BMO Bank

BMO Wealth Management U.S. Operates a dedicated family office division, BMO Family Office, that targets ultra-affluent individuals and families with substantial wealth requiring coordinated management across multiple disciplines. Where many private banks offer wealth services as an add-on, BMO Family Office positions itself as an integrated provider combining investment management, banking, trust administration, and wealth planning under a single relationship structure. The division is led by Michael Miranda as President and staffed with named managing directors covering investments, private credit, research, and lending originations, suggesting a team depth uncommon in a purely retail wealth context.

The family office offering spans both direct wealth owners and independent advisors who want to access BMO's infrastructure for their own clients. Core services include:

• Bespoke investment strategy design with detailed performance reporting
• Family estate and trust administration, including Delaware trust structures
• Debt capital sourcing and customized lending for ultra-high-net-worth borrowers
• Strategic philanthropy and donor-advised fund guidance
• Tax planning, IPO planning, and equity compensation strategies for executives and founders

BMO Delaware Trust Company operates as a standalone entity for families navigating the specific advantages of Delaware trust structures, which adds a layer of institutional depth most independent family offices would need to source elsewhere. The firm also maintains a Law Firm and Professional Services Group, signaling that it targets high-earning executives and business owners as a core client segment alongside traditional family wealth.

Pricing is not disclosed publicly, which is standard for private banking relationships at this level. Buyers should note that BMO Family Office is embedded within a large North American bank, meaning the breadth of the balance sheet is a genuine advantage for borrowing and banking, but the organizational complexity of a major bank may not suit families seeking a boutique or fully independent advisory relationship.

• Family wealth strategy integration with long-term financial goals
• Bespoke investment portfolio design and management
• Trust and estate administration including Delaware trust structures
• Customized debt financing and banking for ultra-high-net-worth clients
• Strategic philanthropy and charitable giving structuring
• Tax planning and executive equity compensation strategy

• Bespoke investment strategies with detailed performance reporting
• Delaware trust administration via BMO Delaware Trust Company
• Family estate and generational trust administration
• Lending and cash management for ultra-high-net-worth clients
• Strategic philanthropy and donor-advised fund guidance
• Tax-aware borrowing strategies
• Equity compensation and IPO planning for executives
• Family business succession and legacy planning
• Private credit solutions led by dedicated managing director
• Wealth planning across retirement, estate, and charitable giving

Built for Single Family Office (SFO), Multi Family Office (MFO), Private Wealth Owners / Principals, Advisors / Wealth Advisors (RIA).

Dedicated wealth professionals accessible via in-person meetings, phone, and advisor locator tool.