It also gives you real-time recommendations and advice to help you meet your wealth goals.