Matthew Larose, Financial Planner,Comox, BC

Phone

Office

Office Location

1966 Guthrie Rd Unit 104b Comox, BC V9M3X7. map

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.

Certificates

CFP®

B.Sc.

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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

We begin by gaining an understanding of your personal and financial goals. Next, we provide you with a summary of our discussion to confirm we have correctly detailed all of your aspirations. Then, we create a plan that includes recommendations unique to you. After reviewing our recommendations, and making sure that you are in agreement, we will begin to implement the various elements of your plan and continue to work with you along the way. This way, we can recommend periodic adjustments whenever your personal or financial circumstances change. This ongoing process provides the confidence that comes with knowing that your plan is keeping you on the path agreed-upon to help you meet your goals.

Important Tax Information for 2025

Tax Free Savings Account (TFSA)

2025 TFSA contributions can now be made. The annual TFSA contribution limit for 2025 is $7,000 and you can carry forward unused contribution room from previous years.

Registered Retirement Savings Plan (RRSP)

Your RRSP contribution limit for the 2024 tax year can be found on your Canada Revenue Agency Notice of Assessment for 2023.
The deadline for 2024 tax year contributions is 11:59 p.m. on March 3rd, 2025.

Registered Education Savings Plan (RESP)

The lifetime maximum RESP contribution limit is $50,000 for each beneficiary.
The deadline for 2025 RESP contributions is 11:59 p.m. on December 31st, 2025.

Frequently asked questions

Get answers to your financial planning questions.

What does a financial planner do?

What to expect at my first meeting?

What are the steps in financial planning?

Step 1: Define your financial goals and when you want to achieve them.

Step 2: Gauge your financial position by knowing your income, expenses, and debts.

Step 3: Explore investment opportunities that align with your risk tolerance and the length of time you plan to hold the investment.

Step 4: Create a financial plan with timelines to achieve your goals.

Step 5: Review and adjust your plan as your goals evolve.

How much money do I need to work with a TD Wealth Financial Planner?

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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