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Todd Sprecher

Senior Financial Advisor

Address

Todd Sprecher

508 N Lake Avenue

Twin Lakes, WI 53181

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Languages

English

Languages

English

Services offered

Wealth Planning
Investment Management
Retirement Planning
Insurance and Risk Management

Wealth Management

Contact Us

Follow BMO Harris Bank

For more information on individual Financial Advisors, you may visit: adviserinfo.sec.gov opens in a new tab; cfp.net/verify-a-cfp-professional opens in a new tab; brokercheck.finra.org opens in a new tab

BMO Wealth Management is a brand name that refers to BMO Harris Bank N.A. and certain of its affiliates that provide certain brokerage, investment advisory, trust, banking, securities, and insurance and brokerage products and services.

BMO Private Bank is a brand name used in the United States by BMO Harris Bank N.A. Not all products
and services are available in every state and/or location.

CTC | myCFO is a brand delivering family office services and investment advisory services through CTC myCFO, LLC, an investment adviser registered with the U.S. Securities and Exchange Commission; investment management services, trust, deposit and loan products and services through BMO Harris Bank N.A., a national bank with trust powers; and trust services through BMO Delaware Trust Company, a Delaware limited purpose trust company. BMO Delaware Trust Company offers trust services only, does not offer depository, financing or other banking products, and is not FDIC insured. Not all products and services are available in every state and/or location. Family Office Services are not fiduciary services and are not subject to the Investment Advisors Act of 1940 or the rules promulgated thereunder.

Capital Advisory Services are offered by a division of BMO Harris Bank N.A.

BMO Harris Premier Services represents a combined service approach of BMO Harris Financial Advisors and BMO Harris Bank, each a part of BMO Financial Group.

BMO and BMO Financial Group are trade names used by Bank of Montreal.

BMO Harris Bank N.A. and its affiliates do not provide estate planning services. Please consult with your legal advisor.

Banking products and services are subject to bank and credit approval. BMO Harris Bank N.A. Member FDIC opens in a new tab.

Notice to Customers
To help the government fight the funding of terrorism and money laundering activities, federal law (USA Patriot Act (Title III of Pub. L. 107 56 signed into law October 26, 2001)) requires all financial organizations to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth and other provided within 30 calendar days, the account will be subject to closure.

Third party web sites may have privacy and security policies different from BMO Harris. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from BMO Harris web sites.

This information is being used to support the promotion or marketing of the planning strategies discussed herein. This information is not intended to be legal advice or tax advice and should not be relied upon as such. You should review your particular circumstances with your independent legal and tax advisors.

BMO Harris Bank N.A. is an affiliate of BMO Harris Financial Advisors, Inc., BMO Investment Distributors, Inc., BMO Asset Management Corp., Taplin, Canida & Habacht LLC, Stoker Ostler Wealth Advisors, Inc., and CTC myCFO, LLC.

INVESTMENTS

Trust and certain investment products and services are offered by BMO Harris Bank N.A. Assets held under these products are segregated by law and are not subject to FDIC coverage.
The BMO Funds are distributed through BMO Investment Distributors, LLC a limited broker dealer. Member FINRA opens in a new tab / SIPC opens in a new tab.
Securities, investment advisory and insurance products and services are offered by BMO Harris Financial Advisors, Inc. a SEC-Registered Investment Adviser. Member FINRA opens in a new tab / SIPC opens in a new tab.
BMO Harris Financial Advisors, Inc. and BMO Harris Bank N.A. are affiliated companies.
Investment advisory services are offered through BMO Asset Management Corp., Taplin, Canida & Habacht LLC, Stoker Ostler Wealth Advisors, Inc., and CTC myCFO, LLC.

Securities, Insurance, and Investment products are:

NOT FDIC INSURED – NOT BANK GUARANTEED – NOT A DEPOSIT – MAY LOSE VALUE.

Privacy

FACTS

WHAT DOES CTC | myCFO DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security Number and Assets
Account Balances and Employment Information
Account Transactions and Wire Transfer Instructions

How?

All financial companies need to share customers’ personal information to run their everyday

business. In the section below, we list the reasons financial companies can share their

customers’ personal information; the reasons CTC | myCFO chooses to share; and whether you

can limit this sharing.

