TD Wealth Private Investment Advice

Transcription

1 TD Wealth Private Investment Advice A collaborative approach supported by the strength of TD Vartan Semerjian, PFP Certified Retirement Specialist TD Wealth Private Investment Advice 25 Corporate Park Drive, Suite 101 St. Catharines, ON, L2S 3W2 T: vartan.semerjian@td.com

2 We believe 1. Wealth can create complexity, on both a personal and financial level. You need an experienced partner to help. 2. To manage wealth is a personal experience, We do our best work for clients that we have a profound understanding of what is important to them. 3. Investment and wealth planning decisions are driven by personal values and individual goals 4. We can best achieve your goals by working closely together 5. To create an effective investment and wealth plan often takes a group of integrated specialists We believe in striving to deliver an exceptional experience for each client

3 Agenda What we ll cover today 1. The TD Bank Group difference 2. Our approach 3. Our commitment to you 4. Next steps

4 The TD Bank Group difference

5 The TD Bank Group difference TD Teams TD Wealth Asset Allocation Committee A team created to connect experts across the Wealth businesses at TD Provides active asset-allocation advice TD Economics Disciplined analysis of economic performance Portfolio Advice & Investment Research Professional analysis using leading-edge quantitative and qualitative assessment Search for actively managed funds that outperform their peers What they bring to you Leading-edge economic industry analysis, regional expertise, and risk management, providing the information and advice you need to make the decisions that are best for you TD Asset Management Inc. Risk Management Manage fiduciary risk through investment research Wealth Advisory Services A centralized team of diverse wealth experts Guidance that goes beyond investing to wealth planning, tax services, philanthropy, not-for-profit, credit strategies, business succession, and wills and estate planning We believe in bringing you the complete spectrum of our expertise

6 The TD Bank Group difference Dedicated to you Your Investment Advisor is accountable to you and develops your Investment and Wealth Plan. If needed, other specialists can be engaged as necessary including: Private Bankers offer tailored, high-end banking services Estate and Trust Advisors specialize in legacy planning and wealth transition strategies Wealth Advisory Specialists help provide solutions to even the most complex circumstances Private Bankers You Wealth Advisory Specialists Estate and Trust Advisors We believe our dedication to you is what sets us apart

7 Our approach

8 Our approach Working with you to meet your changing needs Life Discovery Investment and Wealth Plan Implementation Ongoing Engagement We believe your unique vision should guide your investment and wealth plan

9 Life Discovery Investment and Wealth Plan Implementation Ongoing Engagement Our approach It starts with an understanding of your vision Your life journey past, present and future Your personal values and beliefs Your vision of success Your current situation Your specific milestones Then we help translate your vision into goals Defining meaningful goals and setting priorities is the key to creating an investment and wealth plan that is uniquely tailored to you We believe that your vision should be the foundation of our approach

10 Life Discovery Investment and Wealth Plan Implementation Ongoing Engagement Our approach We bring in the expertise you need With access to the full spectrum of TD s capabilities, I can bring together a team of experts for your needs We believe in leveraging our broad expertise to design your investment and wealth plan

11 Life Discovery Investment and Wealth Plan Implementation Ongoing Engagement Our approach Goals-based investing For every one of your goals, I will create an investment approach to support it. I can also bring together specialists to help you reach other goals that are interrelated with your investment plan. Create a legacy Purchase additional property Fund children s education Transition business Attain desired lifestyle in retirement Care for aging parents We believe that each of your unique goals deserves a dedicated investment strategy

12 Life Discovery Investment and Wealth Plan Implementation Ongoing Engagement Our approach Implementing your plan 1. Present I will prepare an investment and wealth plan that articulates your life s vision and goals, along with action items recommended to help you reach them 2. Review All recommendations will be reviewed with you to verify they are appropriate I will incorporate your feedback and make any necessary revisions 3. Implementation I will put your investment and wealth plan into action and pull in other TD specialists as needed We believe in providing not only personalized advice but also timely implementation

13 Life Discovery Investment and Wealth Plan Implementation Ongoing Engagement Our approach Ongoing collaboration Regular contact helps to ensure that your investment and wealth plan reflects changes in the markets and your personal circumstances. Life circumstances change and I stay in tune with your needs so that you may continue to benefit from the most current wealth solutions I monitor your investments daily and I will contact you anytime there is a significant market change that could affect your portfolio. I understand that circumstances change and goals shift Regular communication allows me to help guide you through any changes. The focus is on providing a concierge service to our clients. The services and capabilities of TD Bank are an important resource to you. We believe in providing ongoing personalized advice centred on your vision

14 What we Recommend TD Premier Managed Portfolios World-class money management Through TD Premier Managed Portfolios, you gain access to some of the world s top investment managers firms whose services are usually beyond the reach of individual investors. They ve built their expertise catering to institutional investors, and we bring it to you.

