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TD Direct Investing Accounts

Explore all account types Self-Directed Cash Account Self-Directed First Home Savings Account Self-Directed Tax-Free Savings Account Self-Directed Registered Retirement Savings Plan Self-Directed Margin Account Self-Directed Active Trader Margin Account

TD Easy TradeTM Accounts

Explore all account types TD Easy Trade Self-Directed Cash Account TD Easy Trade Self-Directed Tax-Free Savings Account TD Easy Trade Self-Directed Registered Retirement Savings Plan TD Easy Trade Self-Directed First Home Savings Account

Trading Platforms

Explore all trading platforms WebBroker TD app Advanced Dashboard TD Active Trader TD Easy TradeTM app Telephone Services

Investment Types

Explore all investment types Stocks or Equities Exchange Traded Funds Cryptocurrency ETF Mutual Funds for self-directed investors Fixed Income Investments Options Invest with a Wealth Advisor Go Back Invest with a Wealth Advisor Close

Investing Options

TD Wealth Financial Planning TD Wealth Private Wealth Management Services Investment Management Estate and Will Planning TD Wealth Private Banking Private Giving Foundation

Wealth Advice For

Business Owners Healthcare Professionals 2SLGBTQ+ Women

Common Questions

What is Private Wealth Management? What does a financial planner do? How is private banking different from wealth management?

Featured

Everyday tax strategies for Canadians: 5 things to get right

Tax strategies everyone should look into.

Read now

Invest with a Personal Banker Learn Go Back Learn Close

TD Direct Investing Resources

TD Direct Investing Articles TD Direct Investing Education TD Direct Investing Index Markets and research Moneytalk news and views

TD Wealth Learning Resources

Explore all resources How to be retirement ready at any age Considerations when updating or creating a will What is a trust? What is a probate? A guide to understand an executor’s responsibilities

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Your story matters

In their own words, clients tell how their TD Wealth advisors provided solutions to help achieve what truly mattered.

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Grow with us

Find an advisor TD Wealth Private Wealth Management\r\n"}}" id="text-74a64d29cd" class="cmp-text"> TD Wealth Private Wealth Management To thrive in all aspects of your financial life, we believe you must have a comprehensive plan. Our advisors can design a tailored wealth plan that helps you build, preserve, and share your wealth as you see fit. Our balanced approach to managing your finances is carefully crafted with your goals and complex needs in mind.

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To thrive in all aspects of your financial life, we believe you must have a comprehensive plan. Our advisors can design a tailored wealth plan that helps you build, preserve, and share your wealth as you see fit. Our balanced approach to managing your finances is carefully crafted with your goals and complex needs in mind.

Key financial services to drive your success\r\n"}}" id="text-22df9ef028" class="cmp-text"> Key financial services to drive your success

Wealth Planning

Investment management

Estate planning and trust services

Tax planning and strategies

Building wealth starts with a solid plan\r\n"}}" id="az77" class="cmp-text"> Building wealth starts with a solid plan

TD Wealth advisors include key steps in wealth planning. They help:

Assess your current financial situation Define your financial goals and propose strategies to achieve them Monitor and adjust your wealth plan when needed

Using tools and valuable insights, TD Wealth advisors:

Look for potential financial risks that may arise and ways to mitigate them Stay on top of market changes to ensure you're maximizing opportunities Have your money work for you\r\n"}}" id="az77" class="cmp-text"> Have your money work for you

Relieve the stress that can come with investing and work with your TD Wealth advisor to:

Construct a portfolio that aligns with your goals, risk tolerance, and timelines Manage potential risks by creating a diversified portfolio Adjust your investments as your objectives or the market changes

TD Wealth advisors can help you achieve broader financial goals such as:

Protecting your assets from potential risks Giving to charity and optimizing your taxes Planning the retirement that you dream about Explore Investment Management

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Explore Investment Management

Leave a legacy\r\n"}}" id="az77" class="cmp-text"> Leave a legacy

It takes meticulous planning to pass on your assets in the most tax-efficient way. TD Wealth advisors can:

Guide you on the legal documents needed to transfer wealth easily Advise on how trust services can benefit you and your heirs Provide strategies to help safeguard assets and potentially minimize estate taxes

 

Explore estate and will planning

Setting up trust services requires the help of knowledgeable professionals. TD Wealth advisors can help:

Define the terms of the trust based on your guidance Manage the trust in the best interest of the beneficiary Distribute and administer the trust according to the terms Preserve your wealth with tax-efficient strategies\r\n"}}" id="az112" class="cmp-text"> Preserve your wealth with tax-efficient strategies

TD Wealth advisors will:

Stay on top of tax legislation to ensure you don't miss opportunities of reducing tax liability  Recommend investment accounts that defer taxes to help save for retirement and other expenses Provide insights into structuring activities to help minimize taxes

Some strategies TD Wealth advisors use to reduce taxes on income are:

Income splitting, where a household has varying incomes Optimizing charitable giving and taking advantage of deductions Opening tax-free accounts to cover specific expenses, like Health Savings Accounts Support can be a catalyst for financial success\r\n"}}" id="az80" class="cmp-text"> Support can be a catalyst for financial success Crystal – Dreaming without constraint

A lawyer turned franchise owner, turned to TD Wealth for advice along the way.

