We provide wealth management services to high net worth individuals, business owners, retirees, medical professionals, and C-Suite Executives:











Business Owners

Serving the complex needs of business owners

As an entrepreneur myself, I understand the challenge and complexities of running a business and the importance of maximizing synergies between your personal and corporate finances.

Most of my clients own family businesses or incorporated practices. I have great respect for entrepreneurs who have spent time, faced risks and worked hard to build a business. I bring you customized advice and a comprehensive suite of strategies to help you preserve and grow your wealth and reap the rewards of your efforts.

BMO Private Wealth has a very strong offering for entrepreneurial and professional clients. With breadth and depth of financial options, specialists and resources, you'll be well positioned to invest your corporate reserve funds or retained earnings and make them a powerful component of your overall wealth plan.

I advise:

  1. Young entrepreneurs who are growing their business and reinvesting their earnings;
  2. Entrepreneurs at mid-career who wish to grow and develop their business while planning for the future;
  3. Mature entrepreneurs who wish to divest and invest the proceeds from their liquidation event to boost their family and personal lifestyle and generate a steady stream of income for retirement.


Astute strategies for all stages of your business lifecycle

Before investing your assets or making any recommendations, I will get to know you and your business or practice very well; learning what drives you and your company or practice, your vision of the ideal retirement, your personal and professional goals, and your lifestyle priorities.

I can bring you access to banking, lending and point-of-sale payment solutions such as debit, credit, and automatic bill payments, plus a full holistic solution for all your wealth needs – under one roof.

I can help you:

  • Invest the reserve funds in your holding or operating companies or professional corporation, working strategically to achieve your growth targets.
  • Set realistic expectations and put a full-circle wealth plan into place and put you on track to reach your goals at all stages of your business or practice.
  • Select the right investments to generate a regular income stream and keep cash on hand to buy into the markets on the downturn.
  • Draw money from your holding or operating companies or practice tax-effectively using different strategies.
  • Plan for and manage your cash flow requirements.
  • Manage other complex business challenges.


Tax considerations

When you are incorporated, you can pay yourself through your corporation, which is taxed at lower rates than personal income tax rates. As well, your corporation enables you to own stocks directly rather than owning them through a mutual fund or pooled fund. This brings you much greater tax efficiency. As an incorporated individual, you can opt to receive your income through dividends, which are taxed at a much lower rate than income or capital gains.


I will work in collaboration with your accountant to:

  • Understand the net impact of your investments and wealth plan from a tax standpoint,
  • Help you structure your company and its shares to maximize your tax planning, and
  • Maximize legal tax optimization strategies.


I will streamline the liaison between you, our team, your other advisors and BMO Private Wealth specialists. To save you time, I'll be involved in calls from a consultation standpoint. At your business year-end, I will send out tax packages to you and your accountant(s) documenting all income, dividends, and capital gains. And I will consult with legal and tax advisors to look at your business or practice from all angles and manage your money in the best way possible.


Succession planning discussions can involve:

  • Determining how much you would need to be able to step away from the business and retire comfortably.
  • Estate equalization solutions to help you bequeath an equitable amount to each of your beneficiaries when some of them are involved in your business and others are not.
  • If you are not transferring the company or practice to a family member, working with BMO Private Wealth business succession planners, estate planners and business valuation experts to help you find the right buyer to get the best value for all your sweat equity including:
    • Hire business valuators to assess the value your business (at least a ballpark number to use in financial planning).
    • Prepare your business or practice for sale
    • Plan for a smooth succession to help you get the best possible return for the time and sweat equity you have invested:
      • Interview and consult with prospective buyers, and
      • Guide you through negotiations and provide insights on what to look for.


  • Once the business has sold, I'll help you to:
    • Create a reliable income stream for retirement from the proceeds of your liquidation event.
    • Transition smoothly from driving forward as a business leader or professional to moving actively into the next phase of life.
    • Transfer your wealth to your heirs tax-efficiently.


Personal and commercial banking – under one roof

BMO Private Wealth can serve multiple financial needs under one roof to save you time and money and guide you through all the red tape. We offer professional credit solutions to help you enjoy the convenience of managing your family and business or practice banking at the same firm. For example, we can finance your business and the building in which it operates as well as provide your personal mortgage and line of credit.

When you wish to borrow money or source venture capital, I will liaise with my network of Private Bankers, lending specialists and corporate finance professionals. I have deep relationships with BMO Private Wealth partners and will connect you to the right financing opportunities according to your level of need:

  • Business Banking (below $1M)
  • Commercial Banking ($1M to $10M)
  • Corporate Finance ($10M and over).


Individual Pension Plans (IPPs)

If you are a professional who owns and operates your own practice, an IPP is a beneficial strategy to provide financial security in retirement.

An IPP allows you to:

  • Contribute more tax-deductible assets annually than an RRSP
  • Adjust your annual contribution amounts according to available capital
  • Enjoy the highest degree of creditor protection in Canada
  • Invest in asset classes that are not allowed in an RRSP
  • Deduct your investment, pension management and other IPP fees
  • Enjoy the assurance of having fiduciary oversight from the pension committee and compliance officers
  • Transfer wealth to your loved ones without triggering a tax event

An IPP’s funding commitments can be onerous and the nuances can be challenging. Let’s discuss if an IPP is right for you.


Health Professionals

Full-circle wealth services

Wealth is like health – the best outcomes depend on a holistic approach.

