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TD Wealth: Your Priorities, Our Expertise
Discover and achieve what truly matters to you
Benefit from the experience of a TD Wealth advisor who will work with you to determine your Wealth PersonalityTM profile and create a personalized wealth plan and wealth strategies. This plan can help you build your net worth, offer tax strategies and solutions, protect what matters, or guide you in planning your legacy.
We see the whole you
When you have a holistic plan and strategies in place, you can feel good about living your best life as you grow and protect your wealth, comfortable in the knowledge that you'll also be able to transfer it when the time is right. We can help with:
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Retirement planning
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Investment strategies
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Will and estate planning
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Tax solutions and strategies
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Succession planning for Business Owners
Let's work together
No matter what you need, we're here to support you with seamless onboarding, exceptional expertise, and regular reviews on progress towards your goals.
Grow your wealth
Work with a TD Wealth advisor who can help you:
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Define your goals and determine a plan to help you get there
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Align investing strategies to your unique circumstances
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Minimize taxes and retain more of your hard-earned money
Build your net worth and grow your investments
- Retirement planning: Determine your sources of retirement income, how much you'll need, and how to stay on track living the retirement you imagine.
- Investment management: Customized short- and long-term portfolio strategies to build and preserve your wealth.
- Banking and credit solutions: Get preferred rates, versatile deposit solutions, and access to flexible, non-traditional credit solutions like demand loans, exclusive to Private Banking clients.
- Education planning: Grow your education savings with information on government grants and tax-deferred growth. Start by opening a Registered Education Savings Plan (RESP).
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Explore tax-efficient strategies
Work with a TD Wealth advisor who will help determine whether you:
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Have maximized your income and savings by minimizing taxes
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Are taking advantage of tax credits and deductions available to you
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Have structured your investment portfolio for saving, accumulation, retirement, and minimizing taxes on investment growth
Tax strategies to maximize savings
- Family tax planning: Discover strategies to minimize your family's overall tax on investment income like income-splitting.
- Retirement income planning: Analyze all sources of income including government (CPP, OAS), pension plans, RRSPs, TFSAs and more.
- Tax-efficient investing: Assess the various types of investment income generated, and the types of accounts required for your investments.
- Managing taxes at death: Put the appropriate plans in place to maximize what you will leave to your beneficiaries when the time comes.
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Plan for the unexpected
Work with a TD Wealth advisor who can help you:
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Develop a plan for efficient borrowing should a liquidity need arise
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Consider how your family will benefit from having a will and ensure there are plans in place for children, disabled dependents, or elderly parents
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Prepare a Power of Attorney in the event you're unable to make your own financial or health care decisions
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Use available resources to ensure business succession planning is in place
How to protect what matters
- Protect your ability to earn income: Establish the necessary disability insurance coverage to replace income if required.
- Maximize the transfer of wealth to your beneficiaries: Fund tax liabilities with life insurance to maximize the bequest for your loved ones and causes important to you.
- Protect your business: Protect the continuity of your business through active succession planning.
- Powers of Attorney: Name a trustworthy person/financial institution to make decisions on your behalf should you be unable to do so.
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Look after your loved ones
Work with a TD Wealth advisor who can help you:
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Put a Power of Attorney in place for both property and personal care. Consider working with TD Care Connect services to provide the right support for financial and personal care
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Understand the importance of will and estate planning, including having an up-to-date will with named executor and trustee or guardian
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Establish a comprehensive business succession plan
Leave the legacy you want
- Will and estate planning: To ensure your wealth is transferred tax-efficiently and in accordance with your wishes.
- Executor and trustee services: Transfer the responsibility of managing an estate to a corporate executor and consider the use of a trust to manage your legacy.
- Charitable gifting: Structure your donations and charitable giving for optimized benefit. Consider the Private Giving Foundation to take care of everything.
- Executor Assist Kit: Download this practical guide to understand executor responsibilities.
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Services to help you achieve your financial goals
Your goals are our priority so when you work with a TD Wealth advisor, you have access to experienced professionals across all our products and services. Whether you need answers about financial planning, wealth strategies, private banking solutions or estate planning advice, we're here to help.
Are you ready to meet an advisor?
Get in touch with us