Chloe Cross, BA, PFP
Janine Morris Chloe Cross, BA, PFP
Financial Planner
CPA, CA
Let’s connect.
As BM Iw BMO Financial Group, I have the experience and expertise you can rely on. pe
Investment & Retirement Planning HUGHESMAN MORRIS Financial Planner Chloe Cross, BA, PFP Personal, corporate and estate tax Planning with As a Financial Planner, Investment & Retirement Financial Planner Investment Helping & Retirement Planning people understand and feel comfortable with their taxes is so important
Let’s connect.
Investment Retirement Planning and something Janine is passionate about.&She strives to ensure each person
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I will help define or redefine your the financial objectives then develop a hasyou a positive experience when visiting office and aims to relieve anxieties Branch by providing clients with theSidney knowledge and confidence that she is here to help. personalized plan for success.
Chloe Cross, BA, PFP Financial Planner Investment & Retirement Planning
Working with Janine will take the unnecessary stress of managing your accounting Financial Planne 2461 BEACON AVE I am and tax Investment issues off your&shoulders; shePlanning will deal directly the CRA on your As a Financial Planner, Retirement with with My Service Commitment About me... Investment & Re SIDNEY, BC V8L 1X7 Vic Sidney Branch behalf Iand respond to any and all questions in a you timely manner. Whether you need BMO Financial Group, have the experience and expertise can rely on. accounting assistance or require help with personal, corporate or estate taxes, 2461 AVE att I am you a graduate of University I am committed to building solid, lasting ChloeBEACON Cross, BA, PFP I will help define or The redefine your of financial objectives then develop a 250-655-2122 Janine and the HughesmanPhone: Morris team are here to meet your needs. SIDNEY, V8L 1X7 FinancialBC Planner with a degree in Economics. I have Planning relationships Financial Planner des personalized plan for success. As aVictoria, Financial Planner, Investment & Retirement withwith all of my clients. Fax: 250-655-2117 Investment & Retirement Planning attained the Personal Financial Planning Consistently communicating, promptly yea BMO Financial Group, I have the experience expertise you can rely on. Phone: 250-655-2122 Financial Planner 250.656.3991 • and www.sidneyaccountants.ca Investment & Retirement Planning My Service Commitment Aboutdesignation me... (PFP). I bring to my role 10 returning phone calls, and quickly chloe.cross@bmo.com Sidney Branch Chloe Cross, BA, PFP will help you define or redefine your financial objectives then develop a wit Fax: 250-655-2117 Investment & IRetirement Planning 2461 BEACON AVE years ofofexperience in personal banking on lasting administrative matters are Plann I am a graduate The University of I am committedfollowing to buildingup solid, Financial Planner As a Financial personalized plan for success. Let’s connect. Financial Planner SIDNEY, BC V8L&1X7 chloe.cross@bmo.com BMO Financial Grou Victoria,with with BMO a degree in Economics. I have relationships with of my clients. Investment Retirement Planning My Bank of Montreal. topallpriorities. Together, we will regularly Chloe Cross, BA, PFP I will help you defin attained the Personal Financial Planning Consistently communicating, promptly My Service Commitment About me... Investment & Retirement Planning review your plan, and make adjustments to Phone: 250-655-2122 Sidney Branch Financial Planner personalized plan fo My (PFP). Business designation I bring toPhilosophy my role 10 returning phoneInvestment calls, and quickly Planning I ca & Retirement Fax: 250-655-2117 Financial Planner 2461 BEACON AVE accommodate lifelasting changes as they arise. I amBAa Econ graduate of The University of I am committed to building solid, PFP, years of experience in personal banking following up onSidney administrative matters are About me... Branch fina SIDNEY, BC V8L 1X7 Victoria, with a degreemy in Economics. I have relationships with all of my clients. Investment &with Retirement Planning I can enhance Financial Planner chloe.cross@bmo.com Financial Planner BMO Bank of Montreal. clients’ overall long-term top priorities. Together, weAVE will regularly 2461 BEACON I am a graduate of The U My value to you attained the Personal Financial Planning attention, Consistently communicating, promptly pro SIDNEY, V8L 1X7 financial success with personal Phone: 250-655-2122 review your plan, andBC make adjustments to PlanningVictoria, with a degree i Investment & Retirement Investment Retirement Planning As a Financial&Planner, Investment &I Retirement My Business Philosophy designation (PFP). bring to myPlanning role 10 with returning phone calls, and quickly attained the Personal Fi connect. AsLet’s aFax: Financial Planner, Investment & Retirement Planning with BMO FINANCIAL GROUP 250-655-2122 250-655-2117 I al accommodate changes they arise.on your financial propertheplanning and counsel. IPhone: will help as you focus BMO Financial Group, experience andongoing expertise rely on. up life designation (PFP). I brin yearsI have of experience in personal