Distinctive banking and borrowing needs call for an equally distinctive service offering: a dedicated banker adept at larger, more complex transactions, and able to oversee the unified management of personal, business and holding company accounts. We appreciate that it’s all part of a bigger picture and will coordinate with wealth planning experts, and our U.S. partners, to structure creative, customized solutions.

Exclusive Benefits

  • Full suite of cash management, debt and liquidity services
  • Access to wealth planning professionals in insurance, estate, tax and more
  • Cross-border accounts and commercial services for seamless banking
  • Specialized lending capabilities (e.g., leveraged life insurance and large loan products in U.S. or Canadian dollars or Euros)
  • Unlimited accounts, cash withdrawals and international debit transactions
  • Equity monetization to provide additional capital; single asset financing strategies
  • BMO World Elite Mastercard®; preferred exchange rates; BMO Online Banking for Business
  • Unified reporting and management of personal, business and holding company accounts


Investment Management

  • Access to  best-in-class investment management platforms
  • Both fee-based and managed-assets portfolios
  • Open architecture platform
  • Best-in-class research
  • Active investment management
  • Strategic and tactical asset allocation 



  • Dedicated philanthropic and legacy planning
  • Creation and administration of private foundations
  • Effective implementation of tax-efficient strategies
  • BMO Charitable Giving Program


Family Wealth Services  

  • Family education and governance
  • Legacy planning
  • Cash flow management and financial reporting


Wealth Planning

  • Legacy planning
  • Cash flow management and financial reporting
  • Wealth transfer 
  • Tax minimization and cross-border strategies
  • Business valuation and succession
  • ​Financial and estate planning
  • Insurance and asset review
  • Lifestyle management
  • ​Pre– and post–IPO planning; exit tactics


Trust & Estate

  • Living and Family Trusts; Wills
  • Estate planning, management and litigation (trusts, holdcos, multiple beneficiaries)
  • Attorney for Property, Executor, Trustee or Court-Appointed Personal Representative
  • Trust administration and structuring
  • Agent services for ongoing tasks (e.g., tax compliance)
  • Escrow arrangements
  • enCircle concierge platform (comprehensive management)


Your needs are multi-dimensional. So are our capabilities.