Video length: 1 min 55 s

Play Video Jenna, Santana & Cody – Family succession

See how TD Wealth helps transition a family business from one generation to the next.

Video length: 1 min 32 s

Play video Hank, Janice & Eldon – Growing opportunity

TD customers for over 50 years, a farming family relies on TD Wealth for financial advice.

Video length: 1 min 47 s

Play video Liz and Michael - Building a Good Life

As life and finances became more complex, their trusted TD Wealth team helped Liz and Michael move forward.

Video length: 1 min 47 s

Play Video Jessica - Advice to Live By

TD Wealth gave Jessica the support she needed to invest for the future AND enjoy life with her family now.

Video length: 1 min 35 s

Play video Janique - A Coach by Your Side

Janique relies on financial advice from TD Wealth to help guide her through a difficult setback.

Video length: 2 min 05 s

Play video Lynn - The Gift of Planning

After Lynn lost her father, advice and support from her TD Wealth advisor helped make a difficult life experience easier.

Video length: 2 min 03 s

Play Video Karl – More is Possible

Karl’s TD Wealth team helped to create a clear path so life after retirement could be everything he imagined.

Video length: 1 min 34 s

Play Video Rob & Robin – Living the Dream

Opening a record store was Rob and Robin’s dream and having a TD Wealth advisor to guide them made it a reality.

Video length: 1 min 34 s

Play video Polly – Moving forward with the right financial plan

When the unthinkable happened, Polly took charge of her finances with the support of her TD Wealth advisor.

Video length: 1 min 41 s

Play video Nick and Justina – Putting finances into perspective

Business owners team up with their TD Wealth advisor to identify their family's priorities and plan for them.

Video length: 1 min 38 s

Play video Tim – Making sure Patty's legacy lives on

After a life-altering event, Tim created a lasting legacy for his wife with help from his TD Wealth advisor.

Video length: 1 min 19 s

Play video Steve and Lee-Ann - Creating a personalized financial plan to retire early

Steve and Lee-Ann discovered new possibilities, like early retirement, with advice from their TD Wealth advisor.

Video length: 1 min 30 s

Play video Crystal – Dreaming without constraint Play Video Jenna, Santana & Cody – Family succession Play video Hank, Janice & Eldon – Growing opportunity Play video Liz and Michael - Building a Good Life Play Video Jessica - Advice to Live By Play video Janique - A Coach by Your Side Play video Lynn - The Gift of Planning Play Video Karl – More is Possible Play Video Rob & Robin – Living the Dream Play video Polly – Moving forward with the right financial plan Play video Nick and Justina – Putting finances into perspective Play video Tim – Making sure Patty's legacy lives on Play video

Steve and Lee-Ann – Creating a personalized financial plan to retire early

Play video of videos Achieve what matters with forward-thinking advisors\r\n"}}" id="az70" class="cmp-text"> Achieve what matters with forward-thinking advisors Our advisors can bring clarity to questions you may have and provide insights on topics you may not be aware of.  

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Our advisors can bring clarity to questions you may have and provide insights on topics you may not be aware of.  

Request a call Solutions to ignite your success\r\n"}}" id="text-cfa9c04fc6" class="cmp-text"> Solutions to ignite your success

TD Wealth Private Banking

Get exclusive benefits and personalized support from our Private Bankers.

TD Wealth Family Office

Work with our advisors to develop practical solutions for challenges you may face as an ultra-high-net-worth client.

Private Giving Foundation

Experience the gratification of leaving an unforgettable legacy. Get help integrating giving into your wealth plan.

TD Wealth Private Investment Advice 

Work with an advisor to guide your investment decisions or delegate daily investment management to an investment professional who will oversee your portfolio.

TD Wealth Private Trust

Have confidence knowing that we're overseeing and administering your trusts within the parameters you've outlined.

What to expect when working with us\r\n"}}" id="az152" class="cmp-text"> What to expect when working with us Initial discovery

Our in-depth discovery process focuses on understanding your priorities and goals in order to better support them.

Seamless onboarding

Your TD Wealth advisor will help you transfer funds and structure your investment portfolio through step-by-step onboarding.

Personalized strategies

Get holistic wealth management strategies tailored to your goals with exceptional investment management expertise.

Proactive reviews

Get curated insights, timely updates, and regular reviews of progress towards your goals and adjust as your needs evolve.

Frequently asked questions\r\n"}}" id="az118" class="cmp-text"> Frequently asked questions What is Private Wealth Management? Private Wealth Management is a comprehensive and tailored approach to managing the finances of high-net-worth individuals. It incorporates wealth planning, investment management, private banking, estate and trust planning, philanthropy and more. Advisors work closely with clients to build a financial roadmap that helps them achieve their short- and long-term goals.

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Private Wealth Management is a comprehensive and tailored approach to managing the finances of high-net-worth individuals. It incorporates wealth planning, investment management, private banking, estate and trust planning, philanthropy and more. Advisors work closely with clients to build a financial roadmap that helps them achieve their short- and long-term goals.

