Communication, Commitment and Discipline are the core values representing the framework of Gloria's success and her comprehensive wealth management plan.
Gloria's Behavioural Finance approach extends beyond investment advice and wealth management – encompassing retirement planning, tax strategies, estate planning strategies, wealth transfer, legacy creation and lifestyle protection strategies. By striving to focus attention on the true drivers of performance, her mission is to apply investment discipline with a transparent and straight forward process to help clients feel comfortable. The interest of her clients and their families is paramount in every advice she provides.
Who can benefit from Gloria's approach...
• Busy executives, professionals and their families
With broad financial goals, responsibilities and time commitments, Gloria's Behavioural Finance approach provides focus and efficiency to your family’s wealth planning and asset management, including but not limited to education savings, risk management, retirement, tax, and estate planning strategies by engaging other TD specialists.• Business owners and self-employed professionals
Business owners and self-employed professionals often face complex financial and tax planning opportunities. Gloria