• To provide conservative, customized and proactive financial advice that is tailored to the needs of my clients.


• Give my clients the perspective needed to make good, consistent long-term decisions.


• Take the least amount of risk possible to achieve my client’s goals.


• Capital preservation is a key component to long-term portfolio success.


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


• A key determinant to successful investing is asset allocation and re-balancing it from time to time.


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


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


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


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


5. I give you perspective on significant decisions.


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


7. I 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.


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


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


10. I consolidate and coordinate your financial assets to ensure that your long-term goals are achieved.

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 an indirect wholly-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.