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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.
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.
Kristy M. MacDonald has spent the past 15 years in the Financial sector, with the most recent decade focusing exclusively on Financial Planning and Wealth Management. Kristy holds the Certified Financial Planner (CFP®) designation conferred by the Financial Planning Standards Council (FPSC) as well as a Certificate in Retirement Strategy awarded by the Canadian Securities Institute. Prior to her current role, she worked as an Investment Banker in the Mergers and Acquisitions sector on Bay street in Toronto, Ontario.
In addition to her professional career, Kristy has held various leadership roles with several charities and non-profit organizations.
Kristy Earned her Bachelor of Arts form Colgate University where she also served as a member of the Division 1 women's ice hockey team.
Kristy resides in the Northumberland Hills area with her family and enjoys participating in various organized sports as well as hiking, skiing and cycling.
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.
Gunther Rappl has spent the past decade in the Financial sector, with his most recent focus on Financial Planning and Wealth Management. Prior to his current work as an Investment Advisor, Gunther gained in-depth and widespread banking knowledge through his various roles held with TD Bank Group. Gunther holds the Certified Financial Planner (CFP®) designation offered by FP Canada.
In addition to his professional career, Gunther is actively involved in the local agricultural communities. He has previously served on the Board of Directors of the Port Hope Agricultural Society for many years. In addition, Gunther has spent time volunteering at various at-risk youth organizations. Gunther earned his Bachelor's Degree from Trent University along with several Diplomas from Fleming College.
Gunther lives on a robust hobby farm where he enjoys being with family, cooking, and equestrian riding.
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.
Trudy Stacey has spent the past decade building extensive experience in client services, operations, accounting and compliance roles. As a Client Service Associate, Trudy's strong communication and administrative skills ensure our team continues to provide our clients with the highest standards of service.
Trudy holds a Bachelor of Science in Business Management from Quinnipiac University where she was also a member and team captain of the NCAA Division 1 Women's Ice Hockey team.
Trudy resides in the Northumberland Hills area with her family and enjoys participating in various organized sports and outdoor activities. Trudy maintains a very active role within the community and runs girls' hockey development sessions throughout Northumberland county.
Retirement planning is an ongoing process that helps you prepare for 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.
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.
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.
Planning for Major Purchases
Planning for major purchases may help you accumulate those items you want now and in the future with the least potential cost of borrowing.
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.
Banking & Credit Management
Effective banking and credit management helps to organize your day-to-day financial needs in a way that may save you time and money.
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Your Trust Officer with TD Private Trust provides a full range of Estate and Trust services that includes supporting you with your Will and Power of Attorney for property (POA) planning needs where The Canada Trust Company will act as your executor or attorney, and assisting you when you act as attorney or executor for a family member or friend. Your Trust Officer focuses on building long lasting relationships with you and your loved ones by providing continuity during the implementation of your financial and estate plan. From planning through administration, your Trust Officer supports you in creating a lasting legacy.
Dilia Ayala-Mayost
Executive Trust Officer
Your Trust Officer with TD Private Trust provides a full range of Estate and Trust services that includes supporting you with your Will and Power of Attorney for property (POA) planning needs where The Canada Trust Company will act as your executor or attorney, and assisting you when you act as attorney or executor for a family member or friend. Your Trust Officer focuses on building long lasting relationships with you and your loved ones by providing continuity during the implementation of your financial and estate plan. From planning through administration, your Trust Officer supports you in creating a lasting legacy.
Des Jardine
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.
Bernice Marien
High Net Worth Planner
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.
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
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.
advisors.td.com/harbourstonewealthmanagement
U.S. economy: Signs of resilience help to ease recession worries
While markets brace for a possible U.S. recession, there are signs of optimism. Thomas Feltmate, Senior Economist at TD, tells Greg Bonnell that resilience in both employment and consumer spending may be indication of a less gloomy outlook than previously expected.
Money Talk
Cut out the noise. Hear what matters. Watch our top story now
Money Talk Life
Life: your family, money, job, home -- we help you connect the dots.
Planning a winning RRIF strategy
If you're gearing up to retire in the next few years, you might start thinking about your various income sources. Converting your Registered Retirement Savings Plan (RRSP) to a Registered Retirement Income Fund (RRIF) is just one part of the retirement planning puzzle. Georgia Swan, Tax and Estate Planner with TD Wealth, speaks with Greg Bonnell about what to consider when drawing down your RRIF.
TD Economics
The analysis covers the globe, with emphasis on Canada, the United States, Europe and Asia
Monthly Perspectives: Institution Evolution
If you’re looking for proof of resilience and adaptability in the face of historic change, look no further than the TD Wealth Annual Investment Strategy Conference.
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