How can a TD Wealth advisor help me? A TD Wealth advisor can design a plan to help you meet your financial goals. They'll coordinate with other TD Specialists to ensure they cover the key aspects of your finances, including financial planning, retirement, estate and tax planning, investment management, and more.  

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A TD Wealth advisor can design a plan to help you meet your financial goals. They'll coordinate with other TD Specialists to ensure they cover the key aspects of your finances, including financial planning, retirement, estate and tax planning, investment management, and more.  

What are the minimum assets required to qualify for Private Wealth Management? The minimum requirement for Private Wealth Management is $1,000,000 CDN in investable assets.

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The minimum requirement for Private Wealth Management is $1,000,000 CDN in investable assets.

What should I expect when I first meet with a TD Wealth advisor? When you meet your advisor, expect to have a detailed conversation about your finances, wealth goals, and priorities. The more you share, the more comprehensive your plan will be.

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When you meet your advisor, expect to have a detailed conversation about your finances, wealth goals, and priorities. The more you share, the more comprehensive your plan will be.

How do I get started? First, think about what you want to achieve and when you want to achieve it, then find an advisor.

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First, think about what you want to achieve and when you want to achieve it, then find an advisor.

More Private Wealth Management topics\r\n"}}" id="ab23" class="cmp-text"> More Private Wealth Management topics How family businesses can manage wealth goals

Managing and passing on wealth can be complex. Learn how open communication, proper estate planning, and professional help can simplify the process.

Tax strategies for high-net-worth individuals

Here are strategies high-net-worth individuals can use to help reduce their tax liability. Consider which of these advanced strategies apply to you.

Successfully passing on the family home

This discussion covers common questions about passing on property to children and reveals some potential complications that can arise.

Find more content on this and a variety of other wealth topics\r\n"}}" id="text-bc0fc577db" class="cmp-text"> Find more content on this and a variety of other wealth topics Browse wealth topics Are you ready to meet an advisor?\r\n"}}" id="a52" class="cmp-text"> Are you ready to meet an advisor? Call us

Let a TD representative guide you toward an advisor.

1-844-788-0322 1-844-788-0322 Find an advisor online

Find an advisor online by just answering a few questions.

Find an advisor Have us call you

Request a call from a TD representative to answer your questions at a time that suits you.

Request a call The TD Wealth Advantage is how we help you reach your financial goals. It starts with exceptional service from top-tier advisors.

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The TD Wealth Advantage is how we help you reach your financial goals. It starts with exceptional service from top-tier advisors.

View the TD Waterhouse Canada Inc. (TDWCI) Best Execution and Fair Pricing Client Disclosure Document to learn how TDWCI seeks to provide best execution and fair pricing for client orders.

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View the TD Waterhouse Canada Inc. (TDWCI) Best Execution and Fair Pricing Client Disclosure Document to learn how TDWCI seeks to provide best execution and fair pricing for client orders.

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Legal

Accessibility Commitment

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Accessibility Commitment

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Get in touch

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TD Wealth Investing Options 

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Wealth Advice For 

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          CIRO Advisor Report                                             

See you in a bit\r\n"}}" id="text-06fc3f0c09" class="cmp-text"> See you in a bit You are now leaving our website and entering a third-party website over which we have no control.

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You are now leaving our website and entering a third-party website over which we have no control.

Continue to Site Back to TD Bank TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

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Third-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.
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TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

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1 TD Wealth Family Office refers to select individuals who offer specialized family office services within TD Wealth businesses. TD Wealth represents the products and services offered by TD Waterhouse Canada Inc. and TD Wealth Private Trust (offered by The Canada Trust Company).

TD Wealth Commitment to Accessibility and Multi-Year Accessibility Plan

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This TD Wealth Commitment to Accessibility and Multi-Year Accessibility Plan (the "Plan") applies to TD Waterhouse Insurance Services Inc. and TD Waterhouse Canada Inc., including its divisions, TD Direct Investing (including TD Easy Trade™, which is a service of TD Direct Investing), TD Wealth Financial Planning (including TD Wealth Financial Planning Direct, which is a service of TD Wealth Financial Planning) and TD Wealth Private Investment Advice (collectively, "TD Wealth").

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Commitment to Accessibility
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TD Wealth is committed to ensuring that every employee and client receives equitable treatment with respect to employment and services, without discrimination, and receives accommodation in compliance with legal and regulatory requirements.

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Through progressive policies, communication and training, accommodation measures and recruitment practices, TD Wealth strives to provide a fully inclusive, barrier-free environment.

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TD Wealth is dedicated to creating a welcoming, fair, and inclusive environment for TD Wealth clients and employees.

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Our Plan is aligned with the TD Bank Group Accessibility Policy (Canada).

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Additional information is available on the Accessibility at TD: Meeting Customer Needs website.

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TD Wealth Multi-year Accessibility Plan 2025-2030

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TD Wealth has established this Plan which outlines our strategy to prevent and remove barriers to meeting the accessibility needs of people with disabilities. The Plan is reviewed and updated at least once every five years.

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The Plan is available in an accessible format upon request.

