Who We Work With
Entrepreneurs and
Business Owners
The skills that build a business are not always the
same ones that protect what it creates. We work
with business owners who are planning for
succession, preparing for a sale, or managing the
transition from operating a company to stewarding
the proceeds. After years of focus and reinvestment,
shifting to liquid wealth raises new questions
around spending, investing, and protecting what
has been built. We help bring structure and
confidence to that transition.
Farmers
Farming families face a distinct set of
financial considerations. Land values,
succession planning, intergenerational
transfer, and balancing the farm's transition
with fairness to your children all require
careful coordination. We understand the
complexity that comes with agricultural
wealth and work with farming families to
plan across generations with intention.
Retirees and Professionals
For retirees and high-earning professionals, the
priorities tend to centre on maintaining the life
they have built, managing income and tax
efficiently, and making sure the plan holds up
over time. We provide structure, ongoing
oversight, and the kind of steady guidance that
makes navigating this stage of life feel
manageable rather than uncertain.
Inherited Wealth and
the Next Generation
Receiving a significant inheritance or
stepping into family wealth brings its own
set of challenges. We work with individuals
stepping into this responsibility for the first
time, helping them build a clear picture of
what they have and confidence in how it is
managed.
What We Can Help With
Tax Effective Strategies
Tax touches every part of a well-structured financial plan. How your assets are positioned, how income flows, and how wealth transfers across generations can have a deeper impact on your long-term outcomes than investment performance alone.
- Tax efficient investment strategies
- Life events and transitions
- Business succession
- Income splitting
- Cross-border considerations
- Insurance planning
Wealth Preservation
Building wealth and protecting it require very different thinking. We work with you across insurance, estate planning, and legal considerations to make sure what you have built is safeguarded and set up to last.
- Estate and capacity planning
- Insurance planning and implementation
- Estate settlement support
- Legal document reviews, including wills and powers of attorney
- Cross-border estate planning considerations
for United States assets
Wealth Transfer
For families with significant assets, transferring wealth is rarely straightforward. Tax exposure, family dynamics, business interests, and charitable intentions all need to be considered together.
We help you bring those threads into a single, coordinated plan.
- Will and estate planning
- Philanthropy
- Trusts
- Gifting strategies
- Insurance solutions
Additional Services
Certain products and services are provided in collaboration with TD specialists.Private Banking
Complex financial lives require more than standard banking. TD Wealth Private Banking provides dedicated support for clients whose borrowing, credit, and cash management needs go beyond what conventional banking is designed to handle.
- Tax effective borrowing
- Complex credit strategies
- Cross-border banking
- Cash management services
- Everyday banking
- US and Canadian credit card solutions
Trust Services
Estate and trust matters involve significant responsibility. TD Wealth Private Trust provides professional administration across these areas, ensuring your intentions are carried out with precision and care.
- Executor
- Power of Attorney for Property
- Trustee
- Guardianship
- Care Connect
Insurance
For high-net-worth families and business owners, insurance serves a different purpose than simple risk coverage. Structured correctly, it becomes a tool for tax minimization, estate equalization, and the efficient transfer of capital across generations.
- Terminal tax minimization
- Tax deferred investment strategies
- Estate equalization
- Risk management
- Intergenerational transfer of capital
- Critical illness, disability, and long-term care
Charitable Giving
For families who want their giving to be intentional and lasting, the Private Giving Foundation offers a tax efficient way to direct donations over time, extend your giving legacy across generations, and do it all without the complexity of a private foundation.
- Tax efficient donations, including gifts
of publicly traded securities - Flexibility to donate now and direct
gifts over time - An alternative to a private foundation
with minimal administration