The Hesp Wealth Advisory Group. BMO Nesbitt Burns. Creating clarity by providing you with a true wealth leadership experience

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1 BMO Nesbitt Burns The Hesp Wealth Advisory Group BMO Nesbitt Burns Creating clarity by providing you with a true wealth leadership experience Learn more:

2 The Hesp Wealth Advisory Group Robert N. Hesp, CFP, FCSI, CIWM Vice-President & Associate Portfolio Manager Tel: Robert accepted the invitation to join BMO Nesbitt Burns in June 2013 and founded Hesp Wealth Advisory. His team offers the full spectrum of global family wealth leadership and financial organizational services creating customized client solutions with all the resources of BMO Nesbitt Burns and its parent company, BMO Financial Group. Based on the unwavering belief in the power of the client-advisor relationship and utilizing his global family wealth approach, Robert s clients reside in Canada, the U.S. and China. In 1993, Robert joined the investment industry. His credentials include Fellow of the Canadian Securities Institute (FCSI), Certified International Wealth Manager (CIWM), Financial Management Advisor (FMA), Canadian Investment Manager (CIM), and is a CERTIFIED FINANCIAIL PLANNER professional. Rob optimizes his expertise building tax-efficient strategies to grow and preserve clients wealth. Hesp Wealth Advisory believes in helping its client Live Your Ideal Life Innovative Global Family Wealth Leadership for Accredited InvestorsTM. To improve his client s wealth experience, Robert developed The Family Lynchpin Wealth Leadership ChecklistTM for extensive use in his practice. He actively enhances his perspective and understanding of global family wealth and fiduciary responsibility by dialoging regularly with colleagues in Canada, the U.S., China, Switzerland and the Bahamas. Earlier in his financial career, Robert served his clients as an Investment Advisor with Richardson Greenshields of Canada and RBC Dominion Securities. He lead troops as an officer with The Royal Canadian Regiment and earned his B.A. from Wheaton College, Illinois. Robert taught various wealth management courses for CSI Global Education Inc. in Canada and China, and the Intelligent Investor Seminar for the Investment Learning Centre of Canada. Actively participating in his community, Robert supported and volunteered for The Red Cross, The Chamber of Commerce, The Rotary Club, his church, federal and provincial political parties, and other ogranizations. For balance, Robert enjoys an active lifestyle and resides with his family in St. Catharines. Li Yu, MBA Associate Investment Advisor In May 2010, Li Yu joined Hesp Wealth Advisory, his responsibilities have grown significantly. As an Associate Investment Advisor, he focuses on investment analysis, trade execution and business development. Tel: li.yu@nbpcd.com Originally from Ningbo, China, Li completed his MBA in finance at Brock University, St. Catharines, Ontario Canada. His genuine enthusiasm and strong work ethic complement his academic background. Li s previous Chinese banking and international trade experience serve to increase and implement our group s global vision and capabilities. Li enjoys fishing, sports, English literature, canoeing and helping others. Jessica Banka Investment Representative Tel: jessica.banka@nbpcd.com Jessica is your first point of contact when you call Hesp Wealth Advisory. In August 2013, Jessica joined Hesp Wealth Advisory after a successful banking career. For six years, Jessica worked in all retail branch areas of TD Bank. Her excellent client service skills are invaluable in meeting and exceeding our client families needs. Her enthusiasm, drive to do the job right and provide above and beyond service for our clients, are essential as your first point of contact with us. Jessica lives in Niagara and graduated from Brock University with a Biological Sciences degree (BSc.) in She enjoys being active and spending time with her family and friends by the lake as often as she can.

