1. TD Wealth
Introducing
TD Wealth
Private Client Group
Helping you leverage the opportunities
and manage the challenges that come
with wealth.
SECURITIES AND INVESTMENTS
NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE
2. TD Wealth
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We believe…
• As your wealth grows, your needs become more complex
• Decisions regarding your wealth should be driven by your unique
goals and circumstances
• You are best served by an experienced team of professionals who
can work with you to develop a personalized wealth plan
• Regular collaboration with your team helps ensure your plan is
aligned with your life
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Agenda
What we will talk about today
1. What makes TD Bank Group different
2. About TD Wealth®
Private Client Group
3. Our unique approach and process
4. Our range of services
5. Next steps
4. TD Wealth
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The TD Story
TD Bank is a member of TD Bank
Group and a subsidiary of The Toronto-
Dominion Bank of Toronto, Canada, a
top 10 financial services company in
North America*
.
*Based on assets as of July 31, 2013 (for Canadian peers) and September 30, 2013 (for U.S. peers).
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The TD Story
About us
TD Bank and its subsidiaries provide Clients with customized wealth management
solutions through TD Wealth.
We offer a broad array of retail, small business and commercial banking products and
services to more than 8 million Customers through our extensive network of nearly
1,300 retail Stores located from Maine to Florida.
TD Bank1.2
Total Assets $232 billion
Total Deposits $191 billion
Total Loans $105 billion (Commercial – $51 billion/Personal – $54 billion)
1 TD Bank refers to the U.S. Personal and Commercial Banking business segment of TD Bank Group.
2 For the purpose of this document, Total Assets are shown in U.S. dollars based on an exchange rate of 1.0427 as of October 31, 2013. Total
Deposits and Total Loans reported are averages for the fourth quarter ended October 31, 2013. Total Loans include personal and business loans,
but do not include debt securities classified as loans. Total Deposits include personal and business deposits as well as the insured deposit account
(IDA) agreement with TD Ameritrade.
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About TD Wealth Private Client Group
We serve high net worth individuals and institutions.
We deliver comprehensive, integrated wealth
management strategies focused on your
financial needs with legendary TD service.
You will receive the highest level of relationship
banking to help gather, grow, safeguard
and transfer your assets.
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Our Approach
We begin by understanding you
The Private Client Group’s approach is highly
personal and comprehensive.
We take time to get to know you – it is an essential
first step in creating a personalized wealth strategy.
Defining your goals and establishing your priorities
are key to creating a strategy tailored for you.
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We are holistic and consultative
• Understanding – We take the time to understand
your needs, goals, dreams and aspirations.
• Confirmation – We summarize our understanding
of your financial priorities to make sure you are in
agreement.
• Determine Strategy – Our experienced team
works together to develop a personal strategy
that is designed to meet your unique goals.
• Present Strategy – In consultation with you we
review and finalize your investment strategy.
• Implement Strategies – Based on your
agreement, we put your strategy into action.
• Manage and Review – We monitor the progress
of your strategy and adjust your plan when you
advise us that your needs have changed.
Understanding
Confirmation
Determine
Strategies
Present
Strategies
Implement
Strategies
Regular
Manage
and Review
Our ApproachOur Approach
We are holistic and consultative
• Understanding – We take the time to understand your
needs, goals, dreams and aspirations.
• Confirmation – We summarize our understanding
of your financial priorities to make sure you are
in agreement.
• Determine Strategy – Our experienced team works
together to develop a personal strategy designed to
meet your unique goals.
• Present Strategy – In consultation with you we
review and finalize your investment strategy.
• Implement Strategies – Based on your agreement,
we put your strategy into action.
• Manage and Review – We will review the progress of your strategy
with you and adjust your plan when you advise us that your needs have changed.
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Purchase
additional
property
Create a
legacy
Attain
desired
lifestyle in
retirement
Care for
aging parents
Transition
business
Fund
children’s
education
We will draw on our breadth of
expertise to provide an integrated
strategy. mix
We’ll design a strategy to support your goals
Our Approach
Home
Family
Work
Well
being
Lifestyle
Legacy
YOU
Our guiding principles:
• Focus on your unique goals
• Invest over the long term
• Diversify to provide the
appropriate investment mix
Our Approach
We’ll design a strategy to support your goals
We will draw on our breadth of expertise
to provide an integrated strategy mix.
Our guiding principles:
• Focus on your unique goals
• Invest over the long term
• Diversify to provide the
appropriate investment mix
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Our Approach
We put the team to work for you
• Relationship Manager
• Investment Advisor
• Credit and Lending specialists
• Trust and Estate planning professionals
At your request, we will consult with your
lawyers, accountants, tax advisor and other
professionals who work on your behalf. We
believe this coordinated approach achieves the
best long-term results for you and your family.
