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At GS Wealth Management, we strive to provide exclusive, holistic wealth management solutions with integrity and transparency to high net worth families. Our goal is to fully understand our clients and build close, trusting relationships as we provide personalized, honest, straightforward advice. We focus on the fact that every person is unique and deserves customized wealth management solutions to help them to achieve their investment and personal goals and are guided by three main principles:
Honesty and integrity – In the conduct of our business, we will be straightforward, truthful and accountable in ensuring your interests come first and foremost. Superior client service – We believe long-term relationships can only be sustained when superior service is delivered consistently and reliably. Consistent long-term performance – Our objective is to deliver consistent performance for your investments from our team of financial professionals.
Our proven, straightforward process
Successful goal planning requires hard work and effort. Getting advice shouldn’t. Whether you are looking to potentially achieve financial security in retirement, provide for your children’s and grandchildren’s financial futures or ensure that a bequest is made to that special person or organization, our meticulous process is designed to present a well-defined and custom-tailored solution, and may help eliminate the financial “noise” that bombards you on a daily basis.
Client interactions will begin with a deep discovery. Our discussions will revolve around your current financial situation to gather an understanding of your needs and wants, and to take the time to get to know you. Our information gathering process is simple, efficient and easy to complete. We enhance our relationships over time by incorporating several aspects of your wealth planning needs.
Once we understand your unique situation, we develop a personalized wealth plan explaining each option and recommendation. We strive to ensure that our solutions are straightforward and easy to understand.
An integral step in our process is the ongoing evaluation and adjustment of your wealth plan to help ensure that the current strategy is still reflective of your objectives at various stages of your life.
We believe that those who experience our process find their efforts more focused, their results more satisfying and they can continue to enjoy their lives.
Burlington Office 5515 North Service Rd., Suite 400 Burlington, Ontario, L7L 6G4 T: 905 331 7517 T: 877 331 7517 F: 905 331 7523
GS Wealth Management 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.
● 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 2020 can be found on your Canada Revenue Agency Notice of Assessment for 2019.
● The deadline for 2020 contributions is 11:59 p.m., March 1, 2021.
● 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 $75,500 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.
Giac has been an Investment Advisor with TD Wealth Private Investment Advice since November 2000. Prior to this he spent 5 years with the TD Wealth Private Investment Council (PIC) division of both TD and Canada Trust, focusing exclusively on the needs of high net worth individuals. He has also held various management positions within the retail division of the bank. Giac is the first point of contact for potential clients in determining their individual wealth management needs and coordinates solutions and strategies with the other team members and/or business specialists. The extensive network of professionals with which he has surrounded himself ensures the appropriate recommendations are delivered to our clients, and are updated as their needs evolve.
Giac holds a Business Administration Degree from Ryerson University. He is a life insurance advisor with TD Wealth Insurance Services.
Having served with TD Bank Group clients since 1986, Albert draws on his extensive knowledge of the financial services industry in providing clients with solutions. His experience gained from roles in financial planning, management and financial advisory positions provides the framework for his leading role in the construction, implementation of wealth strategies and ongoing servicing of the team’s relationships. Albert works closely with the other members of the team to help ensure that each client’s individual wealth management needs are met.
Albert holds a Specialized Honours Degree in Economics & Business from York University. His commitment to continued advancement has led to extensive industry related education as evidenced by him also holding the Certified Financial Planner CFP, Canadian Investment Manager CIM, the Fellowship of the Canadian Securities Institute FCSI and the Chartered Professional Strategic Wealth Advisor Ch.P designations. Along with the above accreditations, he is also a life insurance advisor with TD Wealth Insurance Services.
Kevin has provided comprehensive wealth management advice and solutions to individuals and small business owners and their families for many years. He earned a Bachelor of Commerce at the University of Toronto with a major in finance and economics. Kevin worked with Royden Ritz at TD Wealth Private Investment Advice for 14 years prior to Royden entrusting his clients to our team’s care. Prior to joining TD, Kevin worked as an Investment Advisor at BMO Nesbitt Burns. He holds the Certified Investment Manager (CIM®), and Certified Financial Planner (CFP®) designations and is a Fellow of the Canadian Securities Institute (FSCI®).
Through tenured professional and academic experience, Kevin has developed a strong background in wealth management to best serve our client’s needs. His primary responsibilities include portfolio analysis and construction, market research and business development.
Married with three boys, most of Kevin’s time is spent taking his sons to their hockey, football, baseball and basketball activities. He’s also volunteered throughout the years as a coach and plays hockey and softball himself to stay active when he can squeeze in some personal time.
GS Wealth Management 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
Vesna first joined TD Wealth in 2007 and eight years later moved to RBC Dominion Securities for a short period before our team won her back to the firm in 2014. She returned to work with us because we truly work collaboratively. In 2015, Vesna obtained the Chartered Investment Manager (CIM®) designation and is currently pursuing the Personal Financial Planner (PFP®) designation from the Canadian Securities Institute. Vesna assists with investment management duties when our advisors require support, but her strength lies in her interactions with clients to discover what is truly important to them.
In 2016, Vesna proudly received the TD Wealth STAR Award, which recognizes her consistent delivery of legendary client experiences and her commitment to Service, Teamwork, Achievement and Results.
Vesna graduated from the Business Administration program at Sheridan College in 2005. In her spare time, she likes to unwind with family and friends. Vesna has always had the travel bug and fits in a beach vacation whenever she can.
