New and existing clients with one or more account(s) ("Existing clients") of TD Wealth Financial Planning, including TD Wealth Financial Planning Direct, can earn one or more cash awards, collectively the “Award(s),” by transferring in $150,000 CAD or more in investable assets from another financial institution(s) or TD Canada Trust account(s) ("Qualifying Assets") and by fulfilling the criteria outlined below (the “Offer”). The Offer is available starting November 2, 2026, and ends on March 5, 2027.
Clients can earn an Award of up to a maximum of $5,000 (CAD) on transfers into eligible TD Wealth Financial Planning account(s). Details of how the Award is calculated are summarized in the table below and set out more fully in the “Offer Details.”
Award Summary
Minimum amount of Qualifying Assets required to transfer in
| $150,000 transferred into eligible TD Wealth Financial Planning account(s)
|
Maximum Award per client
| $5,000 (CAD)
|
Award Amount
| 1% up to a maximum of $2,000
| 2% up to a maximum of $5,000
|
Qualifying Assets
| - Investable assets transferred from TD Canada Trust account(s) to any eligible TD Wealth Financial Planning account(s) (Registered & Non-Registered) listed below
- Transfers from another financial institution (Non-Registered) to TD Wealth Financial Planning Cash account(s)
| - Investable assets transferred from another financial institution to any eligible Registered TD Wealth Financial Planning account(s) listed below
|
Eligible Accounts
| - Cash (single or joint account holder)
- Tax-Free Savings Account (TFSA)1
- First Home Savings Account (FHSA)2
- Registered Retirement Savings Plan (RRSP)3
- Registered Education Savings Plan (RESP)4
- Locked-In Retirement Account (LIRA)5
- Locked-In Retirement Savings Plan (LRSP)6
- Retirement Income Fund (RIF)7
- Life Income Fund (LIF)8
| - Tax-Free Savings Account (TFSA)1
- First Home Savings Account (FHSA)2
- Registered Retirement Savings Plan (RRSP)3
- Registered Education Savings Plan (RESP)4
- Locked-In Retirement Account (LIRA)5
- Locked-In Retirement Savings Plan (LRSP)6
- Retirement Income Fund (RIF)7
- Life Income Fund (LIF)8
|
Qualifying Assets must be held in qualifying account until this Date to receive Award (the “Holding Period”)
| Until March 1, 2028
|
Key Offer Dates
| Milestones | Date |
|---|
Offer start date1
| November 2, 2026
|
Offer end date2
| March 5, 2027
|
Holding Period end date
| March 1, 2028
|
Award payment date
| By June 9, 2028
|
Eligibility: New and Existing TD Wealth Financial Planning clients are eligible for the Offer.
To be eligible for the Offer, a client must:
- Be a New or Existing TD Wealth Financial Planning client, with account(s) in good standing at the time of participating in the Offer. Good standing requires that their eligible account(s) be open and must not go into a debit position.
- Be the age of majority in their province or territory by March 5, 2027.
- Be a legal resident of Canada.
- Meet the requirements stated in the Award Summary table.
Account(s) not eligible for the Offer:
- Non-personal accounts
- Professional accounts
- Registered Disability Savings Plan (RDSP)9
Offer Details
a. Qualifying Assets will be calculated according to the combined value of Canadian and U.S. denominated assets transferred into the qualifying account type between November 2, 2026, and March 5, 2027. USD balances will be converted into CAD based on the exchange rate on the date the Qualifying Assets are received into TD Wealth Financial Planning account(s) to determine eligibility.
b. Where a client transfers assets into multiple TD Wealth Financial Planning 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 as it relates to each Award Amount listed in the Award Summary table.
c. The Qualifying Assets must be held in the qualifying TD Wealth Financial Planning account(s) until March 1, 2028
d. Withdrawals, de-registrations or transfers of assets made from any qualifying TD Wealth Financial Planning account(s) between November 2, 2026, and March 1, 2028 (the Offer start date and Holding Period end date) will be subtracted from the value of the Qualifying Assets. Any such withdrawals, de-registrations or transfers may reduce the amount of the client's Qualifying Assets and may result in the client receiving a reduced Award, or no Award, based on the Award Summary table.
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 and TD Wealth Private Trust accounts are excluded from the Offer and will not be included in the Qualifying Assets.
f. 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.
1First date to initiate the transfer-in of Qualifying Assets
2Last date to initiate the transfer-in of Qualifying Assets
Terms and Conditions
- To receive the Award(s), a client must keep their qualifying account(s) 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.
- The maximum total Award per New or Existing TD Wealth Financial Planning client is $5,000 CAD.
- Transfers made by a joint account holder will be attributed to the account holder who has the joint account’s tax slip issued in their name.
- Employees of TD Bank Group are eligible 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 planner10.
- TD Wealth Financial Planning will reimburse transfer fees incurred to move funds from another financial institution to a TD Wealth Financial Planning account.
- This Offer is not transferable.
- There may be tax implications associated with the Award(s). Clients should consult with their personal tax advisor for more information. For registered plans, the Award(s) 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.
- Standard market fluctuations will be excluded from calculations used to determine if an account qualifies for the Award.
- Assets that have previously qualified for or received rewards under any prior promotional offer will not be included in the Qualifying Assets for the purpose of calculating the Award for this Offer. This includes assets that are transferred out and subsequently transferred back in.
Terms of Award Payment
TD Wealth Financial Planning will pay the Award(s) in CAD to the client’s qualifying account(s) by June 9, 2028 .
Qualifying accounts must be open on date of Award payment to be eligible to receive the associated Award amount.
Where the client’s Qualifying Assets are transferred to a single account, the Award will be deposited into that account. Where the client’s Qualifying Assets are transferred to multiple accounts, the Award will be divided and deposited into each account in proportion to the value of the Qualifying Assets transferred into each account as it relates to the Award Summary table above.
1 Refers to the TD Waterhouse Tax-Free Savings Account - TFSA
2 Refers to the TD Waterhouse First Home Savings Account - FHSA
3 Refers to the TD Waterhouse Self-Directed Retirement Savings Plan - RSP
4 Refers to the TD Securities Inc. Self-Directed Education Savings Plan - RESP
5 Refers to the TD Waterhouse Self-Directed Locked-In Retirement Account - LIRA
6 Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.
7 Refers to the TD Waterhouse Self-Directed Retirement Income Fund - RIF
8 Refers to the TD Waterhouse Self-Directed Life Income Fund - LIF
9 Refers to the TD Waterhouse Registered Disability Savings Plan – RDSP
10 Refers to an Associate Planner, Financial Planner or Senior Financial Planner
TD Wealth Financial Planning, TD Direct Investing, and TD Wealth Private Investment Advice are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Financial Planning Direct is a service offering from TD Wealth Financial Planning, a division of TD Waterhouse Canada Inc.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Trust services are offered by The Canada Trust Company.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
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