Halina Kulinska
Make every step count. Contact me to learn how you can earn up to $1850.1
Share your financial goals with us and we can help you build a personalized financial plan to start achieving them.1Conditions Apply. Offer ends January 31, 2025.
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Senior Financial Planner
BA
CFP®
Building your financial future – together
Phone
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With over 25 years of experience in the financial services industry, I have been actively engaged in fostering strong client relationships and helping clients achieve their personal financial goals. My commitment to continuous education, as well as completion of required qualifications, has earned me the Certified Financial Planner (CFP®) designation conferred by the Financial Planning Standards Council. I look forward to exploring investment strategies and solutions with you as we work together towards your unique financial goals.
Certificates
BA
CFP®
Languages
English
Polish
Frequently asked questions
What does a financial planner do?
What to expect at my first meeting?
TD Wealth Financial Planning
Your priorities are important to us. We can work together towards your goals, and can help with:
Tax Planning
Work with us to assess and recommend strategies that can help to reduce your tax burden, and:
- Reduce your taxable income during your lifetime or upon passing away
- Explore income splitting strategies
- Take advantage of tax deductions and credits available to you
Retirement Planning
We can offer strategies to help you become retirement-ready by discussing questions like:
- How much income is needed for the retirement you aspire to?
- How can you save enough to fund your retirement?
- How can you reduce taxes during retirement?
- When should you start taking your government benefits?
Estate Planning
Estate planning helps ensure your wishes are carried out and is an effective way to benefit your heirs.
- Ensure you have an up-to-date Will and Power of Attorney
- Consider using executor services like a corporate executor or Power of Attorney for Property
- Transfer your wealth and help avoid any unintended consequences
Our Steps To Preparing A Plan Uniquely Yours
Your Unique Goals
Knowing that you have a plan for tomorrow will help you concentrate on getting more out of life — today.
TD Wealth Financial Planning
Your priorities are important to us. We can work together towards your goals, and can help with:
Stepping into retirement: Preparing for the big transition
The transition from a successful career to this stage in life isn’t always easy.
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.
TDAM: Tax & Retirement Planning Guide
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.
Retirement Planning
- How much income is needed for the retirement you aspire to?
- How can you save enough to fund your retirement?
- How can you improve tax efficiency during retirement?
- When should you start taking your government benefits?
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