Kunal Mody
Associate Planner
I go beyond building investment plans, I build personalized financial plans
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TD Wealth Financial Planning
Your priorities are important to us. We can work together towards your goals, and can help with:
Women And Investing
Women and investing Wealth is about much more than just numbers and figures. It’s about having the power to do what’s right for you and your family, the freedom to fulfill your dreams, the flexibility to invest in your business and the assurance that you’re prepared for life’s ups and downs. Our aim is to protect and grow your wealth and help you make informed decisions throughout your life.
Retirees / Pre-Retirees
When you think about your retirement, what do you see for yourself? Do you see yourself traveling the world? Relaxing in nature up at your family cottage? Volunteering for a charity or organization you hold dear? Whatever your vision for retirement may be, we can help you plan for it.
Working together every step of the way
Important Tax Information for 2024
- You can now make your 2024 TFSA contributions - The annual TFSA contribution limit for 2024 is $7000 and you can carry forward unused contribution room from previous years. You pay no tax on any investment income you may earn in your TFSA and you can withdraw funds from a TFSA without paying tax. Your TFSA can hold a variety of qualified investments, including cash, stocks, guaranteed investment certificates (GIC's) and mutual funds.
- Contributions are deductible against your income for Canadian income tax purposes, subject to your contribution limit, and are not taxed until you withdraw them as needed during retirement (ideally at a lower tax rate).
- Your contribution limit for 2023 can be found on your Canada Revenue Agency Notice of Assessment for 2022.
- The deadline for 2023 contributions is 11:59 p.m., February 29, 2024.
- Money invested in an RESP can grow tax-deferred, and the best part? The government can contribute up to $7,200 over the lifetime of your child’s RESP (a maximum of $500 a year).
- RESPs can be used for anything related to obtaining a post-secondary education, including tuition, textbooks, rent and transportation. The lifetime maximum contribution is $50,000 for each beneficiary
Our Solutions
Wealth advice worthy of your years of dedication
Why TD Wealth?
- Sophisticated, personalized wealth advice
- A progressive and coordinated approach
- Focused on you and your unique needs
Your Unique Goals
Knowing that you have a plan for tomorrow will help you concentrate on getting more out of life — today.
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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.
Money Talk
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Money Talk
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Federal Budget 2023: What you need to know
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Federal Budget 2023: What you need to know
Ottawa released its 2023 federal budget aimed at building on Canada's green energy transition while addressing cost-of-living concerns. Greg Bonnell speaks with Derek Burleton, Deputy Chief Economist at TD, about the government's effort to balance spending demand with fiscal restraint.
Federal Budget 2024: Ottawa moves to raise capital gains tax on top earners, corporations
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Federal Budget 2024: Ottawa moves to raise capital gains tax on top earners, corporations
In its latest federal budget, Ottawa proposed changes to the capital gains tax rules for wealthy individuals and corporations. Nicole Ewing, Director, Tax and Estate Planning, TD Wealth, joins Greg Bonnell to discuss how this budget could impact your finances.
Monthly Perspectives: The Perfect Gift
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Monthly Perspectives: The Perfect Gift
Read the latest from our Wealth Investment Office
Monthly Perspectives: The Perfect Gift
PDF
Monthly Perspectives: The Perfect Gift
Read the latest from our Wealth Investment Office
Gearing up for 2024: Tax and rule changes coming in the new year
Article
Gearing up for 2024: Tax and rule changes coming in the new year
As 2023 draws to a close, there are some key changes coming that investors may want to prepare for, including an increase to the TFSA contribution limit for 2024 and adjustments to the Alternative Minimum Tax system. Nicole Ewing, Director, Tax and Estate Planning at TD Wealth, discusses what to expect with MoneyTalk’s Greg Bonnell.
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