The Osachoff Wealth Advisory Group BMO Nesbitt Burns 1/18/2019

Who We Are The Osachoff Wealth Advisory Group has over 55 years of combined Wealth and Investment Management Experience. Tony Osachoff, FCSI, CIM, B.A., Vice-President, Wealth Advisor. Managing private client wealth and needs since 1992. Made his first stock investment as 10 years old, completed Cdn. Securities Course in high school. Tiffany Thiam, CIM, Associate Investment Advisor. Has over 12 years of investment industry experience. Background includes Financial Planning Diploma from British Columbia Institute of Technology. Petr Straka, CFA, CIM, B.Tech.(Accounting), Investment Representative. Investment industry experience since 2000. Chartered Financial Analyst (CFA) charter holder since 2007. Sarah McQuaid, Administrative Assistant. Behind the scenes, Sarah keeps the team on track, and brings a level of detail-oriented organization that is second to none.

What We Do We provide the financial discipline to help clients make effective, conscientious choices and we are devoted in helping clients to achieve the things in life that are important to them.

What We Do (cont.) Financial Planning and Goal Tracking (20%) Financial Vision Document to determine and formalize Goals Retirement and Education Goals Analysis Cash Flow Analysis Actions Plans and Client Roadmap Goal Based Reports (Are we on track?) Enhanced Estate Planning (18%) Estate Plan Review BMO Trust Legal Expertise Testamentary Trusts Estate Organizer My Voice document from Fraser Health Risk Management (10%) Market/Asset Class/Sector Exposure Due Diligence on Individual Investment Holdings and their Role within Investment Portfolio Insurance Analysis and Advise Debt Analysis Coordination with Client’s Tax & Legal Advisors Investment Management (20%) Design of Investment Policy Statement (IPS) tailored specifically to your Needs and Goals Implementation of IPS Criteria through Customized Investment Portfolio Systematic Portfolio Rebalancing Semi-annual consolidated Portfolio and Performance Review Client Service (17%) Cash Flow Management Economic and Market Updates Detailed Investment Holdings Information and providing specific Recommendations Tax Optimization (10%) Tax Efficient Portfolio Design Realized Gain/Loss Analysis and Proactive Tax Planning Additional BMO/NB Services (5%) Access to Canada’s #1 Ranked Investment Research Online Access/Gateway

How We Do What We Do 1. Goal Setting Phase Detailed Personal Discovery Prioritizing the Important Issues in Client Life Scrutinizing Client Financial Documents 2. Strategy Development Phase Financial Plan Investment Plan Investment Policy Statement Enhanced Estate Plan 3. Implementation Phase Monitoring 4. Ongoing Periodic Reviews and Revisiting Needs Adaptation to Changing Conditions

Wealth Management Plan From Your Detailed Personal Financial Vision To Your Financial Plan

Our performance vs. other portfolio managers with comparable asset allocation, investment mandate and at least 10 years performance records

Who Have We Done It For? Families who believe that financial assets are part of diversified wealth preservation, accumulation and growth. We manage wealth for over 200 families with average $1,000,000 of investable assets per family. As this number continues to grow, we invest in growing our team with new talent and dedicated professionals. Our clients are families who recognize that they have many choices for their investing business, but they appreciate who we are, as people, and our approach to managing their wealth. Our clients are telling us that we help them sleep at night and that we take the worry and research out, so that they can focus on their own interest.

Why Should You Partner With Us? We Are Disciplined We Are Professional We Are Committed We Are Driven We Are Experienced Value and trust are the keys to any long-term business relationship. In our world of investment decision making we often make our decisions about investments based on "price" or based on "value". Price is a problem in the absence of perceived value. We must always recognize that most clients will make decisions about us based on a similar rationale. It is our service that differentiates us from our competitors.

Testimonials “ Not only would I recommend Tony - I do recommend him. He hears what you have today, acts on it, and keeps in touch. And he’s done a great job for us.” Flora & Harold P., Retired, Port Coquitlam, December 2006 “ I have been client of Tony’s for 20+ years and in the entire time I have been treated in a very honest and diligent manner. I also appreciate the fact that Tony always keeps in touch and lets me know the situation. As a financial advisor he is careful to tailor my accounts to suit my particular situation.” Gary H., Retired, Maple Ridge, December 2006 “ Tony does his research and takes the time to explain the pros and cons of any investment. I have no hesitation in recommending both him and his team.” Ken W., Business Owner, Coquitlam, April 2010 “ Tony Osachoff is a person of absolute impeccable integrity and has a pleasant, likeable personality. He takes time to understand his clients-hence a peace and reassurance in each conversation and transaction. Tony is highly recommended.” Alan P., Retired, Vancouver, December 2006 “ Tony has added much needed professional organization to our investments. Our investments are now better diversified and performing well as we both near retirement. We find Tony available, reliable and honest.” Wayne & Lorraine L., Semi-Retired, Coquitlam, December 2006 Talk about examples of companies that are using IBeacon technology and how

Contact Us Should you have any questions, please do not hesitate to contact a member of The Osachoff Wealth Advisory Group, BMO Nesbitt Burns: Tony Osachoff, FCSI, CIM, B.A., Petr Straka, CFA, CIM, B.Tech.(Accounting), Vice-President, Wealth Advisor, Investment Representative Portfolio Manager Petr.Straka@nbpcd.com Tony.Osachoff@nbpcd.com Tiffany Thiam, CIM, Associate Investment Advisor Tiffany.Thiam@nbpcd.com Sarah McQuaid, Administrative Assistant Sarah.McQuaid@nbpcd.com Grow Your Network BMO Nesbitt Burns 885 West Georgia Street, Suite 1700 Vancouver, BC, V6C 3E8 Tel.: 604-631-2680 www.osachoffwealthadvisorygroup.com

Disclaimers BMO Nesbitt Burns Inc. 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. 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. If you are already a client of BMO Nesbitt Burns, please contact your Investment Advisor for more information. The comments included in the presentation are not intended to be a definitive analysis of tax law: The comments contained herein are general in nature and professional advice regarding an individual’s particular tax position should be attained in respect of any person’s specific circumstances. The opinions expressed above are those of the named client author and are in no way representative of the views of all clients. Client testimonials do not constitute a guarantee, warranty, or prediction regarding outcome of your investments. If you are already a client of BMO Nesbitt Burns, please contact your Investment Advisor for more information. BMO Nesbitt Burns is a Member-Canadian Investor Protection Fund. Member of the Investment Industry Regulatory Organization of Canada.