Preparing You For a Work-Optional Lifestyle

"We've been there and we get it."

You work or have worked extremely hard. You've taken the necessary risks, suffered sleepless nights wondering if you've made the correct decisions and looked at your family, knowing you are doing it for them. To you, a 40 hour work week is a vacation. You've built a business from the ground up and your labor is paying off.

Or, you and your spouse have both worked and sacrificed for many years, diligently saving each month in hopes of achieving the freedom you see flaunted in the commercials.

How do you ensure that the product of your hard work, saving and worry is grown, preserved and available when you need it? Money is not simply dollars and cents. It represents the sum total of your life, your sacrifices, your dreams and your goals. It is hard earned and too easily spent.

The Toms Wealth Management Group was built with work and worry, hard decisions, personal sacrifices and a commitment to honesty, communication and trust. We are in this business because we believe that you deserve to be secure and enjoy the product of your hard work. We understand your needs because, we've been there and we get it.

"An infinite Number of moving parts"

Wealth Management is a complicated process with an infinite number of moving parts. We manage the various "parts" for you; ensuring a comprehensive strategy that works for day to day life as well as preparing for the future. We develop an in-depth understanding of your needs, where you are currently at with wealth management and where you need to go to help you be protected and achieve your goals.

We ensure the various aspects of your wealth are truly "managed" by providing:

High Net Worth and Retirement Planning: More and more people are concerned about their ability to retire and live well regardless of their bank balance; especially as we live longer through medical advances and the cost of living seems to perpetually rise. We provide a plan designed to take you through each age and the various stages of your life whether you live to be 80 or 110.

Investment Allocation: We invest your funds based on your personalized investment policy statement. We know when you need to grow or preserve your wealth and work within the parameters provided by our knowledge and your feedback to create a portfolio that works for you.

Insurance Protection: We help ensure that you and your family are protected in case of challenging circumstances by connecting you to other TD specialists who can provide insurances such as life and long term disability.

Tax Savings: Taxes are inevitable but the Toms Wealth Management Group was founded by Craig Toms who earned and holds a CPA (Chartered Professional Accountant) designation and, as such, has an in-depth understanding of taxation. We will try to help to minimize your taxes because we know when to recommend that you delay, defer or pay.

Business Succession Planning: You've built an incredible business that you wish to pass on to your children. We have the business succession planning expertise to help you to achieve this goal as seamlessly as possible.

Estate and Trust Services: The number of Canadians with no will is staggering. However; this is a key aspect of passing on your wealth, helping children and family deal with your passing and ensuring that your estate is not penalized due to government intervention. We will access the professionals at TD who specialize in providing estate and trust services as part of our wealth management strategy.

"Your own personal Chief Financial Officer (CFO)"

Craig Toms, MBA, CPA, CIM Vice President, Portfolio Manager and Investment Advisor –Craig founded the Toms Wealth Management Group in 2005. He was recently awarded Merit by TD for the third consecutive year, which is a prestigious award that only 60 advisors, nationally, in the firm achieve. He is also the 2018 Chair of the National Advisory Committee for TD Wealth.  Craig's credentials far exceed the standards in this industry and include an MBA from Queen's University, a chartered accounting designation (CPA) and designations as a portfolio manager, investment advisor and retirement specialist to name just a few. He is a military veteran and served as an officer in the Canadian Forces, retiring shortly after completing the inaugural tour in Afghanistan in the war on terror. Craig is husband to Kristin and father to his two children, son Mitchell and daughter Maddix. Craig enjoys hunting, fishing and football and likes to smoke and marinate meats. He recently survived buying his wife a pressure canner for Valentines' day.

*Merit: Merit rewards sales employees who meet and exceed the business unit's criteria, consistently deliver legendary experiences and demonstrate the following qualities: motivation; excellence; results; integrity; teamwork.