Your goals come first. Nothing else. That’s why we approach investment management by continually looking at where you are now and where you want to be. Through market shifts and life stages, each conversation you have with your wealth advisor is about one thing—helping you reach your goals.
The BMO difference
Access, expertise and the pursuit of your goals
Nothing is constant. Markets fluctuate. Life circ*mstances change. Your appetite for risk also evolves over time. We work with you to adjust your investment management strategies and tactics, so you can stay on track toward your goals. Here’s how we do it.
Lead with experience
Experience and expertise drive our key decisions, including asset allocation, risk evaluation, manager selection and portfolio construction.
Think unconventionally
We’re opportunistic and strategic in our approach, identifying investments and non-traditional asset classes that match your risk tolerance.
Open up access
We give you direct access to the decision makers—from a dedicated portfolio manager and our research team, all the way to our senior leadership.
What to expect
Strategies for the short and long term, onyour terms
This has been our investment management mindset from the very beginning. It’s the same approach that you can expect in everything we do for you.
- Strategic and tactical asset allocation
- Manager research
- Portfolio management, monitoring and reporting
- Investment account administration and capital market execution
- Investment advisory services
Insights
Mid-week Market Update 10-11-2023
Click the image below to view ourlatest Mid-week Marketing Update…
OCTOBER 11, 2023 YUNG-YU MA, PH.D.
Mid-week Market Update 10-04-2023
Click the image below to view ourlatest Mid-week Marketing Update&nbs…
OCTOBER 04, 2023 YUNG-YU MA, PH.D.
October 2023 Market Insights
Recent market driversThe markets have been on a bumpy path and the month of September exhibited e…
OCTOBER 04, 2023 YUNG-YU MA, PH.D.
EXPLORE RELATED INSIGHTS
The people behind the insights
Investment Management leadership
Michael Miranda, CFA®
Head of Investments - U.S. Wealth
BMO Wealth Management - U.S.
Michael is responsible for all aspects of the investment management busine…
Michael is responsible for all aspects of the investment ma…
Michael is responsible for all aspects of the investment management business in alignment with the strategy for BMO Wea…
Yung-Yu Ma, Ph.D.
Chief Investment Officer
BMO Wealth Management - U.S.
Yung-Yu Ma is the Chief Investment Officer for BMO Wealth Management in th…
Yung-Yu Ma is the Chief Investment Officer for BMO Wealth M…
Yung-Yu Ma is the Chief Investment Officer for BMO Wealth Management in the U.S. and joined the organization in 2016. H…
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FAQs
Our Strategy and Research Team uses a wide range of quantitative and qualitative factors to inform these critical decisions. We also believe a combination of active and passive strategies may producestronger long-term results.
First, a wealth advisor has a conversation with you about your interests and needs. If we determine that you have a distinct need for these types of investments, then a portfolio manager will consult with our ESG practice to present a set of fund options that best meet your objectives.
We understand the importance of both after-tax and after-fee costs, and we consider both of these factors when putting together your investment plan.
Contact us
Call us
1-877-225-3863
Monday through Friday (excluding holidays) 7:30 a.m. to 5:00 p.m. Central Time
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“BMO Wealth Management” is a brand delivering investment management services, trust, deposit and loan products and services through BMO Bank N.A., a national bank with trust powers; family office services and investment advisory services through BMO Family Office, LLC, an SEC-registered investment adviser; investment advisory services through Stoker Ostler Wealth Advisors, Inc., an SEC-registered investment adviser; digital investment advisory and financial planning services through BMO Direct Invest Inc., an SEC-registered investment adviser; and trust and investment management services through BMO Delaware Trust Company, a Delaware limited purpose trust company. “BMO Family Office” is a brand name that refers to BMO Bank N.A., BMO Family Office, LLC, and BMO Delaware Trust Company. The BMO Family Office brand provides family office, investment advisory, investment management, trust, banking, deposit and loan products and services. These entities are all affiliates and owned by BMO Financial Corp., a wholly-owned subsidiary of the Bank of Montreal. BMO Delaware Trust Company operates only in Delaware, does not offer depository, financing or other banking products, and is not FDIC insured. You must be an existing customer of BMO Bank N.A. and enrolled in BMO Digital Banking to qualify for services from BMO Direct Invest Inc. Not all products and services are available in every state and/or location. Family Office Services are not fiduciary services and are not subject to the Investment Advisers Act of 1940 or the rules promulgated thereunder. Investment products and services: ARE NOT A DEPOSIT – NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY – NOT GUARANTEED BY ANY BANK – MAY LOSE VALUE. Capital Advisory Services are offered by a division of BMO Bank N.A. Member FDIC Equal Housing Lender NMLS #401052
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I am an investment management expert with a deep understanding of the financial services industry. My knowledge is backed by extensive experience in asset allocation, risk evaluation, manager selection, and portfolio construction. I have a comprehensive grasp of both traditional and non-traditional asset classes, allowing me to strategically navigate market shifts and evolving client needs.
Now, let's delve into the concepts used in the provided article related to Wealth Services and Investment Management:
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Wealth Services and Investment Management Approach:
- The core philosophy is centered around putting the client's goals first. The focus is on understanding the client's current financial position and their future objectives.
- Adaptability is emphasized, acknowledging that markets and life circ*mstances are subject to change. Investment strategies are adjusted over time to align with the client's evolving risk tolerance.
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Key Decision-Making Factors:
- Decision-making is driven by experience and expertise, influencing crucial aspects such as asset allocation, risk assessment, manager selection, and portfolio construction.
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Unconventional Thinking:
- The approach is described as opportunistic and strategic, involving the identification of investments and non-traditional asset classes that match the client's risk tolerance.
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Access to Decision Makers:
- The clients are granted direct access to decision-makers, ranging from dedicated portfolio managers and research teams to senior leadership.
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Investment Management Strategies:
- The article outlines several key aspects of investment management strategies, including strategic and tactical asset allocation, manager research, portfolio management, monitoring and reporting, investment account administration, and capital market execution.
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Insights and Market Updates:
- Regular market updates are provided by experts like Yung-Yu Ma, Ph.D., offering insights into market drivers and trends.
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Leadership and Expertise:
- The article introduces key figures in the Investment Management leadership, such as Michael Miranda, CFA® (Head of Investments) and Yung-Yu Ma, Ph.D. (Chief Investment Officer).
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FAQs and Investment Approach:
- The FAQs highlight the use of a wide range of quantitative and qualitative factors by the Strategy and Research Team. A combination of active and passive strategies is advocated for stronger long-term results.
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Client Conversations and ESG Practices:
- A wealth advisor initiates a conversation about the client's interests and needs. If a need for specific investments is identified, a portfolio manager consults with the ESG practice to present suitable fund options.
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Client Support and Contact Information:
- Contact information is provided for clients to reach out, reinforcing the client-centric approach. Various options, including calling and scheduling calls with wealth advisors, are presented.
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Legal and Regulatory Disclosures:
- The article concludes with legal and regulatory disclosures, emphasizing compliance with laws and regulations in financial services.
In summary, the article showcases a comprehensive wealth management and investment approach, emphasizing adaptability, client engagement, expertise-driven decision-making, and a commitment to achieving client goals.
