Ben Foster

Estimating what you will need during retirement will involve a blend of personal reflection and number-crunching. If you’re between five to ten years away from retirement, now is the time to sit down with us and review your planning. We can help you estimate your spending and withdrawal patterns over the span of your retirement as well as facilitate your switch from asset accumulation to asset utilization, if applicable. It’s important to look at constructing a flexible, tax-efficient cash flow to pay your fixed expenses, while having a clear sense of your discretionary spending.

We draw on the expertise of a variety of TD investment professionals and risk management specialists who provide our team with economic and market research. This research helps us not only manage your portfolio, but also identify the opportunities that lie in market shifts as they occur.

At TD Wealth, you will have access to diversified and risk-balanced investment choices that aim to take intelligent advantage of market opportunities.

TD Wealth Specialists work with your family and, when required, tax and legal advisors, to answer questions about:
• Wills, trusts, and estates
• Executor and trustee services
• Strategies to balance your priorities and charitable goals

You've worked hard to build your net worth and we understand how important it is to protect what you've built for generations to come. To help you navigate the myriad challenges of preserving wealth across multiple generations, we can create a plan that is tailored to your specific needs and values.

Our disciplined approach to wealth management starts with a unique deep discovery process. This discovery clarifies your financial situation, identifies your short, medium and long-term personal and financial goals, and uncovers what is truly important to you and your family. This discovery process also harnesses the cutting-edge field of behavioral finance, which we use to understand your Wealth Personality and what influences your wealth decisions - including your financial blind spots. This model identifies major personality traits, which can help to predict behaviors and identify underlying motivations - as well as allows us to see how your personality interacts to influence financial and investing decisions.

A comprehensive financial plan, tailored to your unique needs and those of your family, is created encompassing four financial pillars: Building Net worth, Protecting what matters, Implementing tax-efficient strategies and Leaving a Legacy. My planning process helps bring focus to your overall goals and offers strategies to help you achieve them, no matter what life stage you’re in. The plan will analyze the strengths and vulnerabilities of your current financial situation and course of action and uncover potential alternative strategies to consider. It will also help you evaluate whether your current savings and strategies are enough to meet your goals

The next step in my process is the implementation of your personalized financial plan. This is where I leverage a team of specialists at TD covering areas such as insurance, tax and estate planning as well as business succession planning. Portfolio management begins and ends with a well-defined investment philosophy, a determined portfolio construction process and a robust commitment to risk management.