From bespoke portfolio construction and management to deeply integrated estate, wealth, and family and business succession planning, Hill & Associates is here to help.

Drawing upon the full depth and breadth of our trusted, collaborative team of BMO Private Wealth specialists, we can provide unbiased, integrated and multi-disciplinary wealth management solutions to help you and your family to achieve your financial goals and increase your net worth over time.

Customized, integrated wealth planning

Our in-depth discovery process considers both your current and future wealth goals and obligations to ensure we design a customized solution that considers multiple priorities. You remain at the centre throughout the process.

We bring together and manage an extended team of in-house BMO Private Wealth experts based on your unique needs and work very collaboratively to build a total wealth management plan based on your personal situation. This can include:

  • Investment management
  • Tax efficiency planning
  • Accountancy services
  • Insurance solutions
  • Legal consultation services
  • Trust and will services
  • Customized credit solutions
  • Private and Commercial Banking
  • Cross-border advisory services
  • Liaison with your existing advisors
  • Business/practice succession planning
  • Estate planning
  • Retirement planning
  • Planned giving strategies
  • Customized credit and banking services and solutions
  • Cash management planning to support your pre- and post-retirement lifestyles

We will ensure your wealth management needs are fully considered and integrated seamlessly when developing your family wealth solution, no matter how complex.

Investment management and philosophy

Helping you grow and preserve your wealth is our top priority. We manage your investments in a manner that reflects your goals, needs and appetite for risk, with a prudent and disciplined approach that emphasizes risk management. Diversification across asset classes is monitored closely to manage risk.

We also consider your need for cash flow, stable returns and tax efficiency. Our investment recommendations are based on BMO Capital Markets and select third-party research to make certain that your portfolio is prudently invested and focused on generating long-term returns consistent with your profile.

Income and cash flow planning

For private clients without a pension, and to supplement the retirement experience for all our clients, we build income-generating portfolios to provide an ongoing stream of funds to support your desired lifestyle. We also perform cash flow planning, analyzing when you expect to need money for major purchases and where to allocate it. This provides planned and consistent liquidity and avoids the high cost of suddenly pulling money out of your portfolio at an inopportune moment.

Account options

We work with our private clients through one of two account options. Let’s discuss the one that is best for you:

The BMO Nesbitt Burns Architect Program brings you access to institutional-calibre investment managers, enhanced diversification and active portfolio oversight. Your portfolio is rebalanced quarterly to maintain your objectives and year-end tax harvesting minimizes tax reporting. This account allows us to combine various managers with different specializations and to use mutual funds for some categories that are not large enough in the portfolio to warrant using individual stocks or bonds. The mutual funds are held in the same account as your managed stocks or bonds, according to your unique parameters. Finally, this account even allows us to use low-cost exchange traded funds (ETFs) to build broad diversification at a very low cost.

The BMO Nesbitt Burns Meridian Program provides your portfolio with a flexible combination of individual securities, ETFs and mutual funds. In collaboration with you, we will structure portfolios with the characteristics necessary to achieve strong performance over time. Investment management fees are fully disclosed, and you have access to Gateway, our online account access portal, which allows you to view your portfolio online at any time. The goal is to put you and our team on the same side of the table, so that we are aligned in achieving your stated objectives.