BMO Nesbitt Burns - The ORPEN Team

Specialties:
Wealth Advisory: Investment Management, Retirement Accounts and Estate Planning

The ORPEN Team provides Wealth Advisory Services to established individuals by partnering with them to implement a comprehensive wealth strategy. By developing a customized strategy that addresses all aspects of family security, income and asset preservations, estate and retirement planning and philanthropy, our clients are well positioned to realize their vision for their lifelong goals and dreams. We believe that by creating organized and simplified wealth management plans, we alleviate anxiety for our clients and ultimately provide complete peace of mind.

Wealth Management is a family affair and has many aspects that can be planned for in harmony by our team. We assist you in managing and preserving your personal wealth.

Our Business Philosophy

We are committed to understanding you and your financial goals and to helping you achieve them. Our goal is to eliminate your worries about investing to provide you with peace of mind. The foundation of our relationship with you will be built on trust, mutual respect, and open communication. We believe that a disciplined, process driven approach, focusing on all aspects of our clients' wealth, is the prudent way to manage their financial matters. Using a consultative approach, we identify all essential financial details, discuss issues, articulate concepts, present various strategies and then together, come up with solutions. Please see the Commentary link for our process.

The ORPEN Team

Our partnership has been formed with our clients in mind. Please see the above tab 'Our Team' to learn more about each of us. We provide quality investment advice and service of the highest caliber. We are confident that we can maintain performance standards through a consistent and disciplined approach to investment management. Our team's strength is in our ability to build and retain a strong rapport with our clients, which comes from a sound understanding of their individual needs, goals and life vision. We have learned that becoming good advisors takes more than having good advice to offer. It takes the patience and commitment to listen and learn about our clients - and to care about them.

We Specialize in Customized Wealth Advisory Services

What Makes Us Different?

The process we take all of our clients through is what makes us different. We take the time to truly ensure that all aspects of our clients' personal and financial picture are taken into account.

In a business built on trust, we place a premium on exceptional client service. That's why we consider it our responsibility to build and strengthen relationships through an extensive awareness of what you value in life.

We have a proven record of working with our client and their families, and providing them with peace of mind as we develop strategies together that address all of their financial matters to help them achieve their life goals and vision.

What Type of Client is Best Served by Us?

Our clients are business owners, farmers and retirees who are committed to achieving their life long goals. They understand the importance of consulting with professionals when it comes to their financial affairs and are willing to engage in a partnership that will ensure all aspects of their wealth are considered. Our clients appreciate organization, professional customized help and consolidated solutions.

With a full service investment firm, The ORPEN Team has many tools and resources to help you with your financial decisions. We utilize our top ranked* Research Department in assisting our clients with their investment decisions.

RETIREMENT PLANNING
Working with the BMO Nesbitt Burns sophisticated planning software NaviPlan, we are able to provide our clients with a customized, easy to understand road map to achieving their retirement income goals. While no one can predict the future, this program can help to make it clearer, allowing you to evaluate the impact of inflation and taxes on your retirement income, or how much money you will need to save to reach your retirement goals. Most importantly you will have information necessary today to allow you to chart your course to financial success.

ESTATE PLANNING
Estate Planning is a basic component of any thorough financial plan. We work with our in-house estate planning specialist, Chris Judd, to combine advanced expertise on estates, insurance and tax planning with our high quality investment advice. Together, this brings unmatched strategic capability to the estate planning process. We strive to assist you in reducing probate fees, protecting your estate from tax erosion and also create an estate to provide to your heirs.

ACCOUNTS ONLINE-GATEWAY�
All of our clients can access their accounts through the internet. Through Gateway , our clients can view their account holdings, generate stock quotes, and review the latest in market news. As well you will have full access to BMO Nesbitt Burns top-ranked research on-line. If you are a client that would like access to your accounts online, simply e-mail us at Tammy. Slugoski@nbpcd.com to send you the application form. You will then be able to log on right from this screen.

ABOUT BMO NESBITT BURNS
BMO Nesbitt Burns, the full service investment arm of Bank of Montreal, is one of Canada�s leading investment firms. Employing over 3500 dedicated professionals, we serve the investment needs of individuals, corporations, and governments from an extensive network of Canadian and international offices. Excellence is the lifeblood of successful investing. Since 1981, we have been home to the #1 independently ranked investment research team in Canada.*

Helping our clients with knowledgeable financial advice for over 80 years, we have established a reputation for excellence and commitment to building and preserving wealth for generations of clients.

¹Brendan Wood International Survey. Institutional Equity Research, Sales and Trading Performance in Canada, 2008 Report.

²All insurance products and advice are offered through BMO Nesbitt Burns Financial Services Inc. by licensed life insurance agents, and, in Quebec, by financial security advisors.

All market data is delayed by at least 20 minutes unless otherwise noted. Quotes, historical data, charts and statistics are provided by SunGard PowerData. BMO Nesbitt Burns is not responsible for the information provided.

** Mutual fund prices are as per previous day's close. Unlike stock prices they are not updated throughout the day.