banking you canfollowing on matters are Fax:administrative 250-655-2117 BMO Financial Group, I have the experience and expertise you can rely on. I can enhance my clients’ overall long-term years of experience in p Chloe Cross, BA, PFP I also work with qualified and dedicated needs and priorities. Together, we will: ass I will help you define redefine your financial objectives thenMy develop a to you chloe.cross@bmo.com with or BMO Bank of Montreal. topvalue priorities. Together, we will regularly chloe.cross@bmo.com Financial with BMO Bank of Mont Financial financial success then with personal attention, I willPlanner help you definePlanner, or redefinepersonalized your financial objectives develop a plan for success. associates within BMO Financial Group • Articulate goals to wh review your plan, and makeyour adjustments Investment &Investment Retirement Planning & Retirement Planning proper planning and ongoing counsel. I will help you focus on your financial My Business Philos My Business Philosophy personalized plan for success. who can provide specialized services to • Define your time horizon accommodate life changes as they arise. About me... My Service Commitment hel As a Financial Planner, Investment & Planner, Retirement Planning with Sidney Branch I also work with qualified and Planning dedicated needs and priorities. Together, we will: As a Financial Investment & Retirement with I can enhance my client Let’s connect. I can enhance my clients’ overall long-term help ensure that your broader financial • Identify gaps 2461 BEACON AVE I am a graduate of The University of I am committed to building solid, lasting financial success with pe BMO Financial Group, I have the experience and expertise you can rely on. your goals associates within BMOyour Financial Group Financial Group, I have the My experience and expertise youtrust can rely on. • Articulate Service Commitment AboutBMO me... My value toAs you nee As aPFP BMO investment professional Ifinancial work to earn a Financial Planner, Investment & Retirement Planning As a Financial Planner, Investment & Retirement Planning with SIDNEY, V8L 1X7 success with personal attention, with a degree inor Economics. I your have relationships withconnect. all of my clients. a proper planning and wit ong ChloeBC Cross, BA,connect. Let’s IVictoria, will help you define redefine financial objectives then develop Let’s needs are met. • Implement your plan • Define your time horizon provide specialized services to a I and will help you define redefine your who financial objectives then develop confidence. At or BMO we know thatcan your financial “well-
Let’s connect. Chloe Cross, BA, PFP
Chloe Cross, BA, PFP
Chloe Cross, BA, PFP Let’s connect.
Chloe Cross, BA, PFP Chloe Cross, BA, PFP
Chloe Cross
Chloe Cross, BA, PFP
BMO Financial I have the experience and expertise yo Financial Group, Isuccess. have the experience and expertise you can rely on. help you focus I also work with qualifie attained the Personal Financial Consistently communicating, promptly Planner am250-655-2122 graduate of The The University University of of BMO am committed toPlanning building solid, lasting IIFinancial am aa graduate of II am committed to building solid, lasting proper planning and ongoing counsel. I will on your Group, financial personalized plan for Phone: • Identify gaps I will help you define or redefine your financial help that yourfinancial broader financial Chloeobjectives Cross, BA,calls, PFP associates within BMO F Chloe Cross, PFP (PFP). I bringensure toredefine my role 10 returning phone anddevelop quickly Investment &BA, Retirement Planning objectives the Idesignation will help you define orwith your then a personalized plan for success. Fax:Victoria, 250-655-2117 Victoria, with degree in Economics. have relationships with allwith of my clients. with aa degree in Economics. II have relationships all of my clients. I also work qualified and dedicated needs and priorities. Together, we will: Financialup Planner who can provide special Financial Planner years ofme... experience in banking on administrative• matters are Myfollowing Service Commitment About Implement yourpersonalized plan needs are met. plan for success. personalized plan forpersonal success. Sidney Branch attained the the Personal Financial Planning Planningwith BMOConsistently Consistently communicating, promptly attained Personal Financial communicating, promptly associates within BMO Financial Group • Articulate your goals chloe.cross@bmo.com Investment Retirement help ensure that your br Investment & Retirement Planning Bank of Montreal. top priorities.&Together, wePlanning will regularly 2461 BEACON AVE me... I am a graduate of The University of Commitment I am committed to building solid, lasting Myphone Service About needs are met. My Service Commitme About me... My Service Commitment About me... designation (PFP). I bring to my role 10 returning calls, and quickly designation (PFP). I bring to my role 10 returning phone calls, and quickly who can provide specialized services to • Define your time horizon review your plan, and make adjustments to Sidney Branch Sidney SIDNEY,Branch BC V8L 1X7 Victoria, with a degree in Economics. I have relationships with all of my clients. My Business Philosophy life as they arise. 