3 Partners of The Hesp Wealth Advisory Group Darren Knott, CFP, CLU, ChFC Estate & Insurance Advisor, BMO Nesbitt Burns Financial Services Inc. Tel: Darren graduated from the University of Guelph with a BA in Economics and entered the financial industry in 1987 with Mutual Life of Canada. He is a CERTIFIED FINANCIAL PLANNER professional and also obtained the Chartered Life Underwriter (CLU) and Chartered Financial Consultant (CH.F.C.) designations. Darren joined the CIBC Wood Gundy Estate Planning team in June of 2001 before making his move to BMO Nesbitt Burns in September Darren served on the Board of Directors for three years with The Learning Disabilities Association of London-Middlesex and with ADVOCIS London s Board of Directors for eight years including a one year tenure in the role of President. Kevin Huang, MBA Mortgage Specialist, BMO Bank of Montreal Tel: kevin.huang@bmo.com Kevin began his career with BMO Bank of Montreal after he graduated from Brock University with MBA accounting degree in He left BMO Bank of Montreal for one year to gain lending experience at CIBC, and now Kevin is back with BMO Bank of Montreal as a Mortgage Specialist. Kevin s primary focus is helping first home buyers and new comers to Canada with their home purchasing needs. Georgia E. Weaver, CFP Wealth Management Consultant, Wealth Group, BMO Nesbitt Burns As a member of the Wealth Management Consulting team, Georgia brings together the knowledge and experience of our in-house tax and estate professionals and works with Robert and his clients to develop sound wealth management plans. Tel: georgia.weaver@bmonb.com Georgia provides support and direction about complex issues such as retirement and distribution planning, tax planning, cash management, estate and gift planning, transition planning and charitable giving. Georgia has over 15 years of experience in the financial services industry. Before joining BMO Nesbitt Burns, she worked for a major investment firm where she provided clients with financial planning, investment and insurance advice. Georgia holds a business degree in economics and is also a CERTIFIED FINANCIAL PLANNER professional. Christopher Short Private Banker, BMO Harris Private Banking Tel: christopher.short@bmo.com Christopher joined BMO Harris Private Banking in the summer of 2011 as a Private Banker, responsible for the relationship management of Platinum Banking clients in the Niagara Region. Christopher specifically provides financial advice and solutions relating to the needs of affluent individuals and their families. With an exclusive client list, Christopher is available to you and has the time to focus on your particular need and to be proactive around them. Christopher developed knowledge and experience in the financial services industry as a Commercial Account Manager with BMO Bank of Montreal based out of First Canadian Place in Toronto. Christopher s depth of experience in both Personal and Commercial banking, position him well to service his client base of successful business owners and professionals. Christopher s designations include Honours Bachelor of Business Administration, Concentration in Entrepreneurship Brock University and Investments Funds in Canada (IFC).

4 Our team We are a team of highly dedicated financial management professionals with outstanding experience and connections in the financial services industry. We have the knowledge, expertise, and resources available to deliver solutions to meet all of your financial management needs. Our team members include Robert Hesp, Li Yu and Jessica Banka. Our mission is to build and maintain trusted, long-term relationships with our clients by providing them with world-class global family wealth leadership and financial organizational services.

5 Wealth Planning is about much more than money. True wealth planning is defined as the ability to live life on your terms and to reach the goals that you set for yourself, your family and your business to create a legacy that reflects your values. What we do What makes us different? We use a unique wealth advisory approach to thoroughly understand your specific goals, preferences, and unique circumstances. As such, our advisory services are highly customized and are designed to meet your individual needs. By integrating and managing all of your investments, retirement, insurance, tax and estate planning needs we act as your personal CFO. Our comprehensive wealth advisory approach is what makes us different. We take the time to truly understand all aspects of your personal and financial picture before we make any recommendations. Why we do it Our experience has shown us that in today s market place there is an abundance of financial products and services which can often be confusing and cause clients to make poor investment decisions. We take pride in simplifying the wealth planning process for our clients and provide them with the assurance that they need. By positioning ourselves at the centre of our clients financial needs, we help them build, protect and transfer their wealth to future generations. Our clients We provide advice to a wide range of clients including professionals, retirees and business owners. One thing that our clients have in common is that they are looking for long-term, comprehensive strategies rather than short-term, isolated quick-fixes. In addition, we are governed by our firm and industry standards and code of ethics which ensure we operate at the highest level of professional conduct. The Chartered Financial Analysts (CFA) designation is also a globally recognized standard which measures the competence and integrity of investment professionals. Why should you do business with us? Many clients deal with us because of the breadth and depth of our resources and advice we can offer but more importantly because we truly care about each and every one of them. They also work with us because we are supported by one of Canada s leading investment firms BMO Nesbitt Burns. Since its origins in 1912, BMO Nesbitt Burns has been committed to helping clients meet their financial objectives and goals with the highest standards. As a member of BMO Financial Group, one of the largest financial service providers in North America, we can offer our clients a broad range of retail banking and investment products and solutions.

