Your life stage investment approach guide

Your children may need money for university, and you may need to take care of your aged parents’ financial needs. And max out your IRAs, too, while you’re at it. Learn more about the retirement money market account, a money market account held by an individual within a retirement account such as an IRA.

Asset allocation to help you win retirement

Whether you choose our professional financial guidance and investment advice, or decide to manage your own portfolio, you ll find that we re responsive to your needs, knowledgeable about the products and services we offer, and dedicated to providing the solution that s right for you. With our full range of investment and wealth management services, we can help you make your financial decisions with confidence. TD Waterhouse Financial Planning Allows you to work with a professional Financial Planner to develop and implement your investment strategy and longterm financial plan. These professionals work together and can draw on all the resources of TD Bank Financial Group 2 to provide you with the highest level of tailored advice and integrated wealth management solutions. TD Waterhouse Discount Brokerage Gives you access to information and tools that help you invest for. It can help you decide which investments you want to manage yourself and which ones your life stage investment approach guide want managed with the help of a professional.

Investing for different life stages

Most people who plan for retirement are very interested in finding out how to invest. After all, how you save and invest in the decades before you leave your 9-to-5 impacts how you’ll spend your post-work years. Also important: The asset allocation strategy you use in your 20s and 30s won’t work when you’re close to or in retirement. Here’s how to invest at every age to reach your retirement goals. Before considering how to invest during the different stages of your life, it’s helpful to understand the concept of asset allocation. When it comes to investing, there are numerous asset classes—or, to put it simply, investment «categories. Each asset class has a different level of risk and reward—returns, as they’re usually called.

Assessing your goals

Whether you choose our professional financial guidance and guidde advice, or decide to manage your own portfolio, you ll find that we re responsive to your needs, knowledgeable about the products and services we offer, and dedicated to providing the solution that s right for you. With our full range of investment and wealth management services, we can help you make your financial decisions with confidence.

TD Waterhouse Financial Planning Allows you to work with a professional Financial Planner to develop and implement your investment strategy and longterm financial plan. These professionals work together and can draw on all the resources of TD Bank Financial Group 2 to provide you with the highest level of tailored advice and integrated wealth management solutions.

TD Waterhouse Discount Brokerage Gives you access to information and tools that help you invest for. It inveshment help you decide which investments you want to manage yourself and which ones you want managed with the help of a professional.

And you ll find out about our wide range of financial specialists who can guide you as you plan for today and the years ahead.

Whichever way you choose to proceed, you ll find solutions that will help you make financial decisions with confidence. It is an in-depth and ongoing process that results in solutions that reflect your objectives at every stage of your life. Youf comprehensive information-gathering, analysis, decision-making and evaluation, we can provide you with a truly individualized plan. We identify your financial goals and objectives Before making any recommendations, your Aproach Waterhouse advisor will take the time to gain an in-depth understanding of your personal situation and financial goals.

This understanding enables us to determine your unique personal profile that will guide the creation of your customized strategy and be the benchmark for your success. At this stage, we will also be able to determine if you require assistance in any other areas Private Banking 4, Private Trust 5, insurance planning or philanthropic giving in order to develop an integrated wealth management solution. We determine your asset allocation Understanding your goals and youf provides the information needed to conduct a thorough asset allocation review.

This process will indicate a suitable investment strategy, diversification plan, investment portfolio, asset mix and rate of return required to help you meet your financial goals. We evaluate your portfolio Whenever required or requested, we hold formal portfolio evaluations with you to review performance and recommend any necessary adjustments to your portfolio, plan and goals. We also keep you informed through comprehensive statements, educational materials and regular personal contact throughout the year.

If you choose to manage your own investments through TD Waterhouse Discount Brokerage, you ll find asset allocation and investment planning tools online at b TD Waterhouse Financial Planning If you want to develop and implement a comprehensive plan for financial success, consider TD Waterhouse Financial Planning. Accredited TD Waterhouse Financial Planners are trusted advisors who discuss your needs with you, analyze your goals and create a detailed, written, long-term plan to help you get where you want to go.

They then work with you to implement and monitor your plan stgae the years ahead. It clearly shows you where you are today, where you want to get to, and how to get. And that means you re in control. Your integrated plan can address your retirement needs, children s education, security for your family, estate planning and other financial goals that will help you achieve the future you want.

And because choosing the right investments is a big part of reaching many financial goals, your plan will include clear recommendations on fixed income investments and mutual funds that meet your objectives. With a comprehensive plan in place, you ll feel much more confident and be able to measure your success.

You ll also find it easier to make decisions because your plan provides a clear direction. We help you develop integrated, comprehensive and customized financial solutions that can save you time and vuide you confidence in your financial decisions.

To do so, we have built an exceptional team of banking, estate and trust, and investment professionals who work closely together to help grow and preserve your assets and transfer your wealth across generations. To ensure consistency and the best use of your time, one advisor will be investkent primary contact with us. This advisor can recommend or refer you to the appropriate Private Your life stage investment approach guide Services specialists and other TD Bank Financial Group resources to assist in helping you achieve your goals.

Private Client Services includes Private Banking Integrated financial solutions Private Banking provides executives, business owners and professionals, and their families, with service that is attuned to their financial goals and responsive to their unique and complex needs. Our Private Bankers have many years of experience in dealing with the business and personal requirements of busy, successful individuals and 6.

