Not just any Portfolio Manager Your Portfolio Manager

Entering into a relationship with a personal Portfolio Manager takes you to the next level of investing. You have the peace of mind that comes from having a direct connection to the person managing your investments, yet you are not required to oversee each decision. These are handled by your Portfolio Manager, whom youve entrusted to manage your investments on a discretionary basis, leaving you more time to pursue your other goals and interests. Its a win -win situation True wealth is your ability to live the kind of life that you want, to reach the goals that you have set for yourself, your family and your business, and to create a legacy for the future that reflects your values. We provide personalized financial solutions that take our clients through the various stages of wealth management: building, preserving and transferring of wealth. Through a disciplined and consultative process we work with our clients in assessing not only their assets and liabilities but also their goals for the future.

Meet Our Team

Bernie Starchuk, PM, FCSI Vice President, Portfolio Manager Tel (905) 681-7151 E-mail: Bernie Starchuk

Jeffrey J Fray, B.Adm, CLU Estate and Insurance Advisor Tel (905) 897-5793 E-mail: Jeff Fray

Bernie Starchuk, PM, FCSI

Vice President, Portfolio Manager Tel: (905) 681-7151 E-mail: bernie.starchuk@nbpcd.com

Bernie has worked in the financial services industry since 1998 and is a Vice President and Portfolio Manager with the Burlington branch of BMO Nesbitt Burns. His professional experience has provided him with the opportunity to work with a diverse client base that includes business owners, professionals, corporate executives and retirees. Prior to joining BMO Nesbitt Burns, Bernie worked at the Metropolitan Toronto Board of Trade. Bernie specializes in providing personalized portfolio management solutions based upon a clear understanding of the goals you have for yourself and your family. His professional designations include; Portfolio Manager (PM), Canadian Investment Manager (CIM), Financial Management Advisor (FMA), and he is also a Fellow of the Canadian Securities Institute (FCSI). Bernie lives in Burlington with his wife Sandra and they enjoy golf, curling and gardening. Bernie and Sandra believe in giving back to their community by regularly supporting community charities. They are annual sponsors of the Joseph Brant Memorial Golf Tournament. Proceeds raised from this tournament are used to purchase medical equipment at Burlingtons Joseph Brant Memorial Hospital. They also sponsor The Madge Golf Tournament each year which raises money for breast cancer research at Hamiltons Juravinski Cancer Centre.

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Jeffrey J Fray, B.Adm, CLU

Estate and Insurance Advisor Tel: (905) 897-5793 E-mail: jeff.fray@nbpcd.com

Rounding out our team is Jeff Fray, our Estate and Insurance Advisor. Jeff assists clients with up-to-date strategies for registered asset preservation, transferring wealth tax-efficiently to the next generation, income replacement due to disability, and funding long-term care expenses. Jeff joined BMO Nesbitt Burns in February 1997. His 20 years in the financial services industry has given him a wealth of expertise in the areas of tax and estate planning. His clientele includes business owners, executives, public organizations and private individuals. Working closely with The Starchuk Group, Jeff is dedicated to providing clients with professional service and advice relating to estate planning and tax preferred insurance strategies. Jeff and his wife Jill have three children, Zach, Erin and Madeline. Each one of them shares a passion for hockey and plays competitively. Therefore, the family happily spends much of the autumn, winter and spring months at various hockey arenas throughout the province. Their summers are spent relaxing while camping and hiking.

The Process

We specialize in providing personalized financial solutions that take our clients through the various stages of wealth management: building, preserving and transferring of wealth. Through a disciplined and consultative process we work with our clients in assessing not only their assets and liabilities but also their goals for the future. 1. Clarifying Your Goals We begin our process with discussions about your concerns and life goals for the future. 2. Analyzing Your Needs We help you to prioritize your needs (both short and long-term) and together we gather the information needed to assess the resources you currently have at your disposal. 3. Defining Your Visions and Goals Together we will define what is important to you and what you hope to achieve in your financial future. 4. Educating on the Issues Based on the information gathered we are able to provide you with solutions that will help bridge the gap between where you are now and where you want to be in the future. 5. Alternative Strategies We will develop alternative strategies that will help keep you on track to achieving your goals and we ask that you commit to those strategies. 6. Specific Solutions We reach consensus on specific solutions under each strategy, which will ultimately involve the ongoing allocation of financial and human resources.

7. Implementing your Plan We implement those recommended solutions. Once the plan has been implemented we continue to work with you on an ongoing basis to monitor and evaluate your progress and make sure you remain on track to meeting your goals.

Holistic Approach

We know that financial goals in life are not just centered on investments. The broader financial picture is often very complex and many aspects of managing wealth require specialized attention. The Starchuk Group believes that proper wealth planning should employ a holistic approach. By looking at the big picture, our clients gain peace of mind knowing that major components of their financial well-being have been addressed. Estate planning, income and asset preservation, retirement planning, philanthropy and even business succession are areas that can keep anyone awake at night. As trusted advisors, we help our clients develop financial solutions so they can rest assured.

Working Together

We believe that our process provides clients with the best opportunity to gain the peace of mind that comes from knowing that all of their financial issues have been addressed. This helps us better understand their personal goals and visions for the future as well as their commitment to achieve success. The end result is a long-term relationship built on trust.

Our group works with a variety of clients such as business owners, professionals, corporate executives and retirees. The common thread among these individuals is that they are all committed to achieving their goals in life. They understand the benefits of working with an experienced team of professionals when it comes to managing their financial future.

Gateway

BMO Nesbitt Burns Gateway provides you with convenient access to your account 24 hours a day, seven days a week, from the comfort of your own home. With Gateway you have numerous tools for organizing your financial data. Tools such as Account Holdings, Transaction History, Portfolio Quotes, Performance Data, Cash Details, Asset Mix and much more, are all available at no additional cost to you. If you would like to access your account using Gateway please print this form, indicate which account number(s) you would like access to, sign the form, and mail it to our office. Jessica will get you set up and call with details on how to get started. If you already have access to Gateway Click Here to Log In