Reasons we can share your personal information	Does CTC \| myCFO share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don’t share
For our affiliates' everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes – information about your creditworthiness	Yes	Yes
For our affiliates to market to you	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

To limit our sharing

Call Toll-Free: 1-866-966-1130

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call Toll-Free: 1-866-966-1130

What we do
How does CTC \| myCFO protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does CTC \| myCFO collect my personal information?	We collect your personal information, for example, when you: open an account or give us your contact information provide account information or seek advice about your investments enter into an investment advisory contract We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates' everyday business purposes-information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone at the same address in our records – unless you tell us otherwise.

Definitions

Affiliates

Companies related by common ownership or control. They can be

financial or nonfinancial companies.

Our affiliates include financial companies with a Bank of Montreal or BMO name; and financial companies such as BMO Harris Bank, N.A.

Nonaffiliates

Companies not related by common ownership or control. They can be

financial and nonfinancial companies.

CTC | myCFO does not share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that

together market financial products or services to you.

CTC | myCFO does not jointly market.

Other important information

For California Residents: We will not share information we collect about you with companies outside of the BMO family of companies except with your authorization or as permitted by California law, such as to service your account. To authorize the sharing of this information, please call us toll-free at 1-877-225-3863. In addition, we will limit the sharing of information about you within the BMO family of companies to the extent required by California law.

For Vermont Residents: We will not share information we collect about you with companies outside of the BMO family of companies except with your authorization or as permitted by Vermont law, such as to service your account. We will not share within the BMO family of companies information about your creditworthiness without your authorization. To authorize this sharing please call us toll-free at 1-888-394-9178.

Nevada Residents: Notice provided pursuant to state law. To be placed on our internal Do Not Call List, call 1-888-394-9178. For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101. Phone number: 1-702-486-3132; email: BCPINFO@ag.state.nv.us

Privacy

FACTS

WHAT DOES BMO HARRIS BANK N.A. DO WITH YOUR PERSONAL INFORMATION?

Why?

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and employment information
account transactions and transaction history
credit history and investment experience

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons BMO Harris Bank N.A. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does BMO Harris Bank N.A. share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes – information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don’t share

To limit our sharing

Call Toll-Free: 1-888-654-0063

Questions?

Call toll-free: 1-888-654-0063
Talk to a banker at a BMO Harris branch
Talk to your assigned account representative

What we do
How does BMO Harris Bank N.A. protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does BMO Harris Bank N.A. collect my personal information?	We collect your personal information, for example, when you: open an account or deposit money apply for a loan or use your credit or debit card seek advice about your investments We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates' everyday business purposes-information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone at the same address in our records.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial or non-financial companies.

Our affiliates include financial companies with a Bank of Montreal or BMO name; and financial companies such as BMO Harris Bank, N.A.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

BMO Harris Bank N.A. does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include credit card companies.

Other important information

Privacy

FACTS

WHAT DOES BMO HARRIS FINANCIAL ADVISORS, INC. DO WITH YOUR PERSONAL INFORMATION?

Why?

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security Number and Assets
Account Balances and Employment Information
Account Transactions and Wire Transfer Instructions

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons BMO Harris Financial Advisors (BHFA) chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does BMO Harris Financial Advisors share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don’t share
For our affiliates' everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes – information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don’t share

To limit our sharing	Call Toll-Free: 1-888-394-9178 Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call Toll-Free: 1-888-394-9178

What we do
How does BMO Wealth Management protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does BMO Wealth Management collect my personal information?	We collect your personal information, for example, when you: open an account or seek financial advice about your investments make deposits or withdrawals from your account enter into an investment advisory contract provide account information updates upon request from us We may also collect your personal information from affiliates and other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates' everyday business purposes-information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	If you have a joint account, your choices will apply to everyone on your account – unless you tell us otherwise.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial or non-financial companies.

Our affiliates include financial companies with a Bank of Montreal or BMO name; and financial companies such as BMO Harris Bank, N.A.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

BMO Harris Financial Advisors, Inc. does not share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

BMO Harris Financial Advisors, Inc. does not jointly market.

Other important information

Todd Sprecher Financial Advisor in Twin Lakes, WI 53181

Todd Sprecher

Services offered

Todd Sprecher