HarbourStone Wealth Management
Our dynamic advisory group assists individuals, families, and small businesses navigate the complexities of their ever-changing financial landscape.
Comprehensive Wealth Planning
The foundation of our wealth management strategy is the collaborative development of your WEALTH PLAN. Your Plan provides a comprehensive assessment of your financial situation; clearly defines your objectives; maps out a realistic path to achieve your goals; and will help ensure your investment strategy is aligned with your objectives. Our ongoing evaluation and review will help ensure your plan adapts to your changing life stages and unique goals and challenges.
Your WEALTH PLAN may include a combination of the following areas of focus:
Retirement and Cash flow Mapping
- Cash flow optimization by evaluating and layering various sources of income including company pensions, government pensions and investment income.
- Thoughtful and detailed budget creation and evaluation
- Commuted Value pension analysis
- Downsizing considerations
- Achieving major purchase goals
- Education funding for children and grandchildren
- Long-term care considerations and options
- Emergency fund creation
Legacy and Estate Planning*
- Facilitating the tax-efficient transfer of wealth
- Assisting families to build meaningful legacies across generations
- Assisting Executors & Powers of Attorney with financial management
- Evaluating various charitable giving and charitable foundation options
- Trust services
- Inheritance allocation
Incoming tax planning*
- Arranging your financial affairs to reduce your overall tax burden
- Identifying opportunities to utilize available tax incentives
Portfolio and investment solutions
- Identify risk tolerance and investment objectives
- Determination of appropriate asset mix
- Selection of diversified portfolio of securities that meet strict criteria for risk level and performance
- Monitor portfolio; modify and re-balance as necessary
Life Insurance*
- Evaluating the amount and type of coverage
- Identifying options to protecting your assets or facilitate the tax-efficient transfer of wealth
- Business Succession*
- Preparing your business for the future transfer of ownership and management to your chosen successor
*Some of the services listed above are provided by TD specialists
Portfolio management
Our investment management process is fully integrated with our wealth planning process to create a holistic strategy that is unique to you. We maintain a tailored and disciplined approach to investment management, guided by in-depth industry research and advice from some of the top economists, analysts, and investment professionals.
Your Goals, Our Priorities
We will work together to help you manage, grow, and protect your wealth. Our tailored services are designed to help meet your unique goals and priorities - no matter how complex they are.
We'll help you identify your priorities and create a plan to address your specific needs. We can help with:
We'll help you identify your priorities and create a plan to address your specific needs. We can help with:
- Protecting your assets
- Maximizing your charitable giving
- Finding tax strategies and solutions
- Arranging your estate and trust planning
Our Services
Your goals are our priority so when you work with us, you have access to experienced professionals across all our products and services. Whether you need answers about wealth strategies, retirement planning or transfer of wealth, we're here to help.
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Investment Planning
Transfer of Wealth
Will and Estate Planning
Retirement Planning
Polly – Moving forward with the right financial plan
Empowering Polly to achieve financial success
When Polly moved to Canada, she was determined to build a great life for her family. Years of hard work and resilience paved the way for success, but when faced with the unthinkable, Polly was left to start again, leaving her with feelings of uncertainty. Find out how with the help of her TD Wealth advisor and a personalized financial plan Polly was able to take charge of her family’s financial future.
When Polly moved to Canada, she was determined to build a great life for her family. Years of hard work and resilience paved the way for success, but when faced with the unthinkable, Polly was left to start again, leaving her with feelings of uncertainty. Find out how with the help of her TD Wealth advisor and a personalized financial plan Polly was able to take charge of her family’s financial future.
Nick & Justina – Business owners teaming up with TD Wealth
Putting finances into perspective
As small business owners, Nick and Justina make a powerhouse team, supporting each other through ups and downs. As parents, they worry about how potential challenges with the business could impact their family’s future. Nick and Justina teamed up with their TD Wealth advisor to build a personalized financial plan. With a plan in place, they finally saw that achieving their family’s goals while maintaining the business was possible. Find out how the right financial advice helped give them a brighter view of life.
As small business owners, Nick and Justina make a powerhouse team, supporting each other through ups and downs. As parents, they worry about how potential challenges with the business could impact their family’s future. Nick and Justina teamed up with their TD Wealth advisor to build a personalized financial plan. With a plan in place, they finally saw that achieving their family’s goals while maintaining the business was possible. Find out how the right financial advice helped give them a brighter view of life.
Tailored Solutions
Our solutions can help people meet their unique needs and make them feel more confident in their financial future.
Your unique goals
You've worked hard to get where you are today. Now's the time to maintain, grow, and protect your net worth. Get tailored advice, solutions, and strategies that can help achieve your goals.
Market Commentary
Build your understanding of investment concepts and stay current with ongoing market trends. Choose from a variety of helpful daily, monthly, and quarterly newsletters and resources.
Gearing up for 2024: Tax and rule changes coming in the new year
Article
Gearing up for 2024: Tax and rule changes coming in the new year
As 2023 draws to a close, there are some key changes coming that investors may want to prepare for, including an increase to the TFSA contribution limit for 2024 and adjustments to the Alternative Minimum Tax system. Nicole Ewing, Director, Tax and Estate Planning at TD Wealth, discusses what to expect with MoneyTalk’s Greg Bonnell.
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Money Talk
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Money Talk
Cut out the noise.
Hear what matters.
Watch our top story now
TD Economics
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TD Economics
The analysis covers the globe, with emphasis on Canada, the United States, Europe and Asia
Monthly Perspectives: The Perfect Gift
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Monthly Perspectives: The Perfect Gift
Read the latest from our Wealth Investment Office
Michael Craig on key investing themes to watch in 2024
Article
Michael Craig on key investing themes to watch in 2024
As inflation trends lower, financial markets are betting that interest rate cuts may not be far behind. Michael Craig, Head of Asset Allocation at TD Asset Management, discusses the outlook for rates and markets in the year ahead with MoneyTalk’s Greg Bonnell.
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Federal Budget 2024: How proposed new taxes and spending could impact the economy
Article
Federal Budget 2024: How proposed new taxes and spending could impact the economy
The federal government has released its 2024 budget with a focus on new taxes, increased spending and housing affordability. Derek Burleton, Vice President and Deputy Chief Economist at TD, speaks with Greg Bonnell about the economic implications.
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