Your Private Banker will ensure that you receive attentive service in all your dealings with us, from everyday banking at one of our Private Client Services centres, to developing individually structured wealth lnvestment solutions that encompass all your lifestyle needs. Private Trust Estate and Trust services Private Trust, through The Canada Trust Company, has been one of Canada s leading estate and trust advisors invesfment over years working with individuals, families and foundations yur achieve their goals by guiding them in the preservation and transfer of wealth across generations.

Our broad range of services includes assistance for executors, Will and estate planning, trusts, Powers of Attorney, financial management and tax planning and preparation. Private Investment Counsel Discretionary portfolio management Private Investment Counsel is one of Canada s leading discretionary money managers.

As a client, you enjoy the benefits of a strong relationship with an accredited Portfolio Manager who works with you to create lifd manage a customized portfolio based on an in-depth understanding of appdoach needs.

Your Portfolio Manager also takes care of all the investment decisions, day-to-day monitoring and administration regarding. You ll establish a strong relationship with a professional Investment Advisor to create and implement your personalized investment plan, and benefit from ongoing advice to help enhance its success over the long term.

Based on detailed research and analysis, your Investment Advisor will recommend equities, mutual funds, fixed income gide and alternative investments to create a well-diversified portfolio that is customized to meet your unique objectives. Your Investment Advisor can also provide you with a fee-based solution for advice, financial transactions and ongoing service. We would be pleased to meet at yoir office or home, or at one of our Private Client Services offices across Canada.

You ll enjoy around-the-clock lofe to a comprehensive selection of online tools and research that can help you develop your investment plan and make informed and timely investment decisions. You ll also have the confidence that comes with knowing that you have telephone access to a team of Investment Representatives to answer questions and execute trades to help you reach your financial goals.

As a TD Waterhouse Discount Brokerage client, you can talk with our specialists in mutual funds, fixed income investments, new issues and options. You can also take advantage of informative investment seminars and discussions in cities across Canada. TD Waterhouse Discount Brokerage also offers the President s Account TM program our stahe brokerage service invrstment high net worth individuals and active traders. If you re a self-directed investor, TD Waterhouse Tour Brokerage is committed to helping you become the best investor you can guidf.

In advice given and actions taken, we will be accountable for ensuring that our clients best interests are paramount. Honesty In the conduct of our business, we will be truthful and refuse to tolerate deceit or misrepresentation. Integrity We will practise our profession in a manner that earns our clients trust. Capital Preservation In all financial matters, we are committed to the preservation of our clients capital. Lnvestment We believe long-term relationships are based on superior service delivered consistently and reliably.

Performance Yoyr goal is outstanding performance for our clients investments and for ourselves as financial professionals. You ll begin to achieve your your life stage investment approach guide goals and you ll encounter new reasons to plan and invest. That s why a full range of financial and investment solutions is available to you through TD Waterhouse. Whether you re planning for retirement, seeking additional income or looking for a fully integrated financial solution, you don t have to look any further than TD Waterhouse.

We can help you find the right combination of investment and financial services for all your needs today and tomorrow. To find out more about how we investnent help you achieve your financial goals, please callguise or contact one of our many TD Waterhouse offices or TD Canada Trust branches.

TD Waterhouse Canada Inc. Member CIPF. Please read the prospectus, which contains detailed investment information and is available from your dealer, before investing.

Mutual funds apporach not guaranteed or insured, their values change frequently and past performance may not be repeated. Available through authorized dealers. At TD Wealth we are committed to helping our clients meet their financial. We value the trust investjent ve placed in us and look forward to. We are committed to providing you with exceptional service, support and a comfortable investing experience guidee meet your unique.

And the people you trust. What are your financial stzge What yor financial well-being mean to you? What do you. Investment Counselling Program To us there are no foreign markets. N19 70 lie W 08 58 Golfing with friends, Hawaii Your life has a geography. Where you re from, where you re going, where you aspire to.

Private Banking Wealth Management Our mission Our mission is to be with you at every point, providing the financial expertise to help you achieve your goals. Whether your needs are basic or complex, we. Wise Advice A personal relationship with your Portfolio Manager Thor Wealth Management Group Devote your time to what is important to you, knowing that your investments are being managed by a professional.

DeLucas Senior Registered. Wealth Management Investing in your life. Welcome to the place where banking and investing meet. The place where wealth management goes beyond stocks, bonds. Guidw, you aapproach relax. With these choices. Are you looking for more investment access, choice and flexibility.

Six portfolios approcah to meet the needs of six different investor profiles. Optimal diversification by asset. Get Started Today! A regional bank is smaller than a bank that operates. United Financial Private Client Managed Portfolios Your wealth is the cumulative result of your hard work, discipline, and astute management. Mutual Fund Basics A invetsment fund pools the money of many investors to purchase securities.

The fund s manager buys securities to pursue a stated investment youf. By investing in the fund, you ll. Client Guide Early on, your needs were simple. The memory of investing your first hard-earned dollars is xtage in your mind. As you established yourself llfe began to experience success, your needs changed. Your wealth is the cumulative result of your hard nivestment, discipline, and astute management.

Yet the opportunities it affords may also come. Made easier. Start early and invest regularly Do your homework take the time to become an informed investor Develop an investment strategy you are comfortable.

Articles 12 Mar Identify a portfolio objective A Portfolio Objective helps you and your financial advisor determine the mix of investments that’s right for you. When one goes up, the other goes down, and vice versa. At any age, your life stage investment approach guide should first gather at least six to 12 month’s worth of living expenses in a readily accessible place, such as llife savings account, money market account, or liquid CD. Alternatively, many online brokers have risk profile «calculators» and questionnaires that can determine if your investing style is conservative or aggressive—or somewhere in .