BMO Financial Group delivers a range of financial services under various brand names, particularly within its Wealth Management division. For English-speaking clients seeking clarity on BMO’s online presence and service offerings, it’s crucial to understand the distinctions between these brands and the digital services they provide.
BMO Wealth Management encompasses several entities to offer comprehensive financial solutions. These include investment management, trust services, and loan products provided through BMO Bank N.A. For family office and investment advisory needs, BMO Family Office, LLC, and Stoker Ostler Wealth Advisors, Inc., both SEC-registered investment advisors, are available. Trust and investment management in Delaware are handled by BMO Delaware Trust Company. It’s important to note that “BMO Family Office” is an umbrella term for BMO Bank N.A., BMO Family Office, LLC, and BMO Delaware Trust Company, offering a broad spectrum of family office, investment, trust, and banking services. All these entities are affiliates under BMO Financial Corp., a subsidiary of the Bank of Montreal. BMO Delaware Trust Company’s operations are limited to Delaware and do not include typical banking products, nor is it FDIC insured. Service availability varies by location. Family Office Services are distinct from fiduciary services and are not governed by the Investment Advisers Act of 1940. Investment products carry risk, are NOT DEPOSITS, NOT FDIC INSURED, NOT BANK GUARANTEED, AND MAY LOSE VALUE. Capital Advisory Services are a division of BMO Bank N.A., Member FDIC, and an Equal Housing Lender (NMLS #401052).
BMO Private Bank, another brand name, is utilized in the U.S. by BMO Bank N.A., Member FDIC. Again, product and service availability may differ by state and location.
It is essential to recognize that information provided is for marketing purposes related to discussed planning strategies and should not be considered legal or tax advice. BMO Bank N.A. and its affiliates advise consulting with independent legal and tax advisors for personalized advice. Estate planning necessitates legal counsel, which BMO entities do not provide. Banking products are subject to approval and are offered in the U.S. by BMO Bank N.A., Member FDIC.
Important Notice for Customers:
In compliance with the USA Patriot Act, financial institutions are required to verify the identity of individuals and entities opening accounts to combat terrorism financing and money laundering. When opening an account, you will be asked to provide identifying information such as name, address, date of birth, and potentially identification documents like a driver’s license or incorporation certificate. Failure to provide requested information within 30 days may result in account closure. The provided information may be used for credit checks and identity verification through internal and third-party sources.
Be aware that third-party websites linked from BMO’s online platforms may have different privacy and security policies. BMO is not responsible for the content or security of these external sites. Always review the privacy and security policies of any linked websites.