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Accessibility Policies

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Diversity and inclusiveness play a big part in TD Wealth's corporate responsibility model. TD Wealth is committed to being a welcoming place for all our clients and employees. Although TD Wealth has implemented policies and processes relating to accessibility for our clients and employees, we are committed to reviewing these policies and enhancing them as circumstances evolve.

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The TD Wealth Accessibility Policy (Canada) is available upon request and can be made available in an accessible format. 

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Communicating with people with disabilities and Accessible Formats

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TD Wealth is committed to creating, providing and receiving information and communications with people with disabilities in ways that consider their disability.

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TD Wealth is committed to providing clients with the choice of document format that best suits the client's needs.

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Upon request, clients can receive documentation in formats designed for the visually impaired. These alternative formats include, but are not limited to, braille, large format and audio recording.

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TD Wealth will record the format preference and send future documentation or communication in the format desired on a best effort basis.

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Assistive Devices

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TD Wealth is committed to serving people with disabilities who use assistive devices to obtain or use our products and services.

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TD Wealth provides training for all employees regarding the availability of assistive devices and how they may access information about assistive technologies.

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Use of service animals and support persons

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People with disabilities may bring a service animal onto public TD Wealth premises. TD Wealth provides training for all employees, contractors, volunteers, and others who represent TD Wealth regarding how to interact with people with disabilities who are accompanied by a service animal.

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Any person with a disability who is accompanied by a support person (e.g. sign language interpreter, attendant, etc.) will be allowed to enter TD Wealth premises that are open to the public with their support person. At no time will a person with a disability be prevented from accessing their support person while on TD Wealth premises.

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In situations where TD Wealth has obligations under privacy laws or has issues of confidentiality, a support person may be requested to agree to the requirements of service just as the person with the disability does.

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When support persons are required for meetings, consultations, or other events, we will work together with the person with the disability to meet their needs.

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Feedback process

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If you have feedback on our accessibility efforts or would like to request a copy of the Policy or the Plan, please contact us:

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Mailing address: Accessibility at TD, Accessibility Office, P.O. Box 1, Toronto-Dominion Centre, Toronto, Ontario M5K 1A2

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Toll-Free: 1-833-316-3554

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Teletypewriter (TTY): 1-800-361-1180

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Video Relay Service: 1-844-229-0787 (ASL)

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Email: accessibility@td.com

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Any complaints received via feedback will be reviewed and addressed in accordance with TD Wealth complaint handling protocols.

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TD Wealth will continue to ensure that our process for receiving and responding to feedback is accessible to people with disabilities by providing, or arranging for the provision of, accessible formats and communication supports, upon request.

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Accessible Websites and Web Content

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TD Wealth will make websites and web content accessible to people with disabilities by conforming to the international standards of the World Wide Web Consortium Web Content Accessibility Guidelines (WCAG).

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TD Wealth websites and web content will be compliant with the expectations and timelines under applicable legal and regulatory requirements.

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Temporary disruptions

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In the event of a planned or unexpected disruption in facilities or services, TD Wealth will provide information about the reason for the disruption, how long it is expected to last, and a description of any alternative facilities or services available (where applicable).

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Training

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TD Wealth will provide accessibility training focused on the provision of products and services to our clients.

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Training will also be provided to employees involved in the development of policies, practices, and procedures regarding the provision of products and services.

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Training will be provided to each person as soon as possible after they are assigned applicable duties.

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TD Wealth Commitment to Accessibility and Multi-Year Accessibility Plan

This TD Wealth Commitment to Accessibility and Multi-Year Accessibility Plan (the "Plan") applies to TD Waterhouse Insurance Services Inc. and TD Waterhouse Canada Inc., including its divisions, TD Direct Investing (including TD Easy Trade™, which is a service of TD Direct Investing), TD Wealth Financial Planning (including TD Wealth Financial Planning Direct, which is a service of TD Wealth Financial Planning) and TD Wealth Private Investment Advice (collectively, "TD Wealth").

Commitment to Accessibility

TD Wealth is committed to ensuring that every employee and client receives equitable treatment with respect to employment and services, without discrimination, and receives accommodation in compliance with legal and regulatory requirements.

Through progressive policies, communication and training, accommodation measures and recruitment practices, TD Wealth strives to provide a fully inclusive, barrier-free environment.

TD Wealth is dedicated to creating a welcoming, fair, and inclusive environment for TD Wealth clients and employees.

Our Plan is aligned with the TD Bank Group Accessibility Policy (Canada).

Additional information is available on the Accessibility at TD: Meeting Customer Needs website.

TD Wealth Multi-year Accessibility Plan 2025-2030

TD Wealth has established this Plan which outlines our strategy to prevent and remove barriers to meeting the accessibility needs of people with disabilities. The Plan is reviewed and updated at least once every five years.

The Plan is available in an accessible format upon request.

Accessibility Policies

Diversity and inclusiveness play a big part in TD Wealth's corporate responsibility model. TD Wealth is committed to being a welcoming place for all our clients and employees. Although TD Wealth has implemented policies and processes relating to accessibility for our clients and employees, we are committed to reviewing these policies and enhancing them as circumstances evolve.

The TD Wealth Accessibility Policy (Canada) is available upon request and can be made available in an accessible format. 

