Professional advice

Investment and retirement planning is critical to meeting your financial goals. Our Financial Planners, Investment & Retirement Planning, are available at BMO Bank of Montreal branches to help you make better investment decisions.

• What is Investment and Retirement Planning?
• How a Financial Planner, Investment & Retirement Planning can help you
• Building a Better Financial Plan

What is Investment and Retirement Planning?

• Investment and retirement planning is an ongoing process, built around your personal goals, that examines your current and future financial situation, including income, assets and liabilities. Planning also establishes your comfort level for investing, and your investment time horizons
• An investment and retirement plan will help you achieve your financial goals, bring peace of mind about your financial situation, and show you how to make the best financial decisions to make the most of your wealth – ensuring you have more control now, and in the future

Back to top

How a Financial Planner, Investment & Retirement Planning can help you

Our Financial Planners, Investment & Retirement Planning are qualified, highly-trained and experienced professionals.

To understand your dreams and goals, a Financial Planner, Investment & Retirement Planning, will sit down with you and take the time to learn about you, analyze your current and future financial situation, and make recommendations to improve your financial future. They will:

• Help you identify your short and long-term goals
• Confirm your achievable retirement date and budget
• Assist you in enhancing your potential return through asset allocation
• Help you adjust your current savings, if necessary
• Determine your monthly income stream to meet your income needs
• Review and reassess your plan annually or as you experience a major life event, such as the birth of a child, purchase of a cottage, receipt of an inheritance, or severance package
• Provide a second opinion of your current financial plan
• Provide you with peace of mind from knowing you’re on track to the retirement lifestyle you want

Financial Planners, Investment & Retirement Planning, can assist you with:

• Investment and retirement planning
• Maximizing your returns through term investments and mutual funds
• Accumulating funds for goals such as your child’s education
• Managing retirement or severance packages

• Borrowing money and managing debt
• Planning your will and estate
• Business financing, cash management, and succession planning

Back to top

Building a better financial plan

To begin your journey towards financial independence, your Financial Planner, Investment & Retirement Planning, will:

1. Meet and explore with you to understand your dreams and goals
2. Gather information from you to assess where you are now
3. Analyze your financial situation
4. Recommend solutions based on your financial situation such as:
   • Maximizing RSP contributions
   • Using a spousal RSP to reduce your tax rate at retirement
   • Assessing your mortgage and debt management strategies
   • Modifying your asset allocation for better long-term returns

Back to top