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
- Evaluating the amount and type of coverage
- Identifying options to protecting your assets or facilitate the tax-efficient transfer of wealth
- 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
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.
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.