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Internal<br />
Wealth Strategy Document<br />
Prepared exclusively <strong>for</strong><br />
Bob and Linda MacDonald<br />
Prepared by<br />
Anna Advisor, CFA, CFP, MBA<br />
Investment Advisor<br />
TD Wealth, Private Investment Advice
Internal<br />
Agenda<br />
1. Our people: your team<br />
A reminder of how our team of specialists take a unique approach anchored in an understanding of you<br />
2. What truly matters to you<br />
A collaborative review of your wealth summary, including your wealth personality, values and priorities<br />
3. Your wealth strategy<br />
Practical next steps and tailored solutions to help you achieve your goals
Internal<br />
Our people: your team<br />
A unique approach<br />
anchored in an<br />
understanding of you<br />
The Onboarding Process<br />
As a client of TD Wealth Private Wealth<br />
Management, you will take part in a<br />
unique and collaborative consultation to<br />
fully understand your financial needs<br />
and priorities. This will occur at the beginning<br />
of your relationship, and on an ongoing basis.<br />
Your Team<br />
With a deep understanding of your priorities, a<br />
dedicated Wealth Advisor can connect you with a<br />
core team of TD specialists with experience in<br />
everything from investment advice, estate and<br />
trust planning and philanthropy, to<br />
business succession, tax planning and charitable<br />
giving.<br />
Together, your advisor and wealth planning<br />
specialists will provide a spectrum of strategies to<br />
help you achieve your goals.
Internal<br />
Your Wealth Summary
Internal<br />
Your Wealth Strategy
Internal<br />
More about you<br />
During our previous meeting, we began developing your detailed profile so that we can<br />
respond to your needs on a proactive basis. From this profile, we have set out the<br />
preliminary strategies and recommendations included in this document. Our<br />
Understanding of What Truly Matters to You<br />
Family<br />
• You spend much time and ef<strong>for</strong>t ensuring your son, Jessie, who has a disability,<br />
receives the highest quality of care<br />
• Family time is important to you – as a couple, your favourite times are spent at the<br />
cottage with your extended and immediate family members<br />
• Linda's parents, Pierre and Adele, will likely need long term care within the next 6<br />
months<br />
• Bob's father, Frank, passed last year, but his mother, Belinda is self-sufficient<br />
Lifestyle and<br />
Wellbeing<br />
• Neither of you have concerns about your overall wellbeing<br />
• Bob would like to achieve a better work/life balance, with more freedom to spend<br />
time with the family at the cottage<br />
• Linda enjoys yoga regularly and long walks with the family Bernadoodle, Jeremiah<br />
Occupation<br />
• Bob's role as VP of Marketing keeps him very busy. He enjoys the challenge and<br />
would like to retire at age 65 and "go to the cottage – A LOT"<br />
• Linda's career as a physiotherapist is very fulfilling, but can also be physically<br />
demanding. She would like to retire at age 55 and do a tour of Europe.
