Family Office Services

Our commitment to our process is what sets us apart. Effective Wealth Management requires input & expertise from a variety of team members who have gone career deep in their particular area of focus.

We believe a comprehensive financial plan becomes the foundation of all successful strategies and is pivotal when making recommendations & integrating all the components of your finances. Our planning process provides clarity, identifying where you need to focus as you strive to achieve your goals.

Discretionary Investment Management

We provide Discretionary Investment Management for families who value disciplined oversight and consistent execution. Clients entrust us with day-to-day investment decision making, supported
by a clear understanding of their goals and circumstances. Together, we establish investment policies that guide asset management and risk control. Portfolios are supported by institutional research and managed locally by dedicated portfolio managers.

Tax Effective Strategies

For high-net-worth Canadian families, tax often represents the largest constraint on long term wealth outcomes. Tax efficiency plays a meaningful role in preserving and growing wealth. Sound advice supports informed decisions and stronger long-term outcomes.

Our focus includes:

  • Tax efficient investment strategies
  • Life events and transitions
  • Business succession
  • Income splitting
  • Cross border considerations
  • Insurance Planning

Wealth Preservation

Protecting wealth requires careful planning and coordinated execution. Our team advises on strategies designed to safeguard assets and support those closest to you.

Services include:

  • Estate and  capacity planning
  • Insurance planning and implementation
  • Estate settlement support
  • Legal document reviews, including wills and powers of attorney
  • Cross border estate planning considerations for United States assets

Wealth Transfer

Creating a lasting legacy for family or charitable causes requires thoughtful planning and careful integration. Our team supports the transfer of wealth in a structured and tax aware manner.

Our focus includes:

  • Will and estate planning
  • Philanthropy
  • Trusts
  • Gifting strategies
  • Insurance solutions

Additional Family Office Services

Private Banking

As wealth grows, banking needs often become more complex. TD Wealth Private Banking offers dedicated personal banking support tailored to more sophisticated financial requirements.

  • Tax Effective borrowing
  • Complex credit strategies
  • Cross border banking
  • Cash management services
  • Everyday banking
  • US and Canadian Credit Card Solutions

Trust Services

Estate and trust matters involve complexity and responsibility. TD Wealth Private Trust provides professional support across estate and trust administration, acting directly or as an agent to help ensure requirements are met and properly carried out.

  • Executor
  • Power of Attorney for Property
  • Trustee
  • Guardianship
  • Care Connect

Insurance

TD Wealth Insurance Services provides guidance designed to address the unique needs of families and business owners as part of an integrated wealth plan.

  • Terminal tax minimization
  • Tax deferred investment strategies
  • Estate equalization
  • Risk management
  • Intergenerational transfer of capital
  • Critical illness, disability, and long-term care

Charitable Giving

The Private Giving Foundation offers a simple, tax efficient way to support charitable causes without the complexity of establishing a private foundation. It allows families to give with flexibility, involve future generations, and build a lasting philanthropic legacy.

  • Tax efficient donations, including gifts of publicly traded securities
  • Flexibility to donate now and direct gifts over time
  • An alternative to a private foundation with minimal administration