Client Resources
Useful Tips
This page provides a collection of helpful resources and references to support your financial journey with us. The information is offered for reference purposes.
Important Information and Reminders for your TD Waterhouse Canada Inc. account(s)
Important Information and Reminders have been sent with June 2026 account statements, which contains mandatory information/reminders for the following items:
- Be aware of phishing scams
- Additional information regarding conversions of foreign currency
- Changes to our fees
- Fund Facts for Systematic Investment Plans
- Important Information about Leverage Risk
- Important Reminders for Insiders and Significant Shareholders
Use Extra Caution: Phishing Scams and Added Protection
Phishing emails and text messages may appear to come from TD in an attempt to collect personal information. TD would never ask clients to complete tax forms through email or text links. Here are some useful tips:
- Watch for red flags, such as urgent requests, suspicious sender addresses, unusual links, or messages asking for confidential information.
- Do not click suspicious links or respond to unexpected messages.
- Report phishing attempts by forwarding the email or sending a screenshot of the text message to phishing@td.com.
- Consider adding a Trusted Contact Person (TCP), someone we may contact only in specific situations, such as concerns about fraud or difficulty reaching you. Please contact us if you would like to add a TCP to your account.
Learn more about how you can protect yourself by visiting the TD Fraud Protection website at
td.com/ca/en/about-td/privacy-and-security/fraud-protection.
Understanding Total Cost Reporting (TCR)
Total Cost Reporting (TCR), also known as Client Relationship Model Phase 3 ("CRM3"), is a new Canadian regulatory requirement designed to enhance transparency of investment fund costs. TCR introduces changes to the annual charges and compensation report by including the embedded costs of investment products in both dollar terms and percentage terms.
What to expect:
- CRM3 / TCR came into effect on January 1, 2026, with enhanced client statement reporting.
- Clients will receive notices about CRM3 / TCR with their October 2026 statement, a guide to the new statement format with their December 2026 statement, and their first enhanced statement with additional cost information in January 2027, based on the December 2026 statement period.
- These enhanced statements are intended to make existing investment costs easier to understand; they do not mean new fees are being introduced.
As more information becomes available on client statements, you may have questions about pricing, performance, and overall value. We welcome these conversations and can review the information in the context of your long-term goals, portfolio construction, risk management, and broader wealth strategy. You may also visit the TD Asset Management website to learn more about Total Cost Reporting.
WebBroker is a powerful and intuitive online platform that gives you instant access to your portfolio and investment details. It allows you to view your account information and related documents quickly and securely.
How to Understand Your Statement
Your monthly statement is intended to assist you with tracking your investments and financial performance quickly and easily. Click here for a brief explanation of each section of your statement.
How To Deposit Cash to a TD Wealth Private Investment Advice Account
Before depositing cash to your TD Wealth Private Investment Advice (PIA) account, you must decide whether you wish it to be a recurring (scheduled) deposits/contributions, or intermittent deposits/contributions.
Tax & Retirement Planning Guide
We understand the importance of tax planning to investors. There are many tax-efficient investment vehicles available to Canadians to help maximize after-tax income and grow their investment portfolios.
Tax