Investing and Wealth

*TD PRIVATE CLIENT WEALTH LLC CASH BONUS PROMOTION FOR INVESTMENT ADVISORY ACCOUNTS TERMS AND CONDITIONS*

TD Private Client Wealth LLC (TDPCW) is a US Securities and Exchange Commission registered investment adviser and broker-dealer and member FINRA and SIPC.  The Terms and Conditions provided here apply to a cash bonus promotion available exclusively to new investment advisory accounts opened with TDPCW (TDPCW Advisory Account). 

The TDPCW cash bonus promotion is not available for TDPCW brokerage accounts.  Investment advisory services and brokerage services are different, and you should only open a new investment advisory account and participate in this cash bonus promotion after you discuss your investment objectives and goals with your TD Wealth Advisor to determine if an investment advisory account is right for you, carefully review TDPCW's Form CRS, and review the fees and expenses associated with TDPCW investment advisory accounts and brokerage accounts.

TDPCW reserves the right to modify the terms and conditions of or terminate this cash bonus promotion at any time. TDPCW also reserves the right to terminate this cash bonus promotion and to refuse to comply with the terms if TDPCW determines that the cash bonus promotion was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening or funding the new TDPCW Advisory Account, that any laws, rules or regulations would be violated, or that any terms of the offer have been violated.

This cash bonus promotion does not constitute a recommendation by TDPCW as to which, if any, account or investment is appropriate for your personal situation. Investing involves risk of loss that clients should be prepared to bear. The investment performance and the success of any particular investment service or product cannot be predicted or guaranteed.  For more information about TDPCW’s Advisory programs, read TDPCW's Form CRS (link here) and the TDPCW Managed Account Form ADV Part 2A Wrap Fee Program Brochure (link here).

This promotion is valid only for a new (1) individual, (2) joint tenants with rights of survivorship ("JTWROS"), (3) Traditional IRA or (4) Roth IRA TDPCW Advisory Account. The cash bonus promotion does not apply to TDPCW corporate or any business/entity accounts, partnership accounts, custodial accounts, ERISA plan accounts, trust accounts, estate accounts, and UTMA accounts.  TDPCW TD Automated Investing or the TD Automated Investing Plus accounts and TDPCW brokerage accounts are excluded from this cash bonus promotion. 

You must fund the new TDPCW Advisory Account with cash or eligible securities valued at a $100,000 or more in accordance with the eligibility requirements and restrictions below. The promotion will apply to only one new TDPCW Advisory Account. If you are opening more than one new TDPCW Advisory Account, the promotion will apply to the new TDPCW Advisory Account with the largest contribution.   If you are opening a JTWROS Account, the offer will apply to the individual who is listed as the primary tenant in the TDPCW account contracts and agreements. 

The cash bonus promotion expires on October 31, 2025.

You must be 18 years or older and you must be a citizen of the United States or US Green Card holder with a permanent address in the United States who presents a valid Form W-9 to participate in this offer. You are responsible for any eligible taxes.

Clients are solely responsible for enrolling or asking to be enrolled in the TDPCW Advisory Account cash bonus promotion by contacting a TD Wealth Advisor.

You may fund a new TDPCW Advisory Account through an existing TD Bank deposit account, or through a transfer of cash or securities from another US bank or US financial services company. New TDPCW Advisory Accounts funded by transfers from an existing TDPCW investment advisory or brokerage account are NOT eligible for this promotion.

The promotion is only valid for new TDPCW Advisory Accounts that meet TDPCW’s account opening requirements, including Know Your Customer review, and are deemed “approved.”

The new TDPCW Advisory Account must be funded in accordance with the qualifying account minimum within 45 calendar days of the TDPCW Advisory Account approval.

The TDPCW Advisory Account minimum must be maintained for 90 calendar days from the TDPCW Advisory Account approval date (Qualifying Period).

The minimum balances (Net Deposit Amount) are based on the total external deposits or transfers into the new TDPCW Advisory Account (including cash and eligible securities) minus assets withdrawn or transferred out of the TDPCW Advisory Account within the Qualifying Period, irrespective of any losses or gains due to trading or market fluctuations.

If the TDPCW Advisory Account complies with the eligibility requirements for the Qualifying Period, a cash bonus will be deposited into the new TDPCW Advisory Account 15 calendar days after the Qualifying Period ends in accordance with the schedule below:

The cash bonus deposited into your TDPCW Advisory Account will be subject to the TDPCW investment advisory wrap fees that apply to your specific TDPCW Advisory Account.   Additional information about TDPCW wrap fees and other expenses is available in the TDPCW Managed Account Program Form ADV Part 2A Wrap Fee Program Brochure.

You can only participate in one TDPCW Advisory Account cash bonus promotion during any 12-month calendar period. The cash bonus promotion may be applied to only one new TDPCW Advisory Account per person.

For Traditional IRA accounts and Roth IRA accounts:

Any new TDPCW Advisory Account that is funded by an ERISA Plan to IRA rollover is NOT eligible for this promotion. The cash bonus award will be deposited into the new TDPW Advisory Traditional IRA account or Roth IRA account and will be treated as earnings on that account. As you take distributions from your TDPCW Advisory IRA account, the distribution amounts will be reported to you on Form 1099-R.

The value of the cash bonus promotion may be considered income, and we may be required to send you, and file with the IRS, a Form 1099-MISC (Miscellaneous Information). You are responsible for any tax liability associated with the cash bonus promotion. Please consult your own tax advisor if you have any questions about your personal tax situation.

TDPCW does not provide tax, legal or accounting advice to its clients.
 

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¹TD Automated Investing and TD Automated Investing Plus are robo advisory services of TD Private Client Wealth LLC, a US Securities and Exchange Commission registered investment adviser and broker-dealer, member FINRA/SIPC (TDPCW). Please review the TDPCW TD Automated Investing and TD Automated Investing Plus FAQs and the TDPCW TD Automated Investing and TD Automated Investing Plus Form ADV Part 2A Wrap Fee Program Brochure carefully before investing. 

²TD Investment Services (US) is an investment advisory offering of TDPCW and is available to clients with $100,000 or more in investable assets. Please review the TDPCW Managed Account Form ADV Part 2A Wrap Fee Brochure carefully before investing.   

³TD Wealth Private Client Group is a unit of TD Wealth® which is a brand of TD Bank, N.A. (TD Bank), Member FDIC. TD Wealth Private Client Group is available to clients with $750,000 or more in investible assets and $3 million or more in net worth (exclusive of real estate). Banking, investment management, lending and trust services are available through TD Bank. Securities and investments are available through TDPCW. Please review the TDPCW Managed Account Form ADV Part 2A Wrap Fee Brochure carefully before investing.

⁴TD Wealth Portal is an online digital tool that allows TD Wealth clients to view balances and activity in their TD Bank retail deposit accounts and mortgage and personal lending accounts as well as activity in their TD Private Client Wealth LLC investment advisory and brokerage accounts on the TD Mobile App.

⁵The projections or other information generated from TD Wealth Plan regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual results and are not guarantees of future results.

⁶The TD Wealth articles are for informational purposes only and are not intended to provide professional, investment or any other type of advice or recommendation, or to create a fiduciary relationship. You should not make an investment decision in reliance on this material, which is intended to provide only brief comments on the topics addressed and is based on information that is likely to change without notice. This material does not take into account any specific objectives or circumstances of any particular investor or suggest any specific course of action. Investment decisions should be made based on the investor’s own objectives and circumstances. Keep in mind that investing involves risk including the risk of loss of the entire investment.