BMO Nesbitt Burns - Robert Chalanchuk

Wealth Planning is about much more than money. True wealth is your ability to live the kind of life that you want, to reach the goals that you have set for yourself, your family, and your business, and to create a legacy for the future that reflects your values.

Our Belief System

We believe that a disciplined, process-driven approach, focusing on all aspects of our client's wealth is the prudent way to manage their financial matters. We also believe in taking a consultative approach with clients. This involves identifying all essential financial details, discussing issues, articulating concepts, presenting various strategies and together coming up with solutions.

What We Do

The Chalanchuk Wealth Management Group works together with you and your other key professional advisors to clarify and integrate your financial affairs. Through a comprehensive discussion with you, and then a collaborative analysis with experts, we explore your unique circumstances to identify any gaps or opportunities in the following areas:

Protecting Lifestyle�We ensure that the lifestyle you have worked hard to establish is not eroded through poor or lack of tax planning.

Investment and Retirement Planning�We work with you to ensure that your financial plan and tolerance for risk is in perfect alignment with short and long-term life-planning goals.

Family Issues & Estate-Planning�We strive to fully understand your vision for the future and provide guidance for the legacy you desire to create. We will ensure that the chosen strategies are in line with the needs of your loved ones and special causes.

¹The opinions, estimates and projections contained herein are those of the author as of the date hereof and are subject to change without notice and may not reflect those of BMO Nesbitt Burns Inc. (�BMO NBI�). Every effort has been made to ensure that the contents have been compiled or derived from sources believed to be reliable and contain information and opinions that are accurate and complete. Information may be available to BMO Nesbitt Burns or its affiliates that is not reflected herein. However, neither the author nor BMO NBI makes any representation or warranty, express or implied, in respect thereof, takes any responsibility for any errors or omissions which may be contained herein or accepts any liability whatsoever for any loss arising from any use of or reliance on this report or its contents. This report is not to be construed as an offer to sell or a solicitation for or an offer to buy any securities. BMO NBI, its affiliates and/or their respective officers, directors or employees may from time to time acquire, hold or sell securities mentioned herein as principal or agent. BMO Nesbitt Burns Inc. and BMO Nesbitt Burns Ltee/Ltd. ("BMO Nesbitt Burns") will buy from or sell to customers securities of issuers mentioned herein on a principal basis. BMO Nesbitt Burns, its affiliates, officers, directors or employees may have a long or short position in the securities discussed herein, related securities or in options, futures or other derivative instruments based thereon. BMO Nesbitt Burns or its affiliates may act as financial advisor and/or underwriter for the issuers mentioned herein and may receive remuneration for same. A significant lending relationship may exist between Bank of Montreal, or its affiliates, and certain of the issuers mentioned herein. BMO NBI is a wholly owned subsidiary of BMO Nesbitt Burns Corporation Limited which is a majority-owned subsidiary of Bank of Montreal. Any U.S. person wishing to effect transactions in any security discussed herein should do so through BMO Nesbitt Burns Corp. and/or BMO Nesbitt Burns Securities Ltd.

²The comments included in the publication are not intended to be a definitive analysis of tax law: The comments contained herein are general in nature and professional advice regarding an individual�s particular tax position should be attained in respect of any person�s specific circumstances.

³Third party publications are not prepared or approved by BMO Nesbitt Burns Inc., and BMO Nesbitt Burns Ltee/Ltd. (�BMO Nesbitt Burns�) and therefore may not meet Canadian research disclosure requirements applicable to BMO Nesbitt Burns. The opinions, estimates and projections contained in the publication are those of the author as of the date indicated and are subject to change without notice. BMO Nesbitt Burns makes no representation or warranty, express or implied, in respect thereof, takes no responsibility for any errors or omissions which may be contained therein and accepts no liability whatsoever for any loss arising from any use of or reliance on the report or its contents. The provision of this publication is not to be construed as an offer to sell or a solicitation for or an offer to buy any securities. BMO Nesbitt Burns or its affiliates may buy from or sell to customers the securities of issuers mentioned in this publication on a principal basis. BMO Nesbitt Burns, its affiliates and/or their respective officers, directors or employees may from time to time acquire, hold or sell securities of issuers mentioned in the publication, related securities, or options, futures or other derivative instruments based thereon. BMO Nesbitt Burns may act as financial advisor and/or underwriter for certain of the issuers mentioned therein and may receive remuneration for same. BMO Nesbitt Burns is a wholly owned subsidiary of BMO Nesbitt Burns Corporation Limited, which is an indirect majority-owned subsidiary of Bank of Montreal. Bank of Montreal or its affiliates may have lending arrangements with, or provide other remunerated services to, the issuers mentioned herein. The reader should assume that BMO Nesbitt Burns or its affiliates may have a conflict of interest and should not rely solely on this publication in evaluating whether or not to buy or sell securities of issuers discussed herein.