We can help you manage your assets, plan for retirement and live your vision. Catering to busy MDs, we make banking, borrowing, investing and wealth planning quick and easy, all under one convenient roof.

First, we will address your immediate needs, such as financing your new practice or buying a home. As we get to know you better, we will build a comprehensive wealth plan that grows with your needs.

Working closely with BMO specialists, we can bring you tailored services in private banking, commercial banking, lending, tax planning, trust and estate planning, insurance, business succession strategies, legacy planning, and more. Ask us to introduce you to the right individuals for your needs.


Goals-based wealth planning

Our disciplined wealth planning is based on your own meaningful goals rather than market benchmarks. Your Wealth Plan is the blueprint upon which your asset allocation and investment portfolio will be built and measured. Our complete, tailored wealth services will be delivered through a personalized relationship with you and a deep understanding of your unique financial challenges.

We will help you minimize taxes to offset high earnings and manage your portfolio proactively; good returns are especially important for physicians with large expenses. Physicians often have too little portfolio diversification, which creates risk. We will allocate your assets to help protect you from market volatility.


Expertise at reducing debt and boosting cash flow

Attending medical school, starting and growing your practice comes at a significant cost.  We can help you to pay down substantial debt, begin to accumulate capital, adopt strategies to improve your cash flow and develop disciplined spending habits without feeling like you’re on a budget.


Strategies for a great retirement

We are well-qualified to help you plan for all your financial needs. In addition, we work closely with BMO Wealth Planners in complex situations. Together, we can help you to understand and plan to achieve an ideal retirement as you define it. The key is to diversify intelligently so that all your assets are not held within your practice.


Discretionary investment management

Our team offers discretionary investment management, which alleviates decision-making pressures on busy doctors. Delegate your portfolio decisions and free yourself from daily decisions, which can enable us to respond fast when opportunities or risks arise.


A dedicated Private Banker who provides bespoke services to help you:

Your BMO Private Banker provides more nuanced and attentive service than you’ll find at a branch or online. They will:

  • Get to know you and build a long-term relationship.
  • Simplify your banking and take care of your day-to-day needs with white-glove service to save you time and money.
  • Offer you enhanced rates and lending opportunities in certain circumstances.
  • Help you manage debt effectively by offering:
    • Financial advice,
    • A BMO® Medical Student Line of Credit,
    • BMO® CashBack® Mastercard®,
    • BMO® Rewards® Mastercard, and
    • A free chequing account.
  • Help you connect with BMO lending experts who provide:
    • A medical professional’s line of credit and credit cards at preferred interest rates,
    • Small business incorporation and tax planning advisory services,
    • Business mortgages, and
    • Capital financing and cash flow management.


Practice succession advice

Unlike traditional business owners, physicians cannot easily or objectively measure the value of their practice in order to transfer it to another clinician. You are your practice. So, together with experienced BMO business advisory and practice succession experts, we will help you decide how and when to retire and transition your wealth tax-effectively to loved ones and charitable organizations.


Wealth Planning for Executives and Professionals

We help you manage competing business demands while preserving your wealth.


Helping you optimize your wealth benefits

As an executive within an organization or running your own business or practice, you are managing competing priorities. BMO Private Wealth professionals work with you to integrate your business and personal priorities through the creation of a customized wealth plan which helps prepare you for the future. As an executive within an organization or running your own business or practice, you are managing competing priorities. BMO Private Wealth professionals work with you to integrate your business and personal priorities through the creation of a customized wealth plan which helps prepare you for the future.


Planning your long and short-term goals

Collaboration and integration are the keys to our approach. We’ll take the time to get to know you, your business or practice, and your short- and long-term goals. And we’ll be there for regular check-ups to update your plan as needs and goals change including:

  • Retirement
  • Changing careers
  • Selling your practice
  • Protecting your family from income loss
  • Transferring assets to family members or philanthropic initiatives
  • Helping you with your financial and business goals


Executives - The world is moving at a high pace and the only constant is change. You want to be prepared for events that may impact you in the future. Having a wealth plan in place will help ensure that you are prepared for whatever the future holds.

Women-led enterprises - Businesses led by women are the fastest growing segment in North America, and we're here to help you succeed by understanding your unique needs, supporting causes that are important to you and providing you with the tools and resources to help you realize your financial goals.


Planning for retirement is more than a financial decision

It’s based on what you want out of life and how you want to spend your time. One thing that eases this significant transition is having a plan in place well before you expect to retire.

Your personal retirement journey

For many Canadians, retirement is a time to look forward to – a time to enjoy the benefits of your life’s work and spend time doing what you love. For some, it is also a period of uncertainty – one of life’s most significant transition points.

We can help you create a plan that considers your ideal vision of retirement and the lifestyle you want to enjoy in the years leading up to it. We will plan for your goals, expected changes that typically occur throughout retirement, as well as the potential for unforeseen events.

How to start preparing for retirement

A key part of creating your retirement plan is managing your finances. You’ll see how retirement fits in with your other goals including transitioning your business or reducing the number of hours you work. You’ll be able to see when it is feasible for you to retire in the way that you want.

Consider your cross-border needs

Many Canadians spend the winter months in a warmer location, often in the U.S. BMO has financial products to meet your cross-border needs. Your BMO Private Wealth professional can advise how you can meet your financial needs on both sides of the border.