Communicating with people with disabilities and Accessible Formats

TD Wealth is committed to creating, providing and receiving information and communications with people with disabilities in ways that consider their disability.

TD Wealth is committed to providing clients with the choice of document format that best suits the client's needs.

Upon request, clients can receive documentation in formats designed for the visually impaired. These alternative formats include, but are not limited to, braille, large format and audio recording.

TD Wealth will record the format preference and send future documentation or communication in the format desired on a best effort basis.

Assistive Devices

TD Wealth is committed to serving people with disabilities who use assistive devices to obtain or use our products and services.

TD Wealth provides training for all employees regarding the availability of assistive devices and how they may access information about assistive technologies.

Use of service animals and support persons

People with disabilities may bring a service animal onto public TD Wealth premises. TD Wealth provides training for all employees, contractors, volunteers, and others who represent TD Wealth regarding how to interact with people with disabilities who are accompanied by a service animal.

Any person with a disability who is accompanied by a support person (e.g. sign language interpreter, attendant, etc.) will be allowed to enter TD Wealth premises that are open to the public with their support person. At no time will a person with a disability be prevented from accessing their support person while on TD Wealth premises.

In situations where TD Wealth has obligations under privacy laws or has issues of confidentiality, a support person may be requested to agree to the requirements of service just as the person with the disability does.

When support persons are required for meetings, consultations, or other events, we will work together with the person with the disability to meet their needs.

Feedback process

If you have feedback on our accessibility efforts or would like to request a copy of the Policy or the Plan, please contact us:

Mailing address: Accessibility at TD, Accessibility Office, P.O. Box 1, Toronto-Dominion Centre, Toronto, Ontario M5K 1A2

Toll-Free: 1-833-316-3554

Teletypewriter (TTY): 1-800-361-1180

Video Relay Service: 1-844-229-0787 (ASL)

Email: accessibility@td.com

Any complaints received via feedback will be reviewed and addressed in accordance with TD Wealth complaint handling protocols.

TD Wealth will continue to ensure that our process for receiving and responding to feedback is accessible to people with disabilities by providing, or arranging for the provision of, accessible formats and communication supports, upon request.

Accessible Websites and Web Content

TD Wealth will make websites and web content accessible to people with disabilities by conforming to the international standards of the World Wide Web Consortium Web Content Accessibility Guidelines (WCAG).

TD Wealth websites and web content will be compliant with the expectations and timelines under applicable legal and regulatory requirements.

Temporary disruptions

In the event of a planned or unexpected disruption in facilities or services, TD Wealth will provide information about the reason for the disruption, how long it is expected to last, and a description of any alternative facilities or services available (where applicable).

Training

TD Wealth will provide accessibility training focused on the provision of products and services to our clients.

Training will also be provided to employees involved in the development of policies, practices, and procedures regarding the provision of products and services.

Training will be provided to each person as soon as possible after they are assigned applicable duties.

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Janice: Farming has become a big business, just keeps growing, and then your kids are involved. You need financial backing. 

Janice: We've been married for 51.5 years, and we farmed together with Hank's  brothers and his dad until 1990. And we did with our kids. 
 
Eldon: Farm life was the good life as a kid. Learned hard work and the values that go with that. 
 
Hank: Yeah, farming was in my heart, but definitely lots of things changed tremendously from when I farmed with dad. We  increased the size of our farm with steps we knew we could handle. My dad always said, walk but don't run. 
 
Janice: But, let’s face it, we don't understand a lot of the investment part of it. We rely on TD Wealth because farming has become such a big business. 
 
Hank: Been there with TD for well over 50 years. We have an account manager in Agricultural Banking that we work with. She knows our farm. She knows the boys.

Eldon: Especially in a smaller community, you get to know them in a more personal level. 
 
Janice: Good advice from our TD Wealth advisor allows us to, first and foremost, not fret about if you’re doing the right thing. 
 
Eldon: It’s the value of knowing where you’re at financially and trying to make prudent decisions. You look for expansion and growth. And we've had those opportunities with TD. 
 
Hank: I think there's a good opportunity for the next generation. 
 
Janice: We have three boys and one girl. Basically we’re working toward setting them up. That's kind of what you live for. I mean, you work for your kids and grandkids to give them a good start.

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Crystal: 

It's terrifying to leave a stable career for a riskier dream.

Being raised by a single mom, we didn't come from a lot of money, but I had a very happy childhood. We always found opportunities to go out and celebrate small milestones. We would go to this fast food restaurant. It was affordable and a lot of my happiest core memories were made there. 
 
I think that's where my childhood dream of owning a fast food franchise started. But, I first spent over ten years as a lawyer, chasing a career and stable income. But my heart wasn't in it. 
Starting a fast food franchise was incredibly overwhelming. You just hit the ground running with a million different things needing your attention. And that’s where TD Commercial Banking and TD Wealth came in to help me.

If you start off with a good team around you, a lot of things that seemed impossible at the beginning turns out to be very much within the realm of possibility.

Good advice is like interest, I feel like it grows, it compounds. 
 
TD Wealth wasn’t just helping me with my immediate needs, but they were paying attention in helping me think ahead to 5 years, 10 years, 20 years down the road.