Jeremy was introduced to the stock market at an early age by his father, who is an avid investor. Having known Jeremy and his family for so long, Giac hired him as a summer student in his second summer of his Bachelor of Commerce studies at Queen’s University. After supporting our team in the summers of 2011 and 2012, Jeremy worked as a research analyst at TD Asset Management Inc. for the summer of 2013 and graduated in 2014.
Global travel has been an important part of Jeremy’s evolution as a person and professional. He lived in Hong Kong for four years during high school, completed the Business International Exchange Program at Fudan University in Shanghai, China in 2012, and has travelled the world extensively.
Today, Jeremy shares his talents in technology, portfolio construction and research with our team and follows the markets closely. In addition, Jeremy also performs administrative duties and engages in client contact.
In his personal time, Jeremy stays active by playing sports and hitting the gym. He also enjoys spending time with friends in Toronto and continuing his world travels.
After earning a BA from the University of Western Ontario, Sue joined TD Bank Group in 1978 and has held several customer service roles over her 40+ years here. She joined TD Wealth Private Investment Advice in 1999, completed the Canadian Securities Course and obtained her Personal Financial Planner designation.
As an integral member of our team, Sue is committed to delivering white glove service as she assists clients with general inquiries and investment transactions. Internally, she schedules meetings and supports Susan Rohr with administration.
After work, Sue loves being with her beautiful family – her husband, three children and their two spouses, two granddaughters and two black Labrador retrievers. She lives in Burlington and is passionate about yoga, the Blue Jays, her book club, her great circle of friends, her dreams to travel more in the coming years, and spending family time at her cottage near Dorset in Haliburton.
Susan joined TD Bank Group in 1978 and has held various customer service positions for nearly 40 years. She originally joined TD Wealth Private Investment Advice as a Branch Administrator and has shared her astute organizational and service skills with our team since 2004. Susan’s primary responsibilities are managing general inquires and administrative processes. She strives to make sure that no phone calls slip into voicemail, keeps paperwork flowing, performs day-to-day transactions, and generally ensures clients get whatever they need – transfers, cheques, RRIF payments and more. Susan is well trained in customer service and our clients love her for it.
Married with four children, Susan is a certified yoga nut, avid downhill skier and an enormous fan of tennis and curling. She loves relaxing at her family cottage in Muskoka, south of Gravenhurst.
We're redefining private wealth management.
At TD Wealth Private Wealth Management, we believe in taking the time to discover what truly matters to you. You'll have access to a team of the most integrated specialists in the industry who will get to know what's important to you before getting to your numbers. It's private wealth management redefined, brought to you by one of the largest private wealth service providers in Canada.
Retirement planning is an ongoing process that helps provide financial peace of mind in the years leading up to retirement and throughout what can be one of the most rewarding phases of your life.
Tax management involves arranging your financial affairs in a way that may reduce your overall tax burden by identifying opportunities to utilize available tax incentives.
Planning for the cost of education is a process that can help provide your children and grandchildren with the opportunity to pursue the education and training they need to start their own careers and businesses.
Business succession planning is the process of understanding your personal and business goals and preparing your business for the future transfer of ownership and management to your chosen successor.
A charitable giving plan identifies the most effective way to share your wealth with your chosen charities. By selecting the right method of contribution you may maximize the amount of money the charity will receive from you.
Passing on your Wealth
An Estate plan, along with an up-to-date Will, helps you to provide for the family members, friends and charitable organizations that you want to benefit from your estate and sees to it that your wishes are carried out as you intended.
Your High Net Worth Planner of the Wealth Advisory Services team will work with you and your other professional advisors, when appropriate, to develop comprehensive wealth strategies based on a number of wealth considerations. Among them: creating retirement income streams, estate planning, business and insurance considerations, transitioning your business, accessing sophisticated credit solutions, tax planning and philanthropic planning.
Bob Izatt
Estate Planning Advisor
Your experienced Estate Planning Advisor of the Wealth Advisory Services team will work with you to help you determine the form of coverage for all of your financial and non-financial assets in case of unforeseen events. The strategic use of life, disability, living benefits and annuity products can also help you preserve your wealth, sustain your business and minimize tax obligations.
Laima Alberings
Tax and Estate Planner
The Tax and Estate Planner of the Wealth Advisory Services team applies expertise in estate, trust and tax planning to assist you in developing an estate plan that reflects your personal choices for the future, and the legacy you will leave behind. To help manage your responsibilities, we can work with other TD specialists and external subject matter experts to help identify issues and properly structure your estate in a tax effective manner..
Jeff Halpern
Business Succession Advisor
Your experienced Business Succession Advisor of the Wealth Advisory Services team will work with you and your team of external advisors, including lawyers, accountants and business brokers, to help you maximize your business' value, and create and implement a plan for the smooth transfer of your business down the road.
Jo-Anne Ryan
Vice President, Philanthropic Advisory Services
If you're looking for a way to plan your giving more effectively and create a lasting legacy to support the charities that matter most to you, our philanthropic services provide access to the Private Giving Foundation, the first donor-advised fund program launched by a financial institution in Canada. Our TD specialist will work one-on-one with you and your family to incorporate philanthropy into your overall estate and wealth plans, and help you create a legacy that is meaningful to you.
Market Commentary
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