New and existing clients of TD Wealth Financial Planning, including TD Wealth Financial Planning Direct (together, "TD Wealth Financial Planning") can earn $500 (the "Award") by following the criteria outlined below (the "Offer"). The Offer requires the client to:
- Open two or more TD Wealth Financial Planning eligible account types (defined below) that they do not already have, and;
- Transfer a combined total of $150,000 or more in investable assets to the new accounts from another financial institution(s) or TD Canada Trust account.
The Offer is available starting June 16, 2025 and ends on August 29, 2025 (the "Offer Period").
New and existing clients must work with their TD Wealth Financial Planner to initiate the transfer-in process. Transfers must be initiated and submitted by a TD Wealth Financial Planner.
Eligibility:
Clients of TD Wealth Financial Planning are eligible to participate in the Offer. Please see below for further clarification on eligibility.
Eligible "Account(s)" for the Offer:
- Tax-Free Savings Account (TFSA) ₁ (CAD and USD will count as one account)
- Personal or Spousal Retirement Savings Plan (RSP) ₂ (CAD and USD personal and spousal will count as one account)
- Registered Education Savings Plan (RESP) ₃ (personal and joint will count as one account)
- Retirement Income Fund (RIF) ₄ (CAD and USD will count as one account)
- Non-registered account types (CAD and USD (personal and joint) will count as one account)
Account(s) not eligible for the Offer:
- Locked-in registered account types
- Non-personal accounts
- Registered Disability Savings Plan (RDSP) ₅
- Sweep accounts
- Eligible account types that were closed between April 15th and June 15th, 2025 inclusive (see scenarios below)
To be eligible for the Offer, a client must:
- Be a new or existing TD Wealth Financial Planning client
- Work with their Financial Planner to initiate the transfer-in process
- Be the age of majority in their province or territory by June 16, 2025
- Be a legal resident of Canada
- Meet the requirements below
See scenarios below for further clarification on account types:
A client with an existing TD Wealth Financial Planning Non-Registered personal or joint account will not qualify for the Offer if the client opens an additional personal or joint Non-Registered account.
A client with an existing TD Wealth Financial Planning personal or joint RESP account will not qualify for the Offer if the client opens an additional personal or joint RESP account.
A client with an existing TD Wealth Financial Planning personal or spousal RSP account will not qualify for the Offer if the client opens an additional personal or spousal RSP account.
A client with an existing TD Wealth Financial Planning TFSA will not qualify for the Offer if the client opens an additional TFSA.
Two or more different eligible Account types must be opened in order to qualify for the Offer. For example, a newly opened CAD TD Wealth Financial Planning TFSA and newly opened USD TD Wealth Financial Planning TFSA will be collectively considered as one new eligible Account for purposes of this Offer.
A TD Wealth Financial Planning account that was closed between April 15th and June 15th inclusive will not qualify for the Offer if the same account type is opened during the Offer Period. For example, a newly opened TD Wealth Financial Planning TFSA will not qualify for the Offer if the client closed an existing TD Wealth Financial Planning TFSA between April 15th and June 15, 2025, inclusive.
How to qualify for the Offer:
1. New or existing TD Wealth Financial Planning clients can earn a $500 Award by opening two or more new TD Wealth Financial Planning eligible Account types that they do not already have and initiating a deposit or transfer(s) of $150,000 (CAD) or more in investable assets from another financial institution(s) or TD Canada Trust account to the new TD Wealth Financial Planning eligible Accounts ("Qualifying Assets") by August 29, 2025, subject to the following:
a. Qualifying Assets must be transferred to a personal or spousal RSP, personal or spousal RIF, RESP, or TFSA ("registered"), or non-registered account types only (each account type a "Qualifying Account"). Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Wealth Financial Planning.
b. A minimum of $5,000 (CAD) must be transferred into each Qualifying Account.
c. The Qualifying Assets must be held in the Qualifying Accounts until February 28, 2026.
d. Qualifying Assets may be transferred from one Qualifying Account type held by an account holder(s) to another Qualifying Account type held by the same account holder(s).
e. Transfers originating from existing TD Wealth Financial Planning (including TD Wealth Financial Planning Direct), TD Direct Investing, TD Easy Trade™, TD Wealth Private Investment Advice, TD Wealth Private Trust and TD Wealth Private Investment Counsel accounts are not included in the Qualifying Assets.
f. Transfers from a TD Canada Trust account(s) originating from a TD Wealth Financial Planning account(s) are not included in the Qualifying Assets.
g. Transfers originating from the disbursement or roll over or an existing TD Wealth Financial Planning estate account into a Qualifying Account(s) may be included in the Qualifying Assets.
h. Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that account type. USD balances will be converted into CAD to determine eligibility using the FX rate on the date the Qualifying Assets are transferred in; and
i. Where a client deposits or transfers assets into multiple new Qualifying Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into those account(s) on the date the assets are deposited.
2. Withdrawals, de-registrations or transfers of assets made from any Qualifying Account between June 16, 2025, and February 28, 2026 (the "Qualifying Period") will be subtracted from the value of the Qualifying Assets. If such withdrawals, de-registrations, or transfers during the Qualifying Period reduce the amount of the client's Qualifying Assets, the client may receive a lower Award or no Award. Withdrawals equal to or less than the total value of any contributions, deposits, or transfers-in that are made after the end of the Offer Period will not reduce the amount of the client's Qualifying Assets.
3. Transfers must be initiated and recorded on TD Wealth Financial Planning's book of record by August 29, 2025. Qualifying Assets must be transferred and received into the Qualifying Accounts by no later than October 29, 2025. No exceptions will be provided.
Award Details
1. The maximum Award per client is $500.
2. The Award is at the individual client level. In the case of newly opened joint accounts, the funds will be allocated to the individual whose name appears on the joint account tax slip.
3. The Award is available one time per client, not per Qualifying Account. For example, a client transferring in $300,000 in Qualifying Assets into 4 Qualifying Accounts may only receive one Award.
Further Terms and Conditions:
- To receive the Award, a client must keep their Qualifying Accounts in good standing with TD Wealth Financial Planning. Good standing requires that their account(s) be open and must not go into a debit position.
- Employees of TD Bank Group are eligible for this Offer.
- Non-personal, professional, locked-in registered accounts do not qualify for this Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- This Offer cannot be combined with any other TD Wealth Financial Planning offer. If you do not wish to participate in this Offer, please notify your TD Wealth Financial Planner.
- TD Wealth Financial Planning will only reimburse transfer fees incurred to move funds from Canadian financial institutions to a TD Wealth Financial Planning account.
- This Offer is not transferrable.
- There may be tax implications associated with the Award. Clients should consult with their personal tax advisor for more information. For registered plans, the Award will be paid directly to the plan and is not considered a contribution.
- Interest, dividends, and account fees will be excluded from calculations used to qualify accounts.
Terms of Award Payment:
TD Wealth Financial Planning will pay the Award in CAD to the Qualifying Accounts by April 15, 2026.
The Award will be divided and deposited to each Qualifying Account in proportion to the value of the Qualifying Assets transferred into that account.
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