Steven Lesperance

Work with us to assess and recommend strategies that can help to reduce your tax burden, and:

1. Reduce your taxable income during your lifetime or upon passing away
2. Explore income splitting strategies
3. Take advantage of tax deductions and credits available to you

We can offer strategies to help you become retirement-ready by discussing questions like:

1. How much income is needed for the retirement you aspire to?
2. How can you save enough to fund your retirement?
3. How can you reduce taxes during retirement?
4. When should you start taking your government benefits?

Estate planning helps ensure your wishes are carried out and is an effective way to benefit your heirs.

1. Ensure you have an up-to-date Will and Power of Attorney
2. Consider using executor services like a corporate executor or Power of Attorney for Property
3. Transfer your wealth and help avoid any unintended consequences

Given the evolution of domestic inflation, we expect the Bank of Canada ("BoC") to continue cutting its policy rate this year. However, barring a swift weakening of the economy, the BoC has stressed that rate cuts will materialize at a slower pace than the hikes they delivered in 2022 and 2023.

In our Q3 Market Perspectives, the TD Wealth Asset Allocation Committee provides its latest views on asset classes, where investing opportunities may arise, and future scenarios for global economies and interest rates.

At TD Asset Management Inc. (TDAM), we understand the importance of tax planning to investors. There are many tax-efficient investment vehicles available to Canadians to help maximize after-tax income and grow their investment portfolios. Read more here.

Our Q3 2024 Portfolio Strategy Quarterly, "All is Quiet?" is now available! The first half of 2024 will go down in the books as one of the calmest in history for the markets. But that all changed in late July, when we witnessed an assassination attempt on former president Donald Trump and an announcement that the current president would not seek reelection.

Market commentary on the latest quarter focusing on Canadian and U.S. fixed income, and Canadian, U.S and international equities.

When the market is this quiet, after all, a lot of things can become catalysts for a significant reversal, and when that reversal happens, as we wrote, it would be very fast. Well, it didn’t take long for just such a catalyst to materialize. In this edition of Perspectives, the turbulence of the last few weeks highlights the importance of sticking to an investment process that aligns with your individual goals and constraints.