Meet The Team
Senior Investment Advisor
PFP®
CFP®
CIM®
Kristy M. MacDonald has spent the past two decades in the Financial sector, with the most recent 15 years focusing exclusively on Financial Planning and Wealth Management. Kristy holds the Certified Financial Planner (CFP®) designation conferred by the FP Canada as well as her Chartered Investment Manager (CIM®) designation and Certificate in Retirement Strategy offered through 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 from Colgate University where she also served as a member of the Division 1 women's ice hockey team.
Kristy resides in the Northumberland County 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.
Investment Advisor
BA
CFP®
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.
Associate Investment Advisor
Associate Investment Advisor
With over ten years of experience in the financial Services Industry, Sarah has been actively engaged in fostering strong client relationships and helping clients achieve their personal financial goals.
Sarah grew up in Northumberland Hills County and now resides in Clarington with her family. Sarah enjoys golf, hiking and reading.
Client Service Associate
Client Service Associate
Marianne has over a decade of experience in the Financial Service Industry, with much of this time in the role of a Client Service Associate at TD Wealth Private Investment Advice. This experience has uniquely positioned her to deliver specialized support and exceptional customer service.
Marianne resides in Northumberland County with her family and enjoys participating in various organized sports both as a volunteer & participant.
Additional TD Specialists
Tax and Estate Planner
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.
Tax and Estate Planner
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.
Executive Trust Officer
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.
Estate Planning Advisor
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.
