New and 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 by following the criteria outlined below (the "Offer"). The Offer is available starting November 3, 2025 and ends on March 2, 2026.
Clients can earn a "Cash Back Award" of up to $5,000 on transfers into eligible TD Wealth Financial Planning account(s). Details of how the cash back amount is calculated are summarized in the "Table" below and set out more fully in the “Offer Details”.
Minimum amount of "Qualifying Assets" required to transfer in
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$150,000 transferred into eligible TD Wealth Financial Planning account(s)
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Maximum Cash Back Award per client
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$5,000
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Cash Back Award Amount
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1% up to a maximum of $2,000
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2% up to a maximum of $5,000
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Eligible Transfers
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- Transfers from TD Canada Trust Account to any eligible TD Wealth Financial Planning Account(s) listed below
- Transfers from another financial institution to TD Wealth Financial Planning Cash account(s)
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- Transfers from another financial institution to any eligible Registered TD Wealth Financial Planning Account(s) listed below
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Eligible Accounts
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- Cash (single or joint account holder)
- Tax-Free Savings Account (TFSA)1
- Registered Retirement Savings Plan (RRSP)2
- Registered Education Savings Plan (RESP)3
- Locked-In Retirement Account (LIRA)4
- Locked-In Retirement Savings Plan (LRSP)5
- Retirement Income Fund (RIF)6
- Life Income Fund (LIF)7
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- Tax-Free Savings Account (TFSA)1
- Registered Retirement Savings Plan (RRSP)2
- Registered Education Savings Plan (RESP)3
- Locked-In Retirement Account (LIRA)4
- Locked-In Retirement Savings Plan (LRSP)5
- Retirement Income Fund (RIF)6
- Life Income Fund (LIF)7
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Date Qualifying Assets must be held in qualifying account until to receive Award (The "Holding Period")
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Until November 30, 2026
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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 Account(s) to be open and must not go into a debit position.
- Be the age of majority in their province or territory by March 2, 2026.
- Be a legal resident of Canada.
- Meet the requirements stated in the above Table.
Account(s) not eligible for the Offer:
- Non-personal accounts
- Registered Disability Savings Plan (RDSP)8
Offer Details:
a. Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets transferred into the qualifying account type between November 3, 2025, and March 2, 2026. USD balances will be converted into CAD based on exchange rate of date 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 Cash Back Award Amount listed in the above Table.
c. Withdrawals, de-registrations or transfers of assets made from any qualifying TD Wealth Financial Planning account(s) between March 2, 2026, and November 30, 2026 (the Holding Period) will be subtracted from the value of the Qualifying Assets. If such withdrawals, de-registrations, or transfers during the Holding Period reduce the amount of the client's Qualifying Assets, the client may receive a reduced Award, or no Award based on the Cash Back Award Table listed above.
d. The Qualifying Assets must be held in the qualifying TD Wealth Financial Planning account(s) until November 30, 2026.
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. 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.
Further Terms and Conditions:
- To receive the Award(s), a client must keep their qualifying account(s) in good standing with TD Financial Wealth 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 for the Cash Back Award 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.
- Non-personal accounts, professional accounts, and Registered Disability Saving Plan Accounts do not qualify for this Offer.
- 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 TD Wealth Financial Planner.
- 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.
Terms of Award Payment:
TD Wealth Financial Planning will pay the Award(s) in CAD to client's qualifying account(s) by February 10, 2027
Where the client's Qualifying Assets are transferred to a single account, the Cash Back Award will be deposited into that account. Where the client's Qualifying Assets are transferred to multiple accounts, the Cash Back 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 Cash Back Award Table above.
Other
1 Refers to the TD Waterhouse Tax-Free Savings Account -TFSA
2 Refers to the TD Waterhouse Self-Directed Retirement Savings Plan -RSP
3 Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)
4 Refers to the TD Waterhouse Self-Directed Locked-In Retirement Account -LIRA
5 Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.
6 Refers to the TD Waterhouse Self-Directed Retirement Income Fund -RIF
7 Refers to the TD Waterhouse Self-Directed Life Income Fund -LIF
8 Refers to the TD Waterhouse Registered Disability Savings Plan -RDSP
TD Wealth Financial Planning, TD Direct Investing, 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 EasyTrade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Investment Counsel represents the products and services offered by TD Waterhouse Private Investment Counsel 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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