• To manage Wealth effectively, we must design and implement a personalized Financial Plan (including an Investment Policy Statement, Investment Plan and Retirement Analysis) for each of our clients. This is the “Blueprint” or foundation for Financial success. We do not believe that guessing or “winging it” are effective ways to manage our client’s hard earned money.



• Provide Proactive advice.



• Give our clients the Perspective needed to make good, consistent long-term decisions.



• Take the least amount of Risk possible to achieve our client’s goals.



• Capital Preservation is a key component to long-term Portfolio success.



• Stick with what we know best: designing and implementing portfolios with a Conservative Growth mandate, with downside risk management as a key component.



• Focus on solutions for our clients, not on products.



• A key determinant to successful investing is Asset Allocation.



• Have a Plan and follow it.



• Invest in Quality securities.



• Time in the market is more important than market timing.



• Always consider the tax consequences.



• Successful investors think long-term: investing is a marathon, not a sprint.

1. We will develop and implement a customized Financial Plan that is tailored to your needs and goals.



2. We have the abilities and resources to provide long-term solutions (not just products.)



3. Our practice is designed to work with you in your peak earning years and all through your retirement.



4. Our expertise is managing wealth for high net worth individuals, institutions and charitable organizations.



5. We provide proactive advice.



6. We give you perspective on significant decisions.



7. We will coordinate with your accounting, legal and insurance professionals to ensure that your interests are served.



8. We will provide you with detailed Quarterly Consolidated reports, detailing both a big picture overview of your portfolio, as well as specific details on all holdings. Also included are your current asset allocation, time weighted rates of return, a deposit/withdrawal summary and a realized gains/loss analysis.



9. A formalized service plan for consistent follow-up and prescheduled personalized Reviews.



10. Solutions that are cost effective, time and tax efficient.



11. We consolidate and coordinate your Financial Assets to ensure that your long-term goals are achieved.



12. BMO Nesbitt Burns Research has been Ranked #1 in Canada for 27 consecutive years*.



13. We will communicate on a regular basis to keep you up-to-date on a variety of financial and investment planning topics, as well as timely economic and market information.



14. Online access to your accounts and BMO Nesbitt Burns’ research through our Gateway Program.



15. Access to a Prime Access Account: an excellent cash management tool to manage your short term cash (available in several currencies) needs.

¹Brendan Wood International Survey. Institutional Equity Research, Sales and Trading Performance in Canada, 2007 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.