I felt seen as a whole person and not just my business or my investments. They understood my motivations so much that they could actually predict what would be the most helpful for my business and my family’s future.  
 
I never lose sight of the sacrifices that my mom made in order for me to be able to do what I do today. Everything she did was so that I could dream without constraint. And when I think about success, whatever that is, I don't think of it as just mine. I really think of it as ours.

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[Jenna]: Dad's dream was always for us to take over the family business, but they didn't know where to start.

[Cody]: My father was born in Italy, but he migrated here with his family in the 50s with not much money. Their first house, no running water. So he knew what it was like to stress about money. 
 
[Jenna]: When my dad was 18, he left home. He had $30 in his pocket, and he really had a drive to succeed. 
 
[Santana]: A few years later, he built a successful real estate company with his brothers. 
 
[Cody]: My sisters and I grew up eating, breathing and living real estate. It was always a part of us.

[Jenna]: Our father always dreamed that we would take over the business. 
 
[Cody]: Which is a multi-year thing. It can be very complex. There's a lot you don't know, so you need to consult the right people. And TD makes it easier. Whether it's investment advice through TD Wealth or business support through TD Commercial Banking. 
 
[Santana]: TD has many different specialists for your finances, your wealth, your future planning. 
 
[Cody]: With succession planning, there's a lot of moving pieces, and having TD Wealth there made it such a relief because they can answer all of our questions and help us through the process.  
 
[Santana]: They know our business, but they also know us individually. They feel like family and I think that's what makes TD different. TD Wealth and Campanale. We make a powerful team all together. 
 
[Jenna]: And now, with all their advice, we finally feel ready. Dad has seen that. He has the confidence in us to continue through with his legacy.

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NICK:    I’m always stressing about money. It’s like everybody, same story – you want to provide for your family.

NICK:        I still don’t see myself as a businessman. You know, I like to get my hands dirty, so I’m always kind of in the mix there.

JUSTINA:    It makes me laugh when he says. “I’m not a businessman, what do I know?” He’s got a successful business that he’s been running for almost 20 years now.

NICK:        But in the beginning it was tough.

JUSTINA:    When he was struggling, I would have the stable paycheck.

NICK:        If she wasn’t there, I don’t know where I’d be right now. Or even the family.

NICK:    Being a business owner, money was always tight. I never felt comfortable. For me it's just the worry of not having. Where I can’t put food on the table or provide because there might be a hiccup down the road that you don’t see.

JUSTINA:        We needed someone that was focused on us, and focused on our priorities. We actually talked to our TD Commercial Representative. She guided us to our TD Wealth Advisor, Natasha. She told us upfront "We’re going to have a lot of stuff to work through together but here’s the plan. Here’s your vacation account, here’s the kids education account."

NICK:    Natasha finally put it into perspective.

JUSTINA:        She always aligned with our goals and keeping us on track.

NICK:   That’s when I started to feel comfortable. I felt like ok maybe I could take a day off, take a half day off. You know, enjoy these moments because, you know, it’s just not all about work. As I get older I take a step back and see how fortunate I am. It’s about the comfort of knowing you’re okay, and your kids will be okay.

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POLLY:  When I look back in my life, doesn't matter what kind of situation I was in, I don’t give up.

I came from India with a Master’s Degree in 1987. But the reality was very different than my dreams. I got a job in the factory. There was no other choice. I had done like two jobs even, so I was working, like, 7 days a week.

But then I was determined, okay you know, this is not the place where I would stay. I need to go up.

Building a successful business with my husband was very tough. We worked hard together, you know.

But in 2005 my husband passed away. All my dreams, they were shattered. And those were the days I think I had no idea what to do.

I had two daughters, still the mortgage on the house. And now I was the single earner for the family. So security was a big thing for me. How to keep my money safe.

When I was introduced to Matt at TD Wealth, I felt he was knowledgeable.

The way Matt invested my funds – It made sense to me. Every single word that he said, it made sense to me.

He’s very open and honest when he gives you advice. If it’s not good for you, he tells you that too,

It’s a hard earned money. It should be looked after, where you have trust. Matt was the right fit for my family and for myself.

I want to be a role model for my daughters. They are my strength in every single moment.

It doesn’t matter what the situation is, you just move forward.

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LEE-ANN:    We’ve had a few detours in our life. We've really come to realize that the things that seem completely out of reach are not.

STEVE:        Lee-ann and I were 13 years old when we first met. Lee-ann was my first girlfriend I was her first boyfriend.

LEE-ANN:    I just remember Steve had very long hair. It was longer than mine.

STEVE:        And then my father decided we're going to move out to Alberta.

LEE-ANN:    35 years later we reconnected.

STEVE:        That was quite exciting when we actually met again. It came out of the blue -- the sparks were electric.

LEE-ANN:    It really is very cool marrying your best friend. And now it's coming time to retire.

STEVE:        We realized that we didn't have a true path to retirement, so we really needed some help with that. When we went to TD wealth, we met up with Jonathan.

LEE-ANN:    He really did open our eyes. He educated us. He was answering questions we didn't know we needed to ask.

