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Tonia Kennedy, Director and Senior Trust Advisor

BMO Delaware Trust Company

As a Senior Trust Advisor, Tonia works closely with her clients and their advisors in managing and overseeing complex trusts administered by BMO under Delaware law. Tonia’s areas of expertise include relationship management, fiduciary administration, client development and risk management. Tonia specializes in providing customized trust administration for individuals, business owners and multi-generational families. She also has extensive experience working with third-party investment professionals and RIA firms for Directed Trust arrangements.


Tonia’s financial services industry experience spans 25 years with 23 involving trust administration under New Jersey, New York and Delaware law. This experience includes 18 years specific to Delaware, including managing a Delaware limited purpose trust company.


Tonia earned her bachelor’s degree from Seton Hall University in Finance (BS) and her Juris Doctor (JD) degree from Howard University School of Law. She is a Certified Trust and Financial Advisor (CTFA). In addition, she is admitted to the New Jersey bar and is a member of the Delaware Estate Planning Council and Wilmington Tax Group.


Tonia is a mentor in the Trust Management Minor’s program at the University of Delaware. She is also assisting Delaware State University in converting its Financial Planning Minor coursework to a minor’s degree program in Wealth Management.