TD Wealth Financial Planning

Our TD Wealth planners look at the big picture, where you're at and where you want to be, and they design a financial plan to get you there. They leverage research and data, expertise from other TD Specialists, and use innovative tools to help turn your goals into reality. 

What is financial planning?

Financial planning involves creating a comprehensive strategy to help you achieve your short- and long-term goals. This strategy considers your current financial situation, earning potential, and changes in your circumstances. As your goals evolve, your financial planner can help you adjust your plan to ensure it's aligned with your priorities. 

TD Wealth Financial Planning may be suitable for you if you have CDN $100,000 or more in investable assets

Financial Planning 

We'll work together to develop a strategy to help you reach your financial goals. We have two options:

  • TD Wealth Financial Planning

    Build a personal financial plan with your TD Wealth Financial Planner:

    • Your dedicated financial planner will get to know your priorities through our deep discovery process
    • With regular contact and a personal plan we’ll help you achieve your goals and update your plan as your needs and priorities change
  • TD Wealth Financial Planning Direct  

    Work with a team of financial planners to build your financial plan:

    • Get the benefits of working with a financial planner, from the comfort of your home or office
    • Available remotely with more flexible hours; 8 AM – 8 PM ET Monday to Friday to help meet your needs

Transforming lives with financial planning

Janique - A Coach by Your Side

Janique relies on financial advice from TD Wealth to help guide her through a difficult setback.

 Video length: 2 min 05 s

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Retirement planning

Whether you want to retire in your golden years or sooner, our financial planners can help you transition smoothly into a financially secure future. They can help you with:

  1. Determining how much money you need to retire the way you want.

  2. Maximizing your income during retirement by taking advantage of various savings and investment accounts.

  3. Exploring opportunities for you to keep earning during retirement.

Estate and will planning

Estate planning can be overwhelming, but our experienced financial planners can help simplify the process. They'll work with you to:

  1. Appoint a power of attorney to make medical and financial decisions on your behalf, should you become unable to do so.

  2. Minimize your estate tax when you pass on your assets.

  3. Get a will and assign an executor to ensure your wishes are carried out.

Investment management

Growing your wealth through investing is an essential part of your financial plan, and there's a considerable amount of analysis and research that goes into creating portfolios. It's why TD Wealth Financial Planners offer a range of solutions that are tactically managed by TD Asset Management Inc. (TDAM). When TDAM builds portfolios, they focus on managing risk, reducing volatility, and enhancing the potential for long-term returns.

When you invest in these solutions, you can have confidence knowing they are being managed by an asset manager that:

  1. Is recognized as one of Canada's largest money managers, with $421 billion in assets. 1

  2. Helps Canadians work towards achieving their financial goals – and has done so for over 30 years.

  3. Is supported by over 300+ investment professionals.

1 As of March 31, 2023

Tax planning

One key element to maximizing your income is by reducing how much taxes you pay through tax planning. Work alongside a financial planner to:

  1. Take advantage of tax breaks and incentives to help lower how much taxes you owe now and later when you retire.

  2. Explore income-splitting strategies.

  3. Maximize the inheritance you pass on to your heirs by lowering your estate tax.

TD Wealth Financial Planning Direct

Enjoy the convenience and flexibility of working remotely with a team of financial planners to build your personalized plan. 

Frequently asked questions

Get answers to your financial planning questions. 

Financial planners support you in achieving your financial goals. They offer a mix of services that may include:

  1. Creating budgets for your big purchases.

  2. Helping you grow your wealth by investing in products that suit your needs and risk tolerance.

  3. Minimizing your taxes with tax planning.

  4. Planning for your retirement by taking advantage of various savings and investment accounts.

  5. Setting up your legacy by creating an estate plan.

Yes. Our TD Wealth Financial Planners are licensed as Certified Financial Planners (CFPs).

The effectiveness of your financial plan depends on how much you share with your planner.

  1. Your planner would want to get to know you, understand your goals, and your financial position.

  2. Knowing your assets, debts, and expenses would help make your first meeting productive.

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.

You'll need a minimum of $100,000 CDN in investable assets.

More on financial planning

Find more content on this and a variety of other wealth topics

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