STEVE:        He was exploring all the different options to get us to retire much earlier than we had expected. I had the assumption that it was going to be a decade before I could retire. And it’s just amazing that the timeline has changed to the summer. It's like newfound time. I figure we've gained a decade of youth…

[LEE-ANN:   Easy…]

STEVE:        …and we will love to travel we love to go see our families. And we love detours.

LEE-ANN:    Yeah… [Laughs]

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- [Liz] It's not just TD Wealth, it's all of TD. There's different layers and support systems, and I like how they all communicate with each other.

- [Liz] Michael and I have been TD customers our entire life.

- [Michael] We both remember starting with TD, and we had the little TD Passbook.

- [Liz] When we got married, Michael just completed his first year of medicine and I am now in the family business.

- [Michael] We got to a point where we're comfortable. I had a good job, her business was successful.

- [Liz] We built a good life and we have two beautiful daughters. So we're really fortunate.

- [Michael] As things changed for us and we got older, things became much more complicated. My wife was getting close to selling her business. We were really actively engaging with her estate planning we started our foundation, and we needed more financial advice to navigate that. When Darrell and Cedric at TD Wealth came in, they really helped us look at things a little bit differently.

-[Liz] : They would reach out to me, "Okay, this is what it's gonna look like in 10 years, 20 years, 30 years." They've allowed us a sense of ease.

- [Michael] : A door opened and it was the sunlight came, and it was like "Ahhhh!" It was very eye-opening to the variety of things you can do. So it gave us a much better understanding of all the different ways to navigate your finances.

- [Liz] : I always feel safe and comfortable, and I trust what they're telling me. When I think about the future for our daughters, we are there to help them, but we also have great people around us at TD to help them as well.

- [Michael] : It's more than just a bank. The relationship we have with Darrell and Cedric at TD Wealth, it's just more.

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TIM:  I needed to make sure that she wouldn’t be forgotten, and to give something back.

Patty taught at the University Alberta for 27 years as a clinical instructor.

Patty loved her students.

She would work evenings and weekends to make sure that there's nobody left out and everybody got a fair chance.

Then my wife contracted ovarian cancer, and when she passed away that was a game changer.

I didn't realize at the time how well my wife was loved by her students and colleagues.

So I reached out to Corina at TD wealth and we set a plan together, and we came up with private giving, and we set something up to get the scholarship in the name of my wife.

We've been very fortunate with TD Wealth to understand the complexities of estate planning and look at possibilities to do amazing things.

For me, that's giving something back to students, so there's a little bit of Patty in all of them.

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Lynn:

People don't always know what to do when someone passes. Planning is a true gift.

My father always wanted to be seen as a positive person, not the sick person. No one wants to talk about the end of their life. 

We spent many hours in his garage shelling lobster. At those times, we were able to talk a lot. My father was the type of person that always needed a safe space to talk about important things. 

His TD Wealth office was one of those safe spaces to talk. 

My stepmother was diagnosed with dementia. Dad ended up becoming a caregiver when he was unwell himself. His biggest concern was what was going to happen to his wife when he was gone. 

Mike at TD Wealth gave my father the guidance that he needed to be comfortable. It gave him the power and support that he needed to do his planning. 

TD Wealth made him feel special and like he may have been their only client. 

At the end of my father's life, once he was gone, being in the role of power of attorney and the executor, there was a lot to do. 

I had a call from Mike at the TD office, and he was so supportive and it became more like a friend calling. Meant the world. 

When I went into the office, it was explained to me what the documents meant, where the investment sits now and where we go forward. 

My father made sure that everything was in place, I wasn't guessing, and it was truly like a last gift. 

That is the gift that we can all give, how to plan for the people that are left behind. People think it's very difficult, and it is not, they make it as easy as possible. 

It's a privilege to be able to help my dad to fulfill his wishes that he had in his heart.

 

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Janique: 

I think when you're alone, you doubt yourself. You need a coach.

When I was little, I had a dream. I said, “Dad, I want to go to the Olympics.”

So my dad says, “There's a list. It starts here and it goes to there. Are you ready?” 

In 1984, I was selected for the Olympic ski team. But my dream didn't come true. Just before the Olympics, I injured my knee. And I remember watching the Olympics in my bed with my big cast on. 

I did so many years of physiotherapy. I know how hard you have to work. And I wanted to heal those athletes. I was like, Sports Physiotherapist would be my new dream. 

I started my own business. But again, I had a setback. After 25 years of marriage. I got divorced. and that put me deeply in debt. But like recovering from my injury, I said to myself, “I can make it happen. But I need guidance.”

That's when I met my TD Wealth advisor. 

You do need someone that you trust. Like your coach, he has to know what to say to you at the starting gate. And my TD Wealth advisor knew exactly what to say. 

He put all the numbers down and he showed me a plan. And the plan has to start there and it has to go up. But he said to me, “You have to work hard.” I'm like, “That's all I know.”

The advice I receive from my TD Wealth advisor made all the difference. I know now what to do. 

Today, I am a successful entrepreneur. I'm running my own business and I'm making a difference to all my patients. And I am back with the Canadian Freestyle Ski team as one of their physiotherapists.

What I've achieved today – this is my gold medal.

