TDWPCGpresentation
- 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 2 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
- 3. TD Wealth 3 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 4 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).
- 5. TD Wealth 5 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.
- 6. TD Wealth 6 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.
- 8. TD Wealth 8 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.
- 9. TD Wealth 9 9 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.
- 10. TD Wealth 10 10 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
- 11. TD Wealth 11 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.
- 13. TD Wealth 13 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.
- 14. TD Wealth 14 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
- 15. TD Wealth 15 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.
- 16. TD Wealth 16 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.
- 17. TD Wealth 17 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.
- 18. TD Wealth 18 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
- 19. TD Wealth 19 19 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.
- 20. TD Wealth 20 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.
- 21. TD Wealth 21 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
- 22. TD Wealth 22 Important Disclosures TD Private Client Group is a unit of TD Wealth® in the United States, which is a business of TD Bank N.A., member FDIC (TD Bank).TD Private Client Group provides its clients access to bank and non-bank products and services. Banking, investment and trust services are available through TD Bank. Securities and investment advisory products are available through TD Private Client Wealth LLC, member FINRA/SIPC (TDPCW).TD Asset Management USA, Inc. (TDAM USA) and Epoch Investment Partners, Inc. (Epoch) are federally registered investment advisers that provide investment management services to TD Wealth.TD Bank,TDPCW,TDAM USA, and Epoch are affiliates. Cardholders are responsible for the cost of any goods or services purchased by the TD First Class Visa Signature Concierge on cardholders’ behalf. Visa is a registered trademark and service mark of Visa International Service Association, and is used by TD Bank, N.A. pursuant to license from Visa U.S.A. Inc. Loans subject to credit approval. Other terms and conditions may apply. Securities and other investment products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and may be subject to investment risk, including possible loss of value. TD Bank,TD PCW, their affiliates, and TD Wealth Relationship Managers and Advisors do not provide legal or tax advice.Any tax advice in this material is not intended or written to be used, and cannot be used, by any recipient for the avoidance of penalties under federal tax laws.Any such taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor. ©2014 TD Bank, N.A. TD Bank, N.A. TD Private Client Wealth LLC Bank deposits are FDIC insured. Member FINRA/SIPC Equal Housing Lender