TD Automated Investing¹

Customer Relationship Summary ("Form CRS") (PDF)

TD Automated Investing and TD Automated Investing Plus Form ADV Part 2A Appendix 1 Wrap Fee Program Brochure (PDF)

FAQs—TD Automated Investing and TD Automated Investing Plus (PDF)

¹TD Automated Investing may not be suitable for all investors.  Please review the TD Automated Investing and TD Automated Investing Plus FAQs and the TD Automated Investing and TD Automated Investing Plus Form ADV Part 2A Appendix 1 Wrap Fee Program Brochure carefully before investing.

²An initial minimum deposit of $1,000 and a minimum balance of $900 is required to maintain a TDPCW Automated Investing account. The TD Automated Investing wrap fee is 0.30% of account balances including cash (subject to applicable discounts, promotions, adjustments, or waivers) paid on a quarterly basis. For TD Automated Investing accounts with balances of under $5,001, the minimum annual wrap fee is $15. The wrap fee does not include underlying fees and expenses charged by the exchange traded funds (ETFs) or mutual funds in your account. For additional fee details, see the TD Automated Investing and TD Automated Investing Plus Form ADV Part 2A Appendix 1 Wrap Fee Program Brochure. For ETF and mutual fund expenses, refer to the mutual fund prospectus – or ETF offering documents and the TD Automated Investing and TD Automated Investing Plus Form ADV Part 2A Appendix 1 Wrap Fee Program Brochure PDF.

³Recommendations are based solely on the responses you provide to our risk tolerance questions. Illustrations regarding our recommendations are hypothetical in nature and may not be relied upon as an indication of how your TD Automated Investing account will perform.  Images on the page are hypothetical and for informational purposes only. Screen images are simulated.

Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Past performance is not a guarantee of future results. Asset allocation/diversification does not guarantee a profit or protect against a loss.

TD Bank and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for tax, legal or accounting advice. You should consult your personal tax, legal and accounting advisors for advice before engaging in any transaction.

SECURITIES AND OTHER INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A BANK DEPOSIT; NOT FDIC INSURED; NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY TD BANK, N.A. OR ANY OF ITS AFFILIATES; AND, MAY BE SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF VALUE.

TD Automated Investing Offer 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, SIPC. TD Automated Investing ("TDAI") is a robo-advisory offering of TDPCW. After selecting a goal and completing a risk questionnaire, TDAI will use automated tools to recommend a portfolio of mutual funds and exchange traded funds (TD Strategic Portfolios) that are consistent with your risk profile. Because of the online digital nature of TDAI, the goal-based focus and the limited investment portfolios, TDAI may not be appropriate for all investors. TDPCW reserves the right to modify the terms and conditions with respect to any part of the offer or terminate this offer at any time.

This offer does not constitute a recommendation by TDPCW as to which, if any, account is appropriate for your personal situation.

Offer is valid only for individual clients who open and fund a new TDAI cash account, Traditional IRA account or Roth IRA account ("TDAI Account") with cash valued at a minimum of $1,000 or more in accordance with the eligibility requirements and restrictions below. The offer will apply to only one new TDAI Account. If you are opening more than one TDAI Account, the offer will apply to the eligible TDAI Account with the largest contribution.  

The offer expires on February 5, 2024

The offer is available exclusively for a new TDAI Account.   No other TD Bank, N.A. (TD Bank) depository account, investment management account or TDPCW advisory or brokerage account, including the TDAI Plus advisory offering, is eligible for this offer.

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.

The offer is only available by completing the TDAI application and funding a TDAI Account on the TDAI website or mobile app.

You may fund the new TDAI Account with cash in a TD Bank retail depository account or with cash from another US bank or other US financial institution. You cannot fund your account with securities. You may not transfer assets from an existing investment management account at TD Bank or an advisory or brokerage account TDPCW to fund this TDAI Account. 

The offer is only valid for TDAI Accounts that meet TDPCW's TDAI account opening requirements and are deemed "approved".

The TDAI Account must be funded with at least $1,000 to meet the TDAI qualifying account minimum within 30 calendar days of the TDAI Account approval.

The TDAI Account minimum balance of $1,000 must be maintained for 90 calendar days from the TDAI Account approval date ("Qualifying Period").  

The minimum balance ("Net Deposit Amount") is based on the total external deposits or transfers into the TDAI Account minus assets withdrawn or transferred out of the TDAI Account within the Qualifying Period, irrespective of any losses or gains due to trading or market fluctuations.  

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

The cash offer deposited into your TDAI Account will be subject to the TDAI wrap program investment advisory fees. More information about fees and expenses is available in the TD Automated Investing and TD Automated Investing Plus Form ADV Part 2A Appendix 1 Wrap Fee Program Brochure (PDF).

You can only participate in one TDAI Account offer during any 12-month calendar period.

The offer may be applied to only one new TDAI Account per individual.

The offer does not apply to jointly held accounts available through TDAI.

For TDAI Traditional IRA accounts and Roth IRA accounts:

A new TDAI Traditional IRA Account or Roth IRA account may not be funded by an ERISA Plan to IRA rollover.

The cash bonus award will be deposited into the new TDAI Traditional IRA account or new TDAI Roth IRA account and will be treated as earnings on that account.  As you take distributions from your TDAI IRA account, the distribution amounts will be reported to you on Form 1099-R. TDPCW and TDAI and its financial services professionals do not provide tax advice.

The value of the cash offer 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 offer. Please consult your own tax advisor if you have any questions about your personal tax situation.

TD Wealth is a business of TD Bank (FDIC insured). Banking, investment management and trust services are available through TD Bank. Securities and investment advisory services are available through TDPCW. TD Bank and TDPCW are affiliates. TD Bank and its affiliates and their employees do not provide legal, tax or accounting advice.