Your wealth team for life
We are a wealth team that cares and we will strive to prove it to you day after day.
You’ve done a great job amassing capital, and we owe it to you to help you to protect and enhance it. Drawing upon our conservative approach and the expansive network of TD specialists, we help you to protect and grow your assets by focusing on risk minimization and downside protection.
With our combined financial experience of over 50 years, we’ve learned that most investors value two major themes:
- Preservation of Capital is more important than the pursuit of gain, and
- Clients are generally not as brave as some advisors think they are.
In short, we can help you live more comfortably today, and enjoy greater success over the long term by designing conservative, disciplined and structured wealth strategies that are designed to be simple to understand and follow.
We understand and honour our responsibility to place our clients’ interests first. This – and our focus on capital conservation – helps us to build long-term relationships that we truly value with our clients.
Before we begin to build your plan, we take the time to develop a deep understanding of your:
- Personal values and beliefs, including what "risk" tolerance really means to you
- Financial past and present (family dynamics, professional interests)
- Personal goals for yourself and your family
- Business goals
Once we’ve confirmed your complete profile, we help create your personal wealth plan, which acts as a road-map. Woven throughout your plan are detailed analyses of your tax and insurance considerations. As your needs evolve over time, so will our services and strategies.
A structured, balanced approach to your portfolio
Our investment philosophy is rigorous, disciplined and comprehensive, with a conservative, balanced approach
to wealth preservation and growth.
Working behind the scenes is a global team of investment professionals and risk management specialists
who provide real-time economic research that helps us manage your portfolio and identify opportunities in market shifts.
We strive to preserve your capital by balancing portfolios with assets that are non-correlated to the equity markets. We seek to generate tax-efficient income for a consistent cash flow through investments that have the ability to offer growth with yield. Preferred shares are employed to help us to meet our goal of achieving better returns than GICs along with lower tax rates.
We employ covered call strategies and alternative investments that can offer value. Innovative and ahead of the curve, our group is always researching new managers and new strategies to find better ways to invest
Through our team, clients can access discretionary investing
– an option that leaves the daily investment decision-making to us, so you’re free to focus on your other priorities. In exchange for one transparent, asset-based cost, we drive your portfolio’s strategy, responding nimbly to sudden opportunities and risks. Our strategy is always guided by your Investment Policy Statement: based on your objectives and financial situation, it sets out the asset allocation and diversification of your portfolio.
Integrated wealth planning
Our proven process helps to ensure the different aspects of your wealth are co-ordinated in order to help you reach your goals. Reviewing this process regularly, we then collaborate with TD specialists to offer you integrated and sophisticated strategies, including:
Service touch points
We aim to deliver the best products, the best personalized services and the best value.
Our entire team is committed to answering your phone calls in person and being responsive and available.
You can expect to receive financial information and timely insights on points of personal interest.
Tailored, comprehensive and client-focused wealth management
At the Zoback | Holford Wealth Management Group, we deliver strategies with global scope through a personal relationship that enables us to understand your needs. Using TD Discovery tools, we help identify financial blind spots that can put your goals at risk. Our long-term commitment means that our wealth services can grow and adapt with you, your family and your business as you evolve through the different phases of your life.
Supported by TD specialists, we deliver integrated family office services: specialized tax, estate, trust, retirement, insurance, business succession, philanthropic and legacy planning under one roof. We also collaborate with your chosen accountants and lawyers to address your complete wealth picture on an ongoing basis.
Advising affluent individuals and families, business owners with holding companies, doctors, dentists, corporations and charities across Canada, we have the sophistication to address many of the wide-ranging or complex needs you may have.
The 4 Wealth Pillars: Helping you achieve your vision of success
Zoback Holford Wealth Management Group is a part of TD Wealth Private Investment Advice, a division of TD Waterhouse Canada Inc. which is a subsidiary of The Toronto-Dominion Bank..