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BMO financial planner's advice loses couple almost $50K15 steps for creating a personalized retirement plan � 1. Assess your current situation � 2. Set your retirement goals � 3. Calculate your. The BMO Group Retirement Savings Plan has the flexibility and low-cost options you need to make saving for retirement easier. Joining the plan is easy, so get. Filter ; July 10, BMO Retirement Income Fund (RIF) Advisor Application Form (SKU# ). RRIF ; July 10, Registered Disability Savings Plan (RDSP).