Joshua Kravetsky
Investment Advisor
CIM®
Working together to help you achieve what truly matters to you
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I believe that each client's goals and tax situations are truly unique, and that wealth advice is not one size fits all. Very often, I find affluent investors have not taken full advantage of tax efficient investment strategies available to high net worth families. Many times their plans do not consider income splitting and generational transition strategies. My team and I offer relevant wealth advice as it relates to your specific situation, so that we can help you protect and grow your wealth in a tax efficient way. We strive to provide ongoing support to help you make the best decisions for retirement planning, pension decisions, sale of a business, farm or real estate holding.
Ongoing review and adjustments to your portfolio is critical for success in an ever-changing world. Investment recommendations are made to clients, using the most up to date information from the analyst team in TD's Wealth's research department. Using this expertise, a well-diversified portfolio for today's political, economic, tax and interest rate environment is created and adjusted regularly.
For clients with specialized needs due to complex estates, business succession planning requirements, corporate investments, and philanthropic tax planning needs; additional TD Specialists can be made available to assist.
Certificates
CIM®
Your Unique Goals
Helping achieve what truly matters to you and your family.
Build net worth: We can help you build your net worth by developing effective strategies and investment solutions that align to your needs, even as they evolve.
Protect what matters: By leveraging the expertise of TD specialists, we can integrate strategies to help you protect what matters to you most at every life stage.
Implement tax-efficient strategies: We can work with you to help create and structure your accounts to help reduce tax exposure while keeping income available for when you need it.
Leave a legacy: Your legacy is important to us. We’ll help you create a plan that provides for your top priorities and optimizes the transfer of your wealth.
What We Do
What to expect when working with us
Investment Management
Diversify your investments and grow your net worth to help optimize cash flow, maximize potential returns, and invest tax-efficiently.
Tax Planning
We can create a personalized wealth strategy to help you minimize tax exposure and keep income available as you need it.
Proactive Reviews
Get curated insights, timely updates, and regular reviews of progress towards your goals and adjust as your needs evolve.
In-depth discovery
Business Owners
We know that business owners have specific wealth management priorities. We bring in other TD specialists as needed to identify tax-effective strategies for your key accounts, leverage insurance structures to maximize estate value, and plan the transfer or sale of your business.
Foundations and Non-Profit Organizations
We guide the boards of not-for-profit organizations as they adopt prudent investment strategies for their assets. We understand their responsibilities and are sensitive to their investment constraints. We also work with TD Securities, the capital markets division at TD, to cultivate income and capital protection strategies for not-for-profit organizations.
High Net-Worth Individuals and Families
We recognize that every family has unique needs. We use our knowledge and experience to design a wealth management strategy to help meet those needs. Involving other TD specialists early in the process lets us simultaneously create professionally managed portfolios and wealth management plans to quickly identify and address priorities.
Professionals
Professionals such as physicians, dentists, accountants, lawyers and notaries are highly focused on their work and do not always have time to manage their investments and assets on a daily basis. Delegating day-to-day and discretionary portfolio management to our team adds value and saves our clients time.