2461solid, BEACON AVEchanges 2461 BEACON AVE years ofI experience experience in personal personal bankingIattained following upcommitted on administrative matters are I am a graduate of The University of I am committed to building years of in banking following up on administrative matters are am a graduate of The University of that IConsistently amaccommodate committed to building solid, lasting help ensure your broader financial • Identify gaps am a graduate of The University of I am to building lasting the Personal Financial Planning communicating, promptly Phone: 250-655-2122 I can enhance myI clients’ SIDNEY, BC calls, V8L SIDNEY, BC V8L 1X7 Victoria, with a degree in Economics. I have relationships with all of my Victoria, a priorities. degree in Economics. I have with all 1X7 ofand myquickly clients. designation (PFP). bring tooverall my rolelong-term 10 returning phone with BMO Bank of of Montreal. Montreal. top priorities. Together, we will regularly with BMO Bank top Together, will regularly needs are met. • Implement your plan Victoria, with a degree in Economics. I with have relationships withwe allrelationships ofMy my clients. value to you Fax: 250-655-2117 financial success with personal attention, Consistently attained the Personal Financial Planning Consistently communicating attained Personal Planning promptly years of the experience inFinancial personal banking following upcommunicating, on administrative matters are Phone: 250-655-2122 Phone: 250-655-2122 review your plan, and make adjustments to review your plan, and make adjustments to attained the Personal Financial Planning Consistently communicating, promptly chloe.cross@bmo.com designation (PFP). I bring to my role 10 returning phone calls, and q proper planning ongoing will you focus on your financial designation (PFP). IMontreal. bring to my counsel. role 10 returning phone calls, and quickly with BMO Bank ofand topIpriorities. Together, we will regularly Fax:help 250-655-2117 Fax: 250-655-2117 My Business Philosophy accommodate life changes as they arise. years of experience in personal banking following up on administrat accommodate life changes as they arise. experience in personal banking following up onpriorities. administrative matters designation (PFP). I bring to my years role 10 returning phone calls, and quickly I alsoof work with qualified and dedicated needs and Together, weare will: review your plan, and make adjustments to My Business Philosophy chloe.cross@bmo.com chloe.cross@bmo.com with BMO Bank of Montreal. top priorities. Together, we with BMO Bank of Montreal. top Together, we will regularly accommodate life changes as they arise. associates within BMO Financialup Group •priorities. Articulate your goals can enhance enhance my clients’ overall overall long-term II can clients’ long-term years ofmy experience in personal banking following on administrative matters are review your plan, and make review your plan, make adjustments to value to services you Iwho can enhance my clients’ overall long-term can My provide specialized to • Define yourand time horizon My Business Philosophy My Business Philosophy My value toregularly you financial success with personal attention, financial success attention, with BMOwith Bankpersonal of Montreal. top priorities. Together, we will accommodate life changes accommodate financial success help ensure thatwith yourpersonal broaderattention, financial • Identify life gapschanges as they arise. I can enhance my clients’ overall long-term proper planning planning and and ongoing ongoing counsel. counsel. Iproper will help you focus on your your financial can enhance myand clients’ overall long-term proper will help you focus on financial review your plan, and make adjustments planning ongoing counsel. I will help you focus on plan yourto financial needs areII met. • Implement your My value to you My value to you
being” is not just measured in dollars and cents. “We’re here to help”™ is core to the wide range of services we provide to give you confidence in your financial future. With investment expertise, BMO Global Asset Management delivers a variety of investment strategies, innovative solutions and leading-edge Mutual Funds and Exchange Traded Funds. Benefit from the experience and global perspective of Canada’s seventh-largest fund company and one of the top 50 asset managers in the world. Research, simplification and guidance all help you feel
My Business Philosophy