6 Wealth Management is a family affair You and your family Family issues Protecting your lifestyle Investing for the future Your retirement plan Creating a legacy Philanthropy and giving back Your financial security Power of attorney Your overall savings strategy Your retirement lifestyle plan Distributing your assets Your giving strategy Assisting your parents Disability income Customized portfolio strategies Your income options in retirement Your Will and trusts Charitable giving Assisting your children or grandchildren Survivor income More involved in investment decision Your company pension options Preserving your estate Private foundations Your personal healthcare Less involved in investment decision Transitioning away from your business Donor advised funds We know that your goals for the future go beyond investments. The broader picture is often very complex, and many aspects of managing your wealth require special attention. The Hesp Wealth Advisory Group believes that proper planning should take a holistic approach. In looking at the bigger picture, we ensure that our clients have peace of mind and know that major components of their financial well-being have not been overlooked. Estate planning, protecting your lifestyle, retirement planning, philanthropy and even business succession are areas that can keep you awake at night. As your trusted wealth leadership team, we help you develop financial solutions that make sense and that fit with your goals and risk tolerance.

7 Our process is a two-way partnership B M O N E S B Review Implement I T T B U R N S Clarify I N V E S T M E N T You and Your Family A D V Explore I S O R Evaluate Y O U R O T H E R Decide T R U S T E D A D V I S O R S Our approach with clients is consultative in nature and begins with listening to and understanding their needs. Before we can make any recommendations or suggestions, we need a clear picture of their vision and objectives for the future, and the level of commitment they have to these goals. Clarify We start by working with our clients to identify things that weigh on their minds and clarify their vision for their future. Explore Our clients then prioritize their needs (short and long term) as they see them and together we document the resources they currently have at their disposal. We work with our clients to help them define their vision as they see it with respect to what they are trying to achieve in their personal and financial lives. Evaluate We will then present concepts to assist clients in understanding how together, we can bridge the gap between where they are now and where they would like to be. Decide We develop short and long-term strategies to put clients on track to achieving their goals and have our clients commit to those strategies that they feel will best meet their needs. Implement Together we reach a consensus on specific solutions under each strategy, which will ultimately involve the ongoing allocation of financial and human resources. We then implement the agreed upon plan. Review Once a strategy is implemented, we will continue to regularly monitor and review the entire plan and evaluate progress to ensure that our clients are on target to meeting their individual goals.

8 Connect with us Tel: Toll Free: Fax: Learn more Office Location: BMO Bank of Montreal 6760 Morrison Street Niagara Falls, ON L2E 6Z8 Mailing Address: BMO Nesbitt Burns King Street West Hamilton, ON L8P 4V2 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. All insurance products and advice are offered through BMO Nesbitt Burns Financial Services Inc. by licensed life insurance agents, and, in Quebec, by financial security advisors. If you are already a client of BMO Nesbitt Burns, please contact your Investment Advisor for more information. BMO Nesbitt Burns Inc. is a Member - Canadian Investor Protection Fund. Member of the Investment Industry Regulatory Organization of Canada. January 2016