15 Premier Managed Portfolios A Strategic Offer that: Enables TD Wealth to meet our high net worth families professional money management needs Enables your Investment Advisor to focus on providing world-class service and comprehensive wealth management solutions for sophisticated clients with complex needs: Transparency Tax-efficiency Oversight and risk management Flexibility and customization One encompassing transparent fee that may be tax deductable for nonregistered funds

16 Premier Managed Portfolios Comprehensive Reporting Quarterly Portfolio Summary Year-end Report Summary Investment Strategy Reports Annual fee summary for tax preparation

17 Other Offerings at TD Wealth Individually Managed Accounts. We will work together to create a portfolio of individual stocks, preferred shares, bonds and other investment choices based on research from our firm and independent research offered by Credit Suisse and S&P MarketScope for US selections. Analyst Choice Mutual Funds. Based on a strict quantitative selection process, these are the mutual funds that we feel offer the best risk adjusted returns relative to your personal objectives. TD Core Managed Portfolios. We offer four Core Equity funds and six Exchange Traded Fund Portfolios based on our rigorous selection process TD Unified Managed accounts. Enhanced managed account that builds on existing programs by offering a powerful combination of flexibility, control and simplicity. Accounts can hold combinations of separately managed accounts, mutual funds and exchange-traded funds all governed by a client-defined target allocation

18 We design a path to help get you there Vartan Semerjian Investment Advisor, PFP, Certified Retirement Specialist TD Wealth Private Investment Advisor vartan.semerjian@td.com I have had the privilege of providing dedicated service and personal attention to the unique needs of terrific families as their Investment Advisor for almost 30 years. Each client is an individual and we present personalized investment strategies offered through one of Canada's largest financial firms tailored to specific requirements and risk tolerances. We assist current and new clients in developing their personal investment and wealth plan by engaging other TD specialists such as tax experts and estate planners as necessary. We help solve complex personal and business financial issues. We work with you to help you make decisions that are based on a clear understanding of your family goals.

19 Fanny Grenier CPA, CA High Net Worth Planning Fanny is a Chartered Professional Accountant, Chartered Accountant (CPA, CA) who provides advanced financial, tax and estate planning assistance to clients. Her knowledge and past experience allow her to create integrated and customized wealth plans to address clients multiple financial goals. Prior to joining TD, Fanny worked at one of the big four accounting firms where she was a manager in the Tax Advisory Services group. She has been involved with family business owners, public and private companies tax reporting, compliance and planning. She has experience in acquisitions and divestitures, corporate finance and corporate reorganizations. Fanny earned a BA in Finance in 2002 and a Diploma in Accounting in 2003 from the Université du Québec en Outaouais. She completed the courses of Master s degree in Taxation from the Université de Sherbrooke. Fanny qualified as a CA in 2005.

20 Orlando Consoli LL.B, MBA Will and Estate Planning Orlando is a Will and Estate Planner with the Wealth Advisory Services group at TD Wealth. He obtained his Bachelor of Laws degree from the University of Toronto, and also holds an MBA and Honours Bachelor of Commerce degree from McMaster University. Estate and Succession Planning: Orlando has over Seventeen years of experience in assisting clients with will, trust, and business succession planning. He has helped clients navigate the finer aspects of wealth preservation and wealth management, dealing with various issues of complex estates and business succession. International Trust Planning: Orlando has helped clients to successfully benefit from cross-border trust planning, including the use of trusts to minimize income and estate taxes in appropriate situations, and to implement plans for wealth maximization and preservation.

21 Steven Davey MBA CFP CLU Estate Planning Advisor Steven Davey MBA CFP Chartered Life Underwriter, has over 35 years of experience in various roles in the insurance industry from sales to Leading a national sales organization. He works with clients to develop and deliver advanced estate planning and insurance strategies. A believer in goal-oriented planning, Steven focuses on presenting tax advantaged accumulation strategies that have helped create a tremendous amount of financial success for the clients he has worked with. Whether the need is for personal or business, Steven can implement tax preferred insurance solutions in order to help clients achieve their goals.

22 Disclaimers The information contained herein has been provided by TD Wealth Private Investment Advice and is for information purposes only. The information has been drawn from sources believed to be reliable. Where such statements are based in whole or in part on information provided by third parties, they are not guaranteed to be accurate or complete. Graphs and charts are used for illustrative purposes only and do not reflect future values or future performance of any investment. The information does not provide financial, legal, tax, or investment advice. Particular investment, trading, or tax strategies should be evaluated relative to each individual s objectives and risk tolerance. TD Wealth Private Investment Advice, The Toronto-Dominion Bank and its affiliates and related entities are not liable for any errors or omissions in the information or for any loss or damage suffered. TD Wealth Private Investment Advice is a division of TD Waterhouse Canada Inc., a subsidiary of the Toronto-Dominion Bank. TD Waterhouse Canada Inc. Member of the Canadian Investor Protection Fund. Commissions, trailing commissions, performance fees, management fees, and expenses all may be associated with mutual fund investments. Please read the prospectus, which contains detailed investment information, before investing. Mutual funds are not guaranteed or insured, their values change frequently and past performance may not be repeated. TD Mutual Funds are managed by TD Asset Management Inc. a wholly-owned subsidiary of The Toronto-Dominion Bank and are available through authorized dealers. TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services Morningstar is a registered mark of Morningstar Research Inc. All rights reserved. / The TD logo and other trade-marks are the property of The Toronto-Dominion Bank or a wholly-owned subsidiary, in Canada and/or other countries.