Kunal Mody

Your Goals, Our Priorities
Kunal Mody

Associate Planner

I go beyond building investment plans, I build personalized financial plans



(416) 308-4865

Office Location

3757 Bathurst St Downsview, ON M3H3M5. map

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As a planner with TD Wealth Financial Planning, I am passionately committed to providing my clients a fully integrated financial plan that balances living life today with setting goals for tomorrow. I take the time to understand, not just their current financial circumstances, but also the objectives and motivations integral to it. Whether you are planning for retirement or starting a new business, I am here to help guide you every step of the way.

In my role, I focus on four key areas:

  • Build net worth – Identifying investment solutions that align to my clients’ evolving needs.
  • Implement tax-efficient strategies – Working with my clients to help create and structure their accounts to help reduce tax exposure while keeping income available for when it’s needed.
  • Protect what matters – Leveraging the expertise of TD specialists, I help integrate strategies to protect what matters to my clients.
  • Leave a legacy – Helping my clients to build a plan to effectively transfer their wealth.

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

Focus on what you do best – running your business – with help from my team and I who understand the complexities and the unique challenges you may face. Catering to the needs of business owners and entrepreneurs, our team of specialists can help simplify your finances and create a robust wealth plan.

Important Tax Information for 2024

Tax Free Savings Account (TFSA)
  • 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.
Retirement Savings Plan (RSP)
  • 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.
Registered Education Savings Plan (RESP)
  • 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

Our solutions can help people meet their unique needs and make them feel more confident in their financial future.

Wealth advice worthy of your years of dedication

You've dedicated years to your profession. Now, let us help give you the same level of experienced wealth advice you deserve in your retirement.

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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TD Economics

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Monthly Perspectives: The Perfect Gift

Read the latest from our Wealth Investment Office


Monthly Perspectives: The Perfect Gift

Read the latest from our Wealth Investment Office


Federal Budget 2024: How proposed new taxes and spending could impact the economy

The federal government has released its 2024 budget with a focus on new taxes, increased spending and housing affordability. Derek Burleton, Vice President and Deputy Chief Economist at TD, speaks with Greg Bonnell about the economic implications.
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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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