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Paul Gill
Senior Investment AdvisorSenior Portfolio Manager
- CFP®
- CIM®
- FCSI®
Working together to help you achieve what truly matters to you
520 - 17th Street Suite 200 West Vancouver, BC V7V 3S8Map
Paul joined TD in 2002 and brings over 20 years of experience in the financial services industry. He is dedicated to delivering tailored solutions to help meet his clients’ immediate and long-term needs. As a Portfolio Manager, he provides his clients with discretionary investment management solutions.
Paul holds Certified Financial Planner (CFP®), Chartered Investment Manager (CIM®), Fellow of the Canadian Securities Institute (FCSI®) and Certified International Wealth Manager (CIWM®) designations as well as a Bachelor of Arts in Economics from the University of Victoria. He is also a Life Insurance Advisor through TD Wealth Insurance Services.
Paul lives in North Vancouver with his wife, daughter and son. He invests his personal time volunteering as a coach for his kids’ soccer teams, enjoys the occasional round of golf, skiing with his children and fundraising for the charities that are most meaningful to his family and clients.
Gill Wealth Management Group is a part of TD Wealth Private Investment Advice, a division of TD Waterhouse Canada Inc. which is a subsidiary of The Toronto-Dominion Bank.
ADDITIONAL CONTACT
Fax: (604) 981-4445
Branch Office: (604) 981-4400
Branch Fax: (604) 981-4432
LANGUAGES
English
Going beyond the financial picture
Facts about RRSPs:
● Contributions are deductible against your income for Canadian income tax purposes, subject to your contribution limit, and are not taxed until you withdraw them as needed during retirement (ideally at a lower tax rate).● Taxable withdrawals can be made at anytime, not just during retirement.
● The annual contribution room is 18% of previous year’s earned income up to a maximum contribution limit, subject to pension adjustments.
● Your contribution limit for 2021 can be found on your Canada Revenue Agency Notice of Assessment for 2020.
● The deadline for 2021 contributions is 11:59 p.m., March 1, 2022.
● Contributions made in the first 60 days of a year can be used for the current year’s or the previous year’s tax filing.
Maximum Annual RRSP Contribution Limits
Facts about TFSA:
- TFSAs were introduced in 2009; unused contribution room carries forward to future years.
- If you have never contributed to a TFSA, you could be eligible to contribute up to $81,500 this year.
- Contributions are not income tax-deductible, but investment income earned and withdrawals are tax-free.
- Funds can be withdrawn at any time, subject to the terms of the investments in the plan, and can be recontributed in subsequent years.
- Like an RRSP, a TFSA account can hold cash, mutual funds, stocks, GIC, bonds,and more.
- TFSA withdrawals do not impact certain federal government benefit and assistance programs, such as child tax benefits, Old Age Security or other guaranteed income supplements.
Accumulated TFSA Contribution Room
You will accumulate TFSA contribution room for each year in which, at any time in that year, you were over 18 and a resident of Canada, even if you do not file an income tax and benefit return or open a TFSA.
Gill Wealth Insights Spring 2022Wealth Insights Summer 2022
Gill Wealth Insights Autumn 2022
Gill Wealth Insights Winter 2023
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