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Jessica:

Growing up, I absolutely thought money was taboo. I knew money was what my mom needed to pay the rent and to put food on the table, and that was it. 

When I was young, what I remember, is my mom being a single mother, even though she struggled, she never showed it. That is a big part of how my work ethic is developed. 

I have been selling real estate for just over 20 years now, it's been 20 years of go, go, go, go and save, save, save. 

But I think it's the way I grew up, it was passed on to me to continue to just work hard, that's what I should be doing, and you don't get a chance to play until later on. 

That's when I met our TD Wealth advisors, Louise and Ryan. They were asking the questions that we never asked ourselves. 

It was about what's gonna make this family happy? I just wanna experience life and make memories with my family now. 

They said, "Well, no, you could do that if you want to." They've showed us that we can enjoy life now and save for later.

It was an eye-opener. 

Twice a year I meet with my TD Wealth advisors and those meetings allow me to feel confident that we're on track. They're partners who are gonna look out for our family. I recognize how important that is. 

Money now gives me options. 

TD Wealth has allowed my husband and I to start to dream.

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KARL:

One of the things that makes people hesitate to retire is not having a clear path of moving from salary to savings.

There was a point in my corporate journey that I knew I was ready for retirement.

You do get to the point where you want to start doing something different – so you start thinking what that next step is.

What I envision for my retirement. Spend time with family. Spend more time golfing. And also spending some time using my experience to help give back to the community somehow.

You have your dream, but you don't always see the clear path in how you realize that, you know you need help.

You need professionals who have seen it before, have the expertise to be able to provide input.

My team at TD Wealth was able to help me realize that I can do this.

They are able to steer you. Able to affirm some of the things you were thinking about and making them doable, executable. And having that
reassurance and security is extremely important.

It’s good to have a plan and you can envision what the future looks like.

So now having the time to spend giving back, especially for the community, for kids, youth. My daughter, through her foundation, she has provided a vehicle for me to do that which is exciting.

Now that I’m retired and actually living my dream, it feels like so much more is possible.

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ROB: When I was younger, I dreamed of having a record store but I never thought this would ever happen.

ROB: Growing up, I spent a lot of time in the record stores. Going downtown and flipping through records. I always thought, this’d be a cool job to have.

ROBIN: When we started dating, I had 12 CDs and then y’know I think Rob had a thousand. We got to the part where we had the house, we had the kids, we both had great careers…

ROB: When we got to a point of retiring I thought, you know what, why don’t we open a record store? It’s a risk, but I think it’d be a lot of fun trying to take this journey and see where it takes us.

ROBIN: The one side is the passion to do it. The other side is overcoming the fear. We reached out to Nico, our TD Wealth Advisor, to talk to him about it.

ROB: A big part of having a TD Advisor is having someone that you do build up that trust. Life’s ever-changing and it’s knowing that there’s someone that we can call right away and give us good advice for our future plans.

ROBIN: I like the relationship that we have with him. Nico helped me to know that everything else is secure. He gave me comfort around the financial piece of it.

ROB: I think that was probably like the really reassuring part is knowing that someone is actively looking after our best interests and making sure that we’re taking opportunities but also managing it safely.

ROB: And I think at this stage in life, you don’t want to miss that one opportunity and fortunately we’ve had good people to help guide us along the way.

The more you and your advisor understand your Wealth PersonalityTM the closer you'll be to building a wealth plan that suits you and is more resilient to changes in the market.

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Investment Advisors can help you:

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The more you and your advisor understand your Wealth PersonalityTM the closer you'll be to building a wealth plan that suits you and is more resilient to changes in the market.

Investment Advisors can help you:

Design a portfolio that considers your goals, risk tolerance, and current financial position Create a comprehensive wealth solution by drawing on the expertise of other TD Specialists Stay informed about market conditions and the effect it could have on your investments
Leverage our extensive network of specialists including TD Asset Management Inc. to help increase your net worth. These seasoned advisors have earned the confidence of many customers due to their ability to navigate the financial landscape and the complexities that come with it.

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TD Wealth Private Investment Counsel can help you:
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Leverage our extensive network of specialists including TD Asset Management Inc. to help increase your net worth. These seasoned advisors have earned the confidence of many customers due to their ability to navigate the financial landscape and the complexities that come with it.

TD Wealth Private Investment Counsel can help you:

Develop a wealth plan based on your Wealth PersonalityTM 
Create a portfolio that considers broad asset allocation to help minimize risk
Stay on track with your goals by working closely with you and adjusting your plan when needed
You've worked hard to build your wealth, and so it's our priority to help you achieve your estate planning goals. We'll work with you to first understand your vision, then recommend the services that logically fit your needs.

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TD Wealth advisors can help:
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Examine why estate planning makes sense
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You've worked hard to build your wealth, and so it's our priority to help you achieve your estate planning goals. We'll work with you to first understand your vision, then recommend the services that logically fit your needs.

TD Wealth advisors can help:

Explain the legal documents that make up a comprehensive estate plan
Create a trust document based on your wishes
Manage and invest your assets to preserve and grow your trust benefit while minimizing your taxes
Look after the administrative work of distributing your assets the way you intended

Examine why estate planning makes sense