Matthew Larose

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Matthew Larose

Financial Planner

PFP®

B.Sc.

Together, we will develop a personalized financial plan that will help you achieve your goals

Contact me

Phone

Office

(778) 541-9944

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

PFP®

B.Sc.

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:

  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

Retirement Planning

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

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

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 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

Frequently asked questions

Get answers to your financial planning questions.

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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