Internal<br />
More about you<br />
Financial<br />
• As noted in the Wealth Priorities, Linda is concerned about retirement income<br />
planning, as well as investment management. Jessie's care is extremely important<br />
and Linda sometimes worries about how to balance those costs and income needs<br />
in retirement. Linda acknowledges that TV news about the economy can make her<br />
feel anxious about the future.<br />
• Bob is also very focused on ensuring Jessie receives quality care <strong>for</strong> the duration of<br />
his life. He also thinks retirement planning and investment management is<br />
important, but he's looking further ahead at creating a legacy and giving back,<br />
specifically to support research into son Jessie's condition<br />
Recreation<br />
• The Muskoka cottage is your "favourite place in the world", but you also enjoy<br />
annual trips to warmer climates<br />
• Bob is a keen sailor and wishes to upgrade his sail boat in the next 18 months<br />
• All of your children are very active in various sports and activities (Soccer, Dance and<br />
Jiu Jitsu)
Internal<br />
Helping you to achieve your goals<br />
Your Wealth<br />
Considerations<br />
Protecting<br />
Your Assets<br />
and Income<br />
Status<br />
Consider<br />
Reviewing<br />
Recommendation<br />
Assess current insurance coverage, specifically looking at<br />
Jessie's care needs<br />
Managing<br />
Cash flow<br />
Will require<br />
attention<br />
soon<br />
Take a closer look at existing expenditure and create a cash<br />
flow <strong>for</strong>ecast<br />
Managing<br />
Your<br />
Investments<br />
Helping<br />
Pass on<br />
Your<br />
Wealth<br />
Requires<br />
immediate<br />
attention<br />
Will require<br />
attention<br />
soon<br />
Review existing investments, including cost and per<strong>for</strong>mance<br />
analysis<br />
Learn about Estate Planning and leaving a legacy<br />
Lifestyle and<br />
Wellbeing<br />
Will require<br />
attention<br />
soon<br />
Discuss options to ensure appropriate plans are in place <strong>for</strong><br />
current and future care<br />
Donating to<br />
Charity<br />
Saving <strong>for</strong><br />
Your Child's<br />
Education<br />
Requires<br />
immediate<br />
attention<br />
Will require<br />
attention<br />
soon<br />
Articulate your wishes and consider the TD Private Giving<br />
Foundation<br />
Assess current RESP and look at additional options<br />
Retirement<br />
Income<br />
Planning<br />
Requires<br />
immediate<br />
attention<br />
Assess retirement goals and income requirements<br />
Saving <strong>for</strong><br />
Large<br />
Purchases<br />
Not<br />
applicable<br />
N/A<br />
Managing<br />
Your Taxes<br />
Buying and<br />
Selling a<br />
Business<br />
Will require<br />
attention<br />
soon<br />
Not<br />
applicable<br />
Create a comprehensive financial plan to mitigate taxes<br />
N/A
Internal<br />
Helping you to achieve your goals<br />
Wealth Priority Next Step TD Specialist Timeframe<br />
Managing your<br />
Investments<br />
Review existing investments,<br />
including cost and per<strong>for</strong>mance<br />
analysis<br />
Anna Advisor, CFP<br />
Investment Advisor<br />
Within 2 weeks<br />
Retirement<br />
Income Planning<br />
Discuss and assess retirement goals<br />
and income requirements<br />
Anna Advisor, CFP<br />
Investment Advisor<br />
Within 2 weeks<br />
Donating to<br />
Charity<br />
Articulate your wishes and consider<br />
the TD Private Giving Foundation<br />
Edward Estate, LLB<br />
Estate Trust Advisor<br />
Within 4 weeks
Internal<br />
Meet Your Team<br />
Your Lead Relationship Manager<br />
Anna Advisor<br />
CFP<br />
Investment Advisor<br />
Bio<br />
Support Team<br />
Name 1<br />
Title<br />
Name 2<br />
Title<br />
Name 1<br />
Title<br />
Name 2<br />
Title<br />
Private Trust<br />
Edward Estate<br />
LLB<br />
Estate Trust Advisor<br />
Private Banking<br />
Barry Banker<br />
MBA<br />
Senior Private Banker
Internal<br />
Team Biographies<br />
Private Banking<br />
Barry Banker<br />
MBA<br />
Senior Private Banker<br />
Bio
Internal<br />
TD Wealth Private Wealth Management represents the products and services available through TD Wealth Private<br />
Investment Advice (a division of TD Waterhouse Canada Inc., - Member of the Canadian Investor Protection Fund), TD<br />
Wealth Private Investment Counsel (offered by TD Waterhouse Private Investment Counsel Inc.), TD Wealth Private<br />
Banking (offered by The Toronto-Dominion Bank) and TD Wealth Private Trust (offered by The Canada Trust Company).<br />
All trademarks are the property of their respective owners.<br />
® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.
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