financial success with personal attention, success with personal attention, I also that work with qualified and dedicated needs and priorities. Together, we will: also work work with qualified qualified and dedicated dedicatedfinancial needs and priorities. Together, we will: II also with and needs and priorities. Together, we will: confident in the decisions create a secure future. I will help you understand your accommodate lifefinancial changes as they arise. Financial Planners, Investment & Retirement Planning are representatives of BMO Investments Inc., a financial serv proper planning and ongoing counsel. I will help you focus on you proper planning ongoing counsel. I• will help you focus on your financial Trademarks of Bank of Montreal. associates withinand BMO Financial Group Articulate your goals options by setting goals and building a plan. With insight, knowledge, strategy and associates within BMO Financial Group • Articulate your goals • with Articulate your goals associates within BMOmy Financial Group I can enhance clients’ overall long-term Ifrom alsoinvestment work with qualified and dedicated needs and priorities. Togeth Iwho also work qualified and dedicated needs andyour priorities. Together, we awill: can provide specialized services to • Define time horizon Financial Planners, Investment & Retirement Planning are representatives of BMO Investments Inc., a financial services firm and separate legal entity Bank of Montreal. Financial Planners, Investment & Retirement Planning are representatives of BMO Investments Inc., a financial services firm and a separate legal entity from Bank of Montreal. My value to you Planners,associates Investment & Retirement Planning of BMO I 02/15-160 recommendations I can make a difference to your•• Articulate financial well-being.Financial Trademarks of Bank Bank Montreal. within BMO Financial Group are representatives • Articulate your goals who can provide specialized services toattention, Define your time horizon associates BMO your Financial Group your goals ••within Define time horizon who can provide specialized to help ensure that your broader financial Identify gaps financial success withservices personal 02/15-160 Trademarks of ofofMontreal. TM/® Trademarks of who Bankcan of provide Montreal. specialized services to • Define your time horizon who can provide specialized services to •• Define your your time plan horizon needs are met. Implement help ensure ensure that your broader financial • Identify gaps • Identify gaps help that your broader financial proper planning and ongoing I will help you focusensure on your financial Portfolio reviews and counsel. ongoing adjustments help your portfolio is aligned with your help ensure thattolerance your broader financial • Identify gaps help ensure that your broader financial • Identify gaps needs are are met. • Implement Implement your plan plan needs met. I for also work with dedicated needs your and priorities. we plan will: are met. • Implement your plan needs are •met. Implement your risk. As aqualified BMO and Investment professional I help• Together, by offering Retirement Planning,needs investment TM/®
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transactions, professional referrals, education savings, risk assessment and investment reviews.
associates within &BMO Financial Articulate Financial Planners, Investment Retirement PlanningGroup are representatives of• BMO Investmentsyour Inc., a goals financial services firm and a separate legal entity from Bank of Montreal. TM/® Trademarks of Bank of Montreal.
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who can provide services • Define horizon Keeping youspecialized informed and to updated helpsyour youtime rest assured that your investments are in good hands. help ensure that your broader financial • Identify gaps My value as a BMO investment professional is the strength of BMO Global Asset Management; your met.Planning are representatives of BMO Investments Inc., a financial • Implement yourlegal plan Financial Planners,needs Investmentare & Retirement services firm and a separate entity from Bank of Montreal. TM/®
02/15-160 winning combination. If you have any questions or concerns, I am available in person, by the phone or email. Call me today to get started.
Trademarks of Bank of Montreal.
Financial Planning, Investment & Retirement Planning services are provided by BMO Investments Inc., a financial 02/15-160 services firm and separate legal entity from Bank of Montreal. BMO Global Asset Management is a brand name that comprises BMO Asset Management Inc., BMO Investments Inc., BMO Asset Management Corp. and BMO’s specialized Financial Planners, Investment & Retirement Planning are representatives of BMO Investments Inc., a financial services firm and a separate legal entity from Bank of Montreal. Financial Planners, Investment & Retirement Planning are representatives of BMO Investments Inc., a financial services firm and a separate legal entity from Bank of Montreal. Trademarks of Bank of Montreal. 02/15-160 Trademarks of Bank of Montreal. investment management firms. Financial Planners, Investment & Retirement Planning are representatives of BMO Investments Inc., a financial services firm and a separate legal entity from Bank of Montreal. TM/® Trademarks of Bank of Montreal.
TM/®
TM/®
250.655.2122 • chloe.cross@bmo.com 02/15-160 02/15-160
of BMO BMO Investments Investments Inc., Inc., aa financial financial services services firm firm and and aa separate separate legal legal entity entity from from Bank Bank of of Montreal. Montreal. of
sentatives of BMO Investments Inc., a financial services firm and a separate legal entity from Bank of Montreal.
JANUARY 2019 | SEASIDEMAGAZINE.CA 15 02/15-160