A Distinctive Approach to Wealth Management.

Transcription

1 A Distinctive Approach to Wealth Management. 量身定制的财富管理方式 Yu Qin Jonathan Lin 林于勤 Investment Advisor 投资顾问 Geoff Marshall Wealth Management Group

2 BMO Nesbitt Burns is one of North America s leading full-service investment firms. It has been committed to helping clients meet their investment objectives and goals since Today, BMO Nesbitt Burns is focused on meeting the needs of individual investors through a customized approach to wealth management. Backed by our industry leading research, we believe in maintaining strong relationships with our clients and providing industry leading solutions. As part of BMO Financial Group, BMO Nesbitt Burns also provides clients with access to one of the broadest selections of wealth management solutions and services available today.

3 About Jonathan We run segregated, disciplined portfolios which are customized to each client s needs. Our Core Values Putting Clients First Each client is unique and there is no single solution that universally addresses every client s needs. Our process begins with a consultative meeting to better understand the client s specific circumstances, financial needs and goals. Using the information gathered in this meeting, we then develop a tailored, comprehensive financial strategy that addresses the client s needs and sets in motion the journey to financial success. I joined BMO Nesbitt Burns as an Investment Advisor in early I was previously a Financial Services Manager with the BMO Bank of Montreal Branch in Oakville, where I strengthened my skills in the investment industry. My dedication to my clients, attention to detail and my business acumen, are all key abilities that I bring into my role. I specialize in providing customized investment solutions for high net worth clients, and have developed a reputation as a highly trusted Investment Advisor within my community and BMO Financial Group. I made the decision to join the Marshall Wealth team because it married both experience and methodology that mirrored the process I wanted to invest in. My family and I immigrated to Canada from China in After completing high school in Vancouver BC, I came to Toronto and graduated with a Bachelor of Commerce degree from University of Toronto. I am a FPSC Level 1 Certificant and a CFA level II candidate. My wife Karen and I live locally with our son Jayden. When not working, I enjoy fishing, spending time with my family and am also very involved in the community. Our team prides themselves on the high caliber of their service. Their dedication to their clients is demonstrated by regular faceto-face portfolio reviews and frequent open discussions about their clients evolving needs and cash flow requirements in order to provide proactive, reflexive solutions at every turn. Almost 30 years of experience in the investment industry have taught our team that successful wealth management requires not only expertise, but trust in the client-advisor relationship. We understand that an important part of applying a comprehensive, analytical approach begins with fully understanding each client s financial aspirations, previous financial experiences, risk profile and time horizon. We are proud of the strong relationships we have been able to cultivate with our clients, and the level of service we provide, which starts with the interview process and continues decades into the relationship. We build these long-lasting relationships through mutual trust, and consistency in both our service and our performance in helping to achieve our client s goals. We are committed to maintaining an open dialogue with our clients through regularly scheduled reviews and timely calls in response to changing markets and client needs. My team is dedicated to making themselves accessible for questions and comments, and responding quickly and efficiently when inquiries and issues arise. Specialties We specialize in financial and estate planning, investment portfolio management and a number of aggregated financial services to high net worth individuals, small business owners, institutions, select foundations, and endowments. Yu Qin Jonathan Lin Investment Advisor

4 Investment Process 1 Creating your Personalized Roadmap Through our consultative meetings with you, we will be listening to your plans for the future and building a financial model in and around your needs and capabilities. This model is not static and will be updated yearly to make sure we re staying on track with your financial plan. Most importantly, this will help us populate investments that meet your individual objectives, creating your personalized roadmap to financial success. 2 Client Risk Evaluation Retirement & Capital Return Analysis When assessing your appropriate level of investment risk, a formal retirement and capital analysis is critical in understanding your needs versus goals. Using sophisticated planning tools we create a clear and cogent picture of your finances including retirement and financial planning. Legacy Analysis Many assets are a legacy to clients future family members. This may lead to complex estate and tax planning requirements. We can evaluate these needs and draw upon our in-house tax, legal and estate experts to provide you with the optimal solution for your family legacy needs. It is a great benefit to have these experts working together with us to build your family s tax and wealth plan. Goals Every investor has unique goals. Our job is to understand your needs and customize a portfolio based on your specific objectives. Investment Process 1 Creating your Personalized Roadmap

5 3 Asset Allocation 1. Proactive Asset Allocation After we have assessed your investor profile we will employ a proactive approach to asset allocation. We use a sound framework to reduce emotional influences and make changes at appropriate times. 2. Secular Themes As we see new opportunities arise in various sectors of the market we will be adopting new strategies. 3. Horizons As your needs evolve or timelines change, we will constantly monitor your strategy to ensure it aligns with your personal or family s financial needs. 4. Investment Building Blocks The framework of a portfolio is critical when allocating capital. We will ensure you have the necessary building blocks with the proper focus on your changing goals. Investment Building Blocks Deep Value Dividends Special Situations Value Fixed Income 2 Client Risk Evaluation 3 Asset Allocation 4 Macroeconomics

