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HarbourStone Wealth Management

Working together to help you achieve what truly matters to you

  • 1 King Street West Cobourg, ON K9A4K2Map

Harbourstone Wealth Management

Our dynamic advisory group assists individuals, families, and small businesses navigate the complexities of their ever-changing financial landscape.

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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 industry-leading research and advice from the top economists, analysts, and investment professionals.

HarbourStone 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.

ADDITIONAL CONTACT

Branch Office: (613) 544-4226
Branch Fax: (613) 544-4398

Meet The Team

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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.

Investing in China’s tech ambitions and environmental goals

China’s new 5-year plan includes achieving ‘healthy’ growth with a focus on tech, innovation and the environment.  Kim Parlee speaks with Haining Zha, Vice-President and Portfolio Manager, TD Asset Management, about what this could mean for global growth and investment opportunities.

How might U.S. tax changes impact Canadians?

President-elect Joe Biden campaigned on a tax policy platform that would raise tax rates on wealthier Americans. Chris Gandhu, a High Net Worth Planner with TD Wealth, talks to Kim Parlee about what changes may be in store and how Canadians with assets in the U.S. can prepare for them

TD Economics

The analysis covers the globe, with emphasis on Canada, the United States, Europe and Asia

Monthly Perspectives | What Now?

What ever happened to certainty? Since February when COVID-19 became a global concern, we’ve experienced unimagined extremes many of which are beyond the confines of this monthly financial market update.

The Soul of the Fed

What’s that sound? That would be the collective sigh of relief emanating from C-suites across the U.S. and around the world yesterday, as executives (and their employees) register the good news that the Fed has delivered.

MoneyTalk - Questions investors are asking amid the COVID-19 pandemic

Anthony Okolie recaps the biggest news of the day including the latest COVID-19 developments, followed by a conversation between Kim Parlee and Brad Simpson, Chief Wealth Strategist, TD Wealth, about the recession, recovery, and finding a bottom for the market.  

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