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 helps to clarify 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.

Here’s how the process works:

• Discovery: We learn about your life, goals, and priorities
• Custom Planning: We design a plan tailored to your family and finances
• Ongoing Advice: We adapt as life and markets change
• Specialist Support: You gain access to a TD network of specialists in areas like insurance, tax, estate, and business succession

Our process is based on four foundational pillars, which is a comprehensive financial plan, tailored to your unique needs and those of your family.

Our 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.

• Analyzes the strengths and vulnerabilities of your current situation and present course of action and uncovers potential alternative strategies to consider.
• Evaluates whether your current savings and strategies are appropriate to meet your financial goals.
• Leverages a team of specialists at TD covering areas such as insurance, tax and estate planning as well as business succession planning.
• Gives you actionable recommendations to help achieve your goals.