6 4 Macroeconomics 6 Your Portfolio Backed by BMO Nesbitt Burns extensive Economic Research, we review National and International Economics and assess Income and Employment complementing in our Portfolio Analysis. Assessing Current Global Economic Trends Growth Unemployment Inflation Money Flow Government policies Your portfolio will reflect your risk assessment, time horizon, tax needs and cash flow requirements. It is the sum total of your Risk Evaluation, the Macroeconomic Outlook, Quantitative Analysis and appropriate Asset Allocation. If there is a material change in your needs, the economic picture, a company s outlook or BMO Nesbitt Burns interest rate outlook, Geoff will react dynamically within the market and adapt to the changing environment where required. Business Cycle Today s business cycles are widely believed to be irregular, varying in frequency, magnitude and duration. We are constantly evaluating data points to better understand where we are today and where we are headed. 5 Quantitative Analysis Our up to date analysis and dynamic investment strategies are built using the following five guidelines: Your investments are personal, so is our approach. 1. Growing earnings and dividend yield 2. Low price to earnings relative to industry 3. Low price/book relative to industry 4. High return on equity 5. Annual cash flow momentum 5 Quantitative Analysis 6 Your Portfolio

7 Our Services Meridian Program A customized fee-based advisory program that provides a traditional investment relationship without commissions. You are involved in the day-to-day investment recommendations within your portfolio. Managed Portfolio Account Program (MPA) This program establishes a direct relationship between you and Geoff as your accredited Portfolio Manager. Day-to-day investment decisions are made on a discretionary basis by Geoff in accordance with a clearly documented Investment Policy Statement based on your needs and goals. Our fees are highly competitive and offer excellent value. Fees for non-registered accounts are potentially tax deductible against income. Fee schedule available upon request. Geoff s business has been built by referrals. Referrals are always welcomed. Minimum Portfolio qualification is $500,000 per account. Portfolio Management Tax Efficient Strategies Retirement and Estate Planning Fee Based Investment Solutions Corporate & Personal Money Management Our Team Geoff Marshall Vice President Portfolio Manager Geoff has been a Portfolio Manager since 1992, and has been working in the investment industry since Since joining BMO Nesbitt Burns in 1998, Geoff has been a perennial recipient of the President s Council and the Directors Council awards. He is passionate about everything he does. This is immediately apparent to his clients by the level of dedication he applies to managing their portfolios. Geoff holds a B.A. from the University of Western Ontario, he is a Chartered Investment Manager, a Fellow of the Canadian Securities Institute, and a Life Insurance Advisor with BMO Nesbitt Burns Financial Services Inc. Geoff grew up in Oakville, where he graduated High School out of Appleby College and has spent over 50 years in the community dedicating a large amount of his spare time in a variety of community outreach services to help those in need. Geoff and his wife Heather have 5 grown children. With their spare time, they enjoy golfing, hiking and are avid sports enthusiasts. Chris Hanna Associate Investment Advisor Chris joined BMO Nesbitt Burns in 1999 after graduating from McMaster University with an Honours Bachelor of Commerce degree. As an Associate Investment Advisor, he is fully involved with clients in all stages of the investment process. His attention to detail and problem solving, make him an invaluable member of our team. Chris was born and raised in Oakville. He currently resides in Toronto with his wife Melanie and children Joshua and Taylor.

8 Talk with us Learn more Learn more Yu Qin Jonathan Lin Investment Advisor Geoff Marshall Vice President & Portfolio Manager BMO Nesbitt Burns 132 Trafalgar Road Oakville, ON L6J 3G5 Geoff Marshall Wealth Management Group BMO Wealth Management is the brand name for a business group consisting of Bank of Montreal and certain of its affiliates, including BMO Nesbitt Burns Inc., in providing wealth management products and services. BMO (M-bar roundel symbol) is a registered trade-mark of Bank of Montreal, used under license. Nesbitt Burns is a registered trade-mark of BMO Nesbitt Burns Inc. BMO Nesbitt Burns Inc. is a wholly-owned subsidiary of Bank of Montreal. BMO Nesbitt Burns Inc. and BMO Nesbitt Burns Ltée provide this commentary to clients for informational purposes only. The information contained herein is based on sources that we believe to be reliable, but is not guaranteed by us, may be incomplete or may change without notice. The comments included in this document are general in nature, and professional advice regarding an individual s particular position should be obtained. If you are already a client of BMO Nesbitt Burns, please contact your Investment Advisor for more information. Insurance services and products are offered through BMO Estate Insurance Advisory Services Inc., a wholly-owned subsidiary of BMO Nesbitt Burns Inc. BMO Nesbitt Burns Inc. is a Member Canadian Investor Protection Fund. Member of the Investment Industry Regulatory Organization of Canada.