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Our Capabilities
Private Client Banking
Premium services to help you with your day-to-day banking needs:
• Private Tiered Checking and Private High Yield Savings
• TD’s exclusive First ClassSM
Visa Signature®
Credit Card*
• TD Bank Platinum Visa Debit Card
• Online Banking and Bill Pay available 24/7
• TD Bank mobile app for your smartphone
* Subject to credit approval.
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Our Capabilities
Credit and Lending
Your dedicated Relationship Manager is the liaison with our lending specialists, who can
assist with customized lending strategies for your personal, business, commercial and
specialty financing needs.
• Jumbo mortgages, a home equity loan or a home equity line of credit
• Secured and unsecured lines of credit
• Secured and unsecured term loans
• Specialty financing
• Commercial lending
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Our Capabilities
Investment Management strategies are
built around your unique goals
We are focused on your specific needs and take a long-term
view for your investment portfolio.
Through Private Client Group, you benefit from the skill,
knowledge and perspective of an experienced team of
investment professionals dedicated to helping you achieve
your unique goals.
We recognize as your life changes so do your needs. As such,
we will conduct periodic reviews to ensure your investments
maintain alignment with your changing needs.
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Our Capabilities
Investment Management
• TD Wealth’s investment management – We leverage TD Wealth’s investment
management strengths to bring you unique and relevant investment strategies.
• Disciplined approach that looks beyond returns – Our strategies
are focused on a disciplined and guided goals-based investment process.
• Global institutional money management – We provide you with access to the
investment strategies of globally prominent affiliated and non-affiliated managers.
• Consolidate your assets – Our platform enables the consolidation of your investment
assets with one wealth provider.
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Our Capabilities
Investment Management
• Professional portfolio management (discretionary investment management) – We
actively manage your portfolio on an regular basis and implement your investment plan
according to the best thinking of our investment team.
• Investing with professional guidance (non-discretionary investment services) –
Designed for Clients who wish to be more involved in the investment process.
• Brokerage services – We offer a full range of brokerage services to meet your needs.
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Our Capabilities
Constructing your portfolio
• Identify Goals – We begin by taking the time to
have an in-depth discovery conversation with you
to identify your unique circumstances and goals.
• Asset Allocation – Based on your investment
objectives and risk tolerance we determine the
appropriate combination of asset classes for
your investment portfolio.
• Investment Selection and Allocation – We
identify the appropriate investments for each asset
class to implement your investment strategy.
• Portfolio Review – We will have regular meetings and
consultations with you to review your portfolio and make
adjustments to your strategy as necessary to incorporate
changes in your goals and circumstances.
Client Goals
& Objectives
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Investment Capabilities
Our Services
TD Premier
Guided Portfolios
Separately Managed
Accounts
TD Guided Portfolios
Unified Managed
Account
TD Strategic
Portfolios
Mutual Fund
Account
TD Strategic Portfolios
A suite of investment portfolios designed for
clients seeking a long-term goals- based
driven approach to investment planning.
TD Guided Portfolios
Combines the investment expertise of
globally prominent asset managers in
multiple investment programs into
a single portfolio.
TD Premier Guided Portfolios
Access to a broader selection of
separately managed accounts, providing additional
customization for more sophisticated needs.
You
Our Capabilities
Investment Capabilities
• TD Strategic Portfolios – A suite of investment
portfolios designed for clients seeking a long-term
goals-based driven approach to investment planning.
• TD Guided Portfolios – Combines the
investment expertise of globally prominent
asset managers in multiple investment
programs into a single portfolio.
• TD Premier Guided Portfolios –
Access to a broader selection of
separately managed accounts, providing
additional customization.
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Investment manager search and selection
We offer the flexibility to customize your investment strategy
within a well-researched investment universe.
Before being added to our platform,
non-affiliated investment managers must
pass our stringent review process.
• Initial screening
• Quantitative research
• Qualitative research
Regular monitoring ensures that all managers
adhere to our stringent requirements, and
managers are dismissed as appropriate.
Our Services
Investment Manager Universe
Screen based on
selected categories
Quantitative
screen
Qualitative
review
Final
list
Our Capabilities
Investment Capabilities
We offer the flexibility to customize your investment
strategy within a well-researched investment universe.
Before being added to our platform, all investment
managers must pass our review process.
• Initial screening
• Quantitative research
• Qualitative research
Regular monitoring ensures that all managers adhere
to our requirements.
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Our Capabilities
Trust and Estate Planning
We help you design a plan for today and the future
Together, we help you develop a strategy to
establish your legacy and estate plan.
• Effective strategies to help minimize estate taxes
• Foundations and philanthropic giving
• Professional management of trusts
• Assistance for Clients serving as trustees and executors
• Timely, impartial estate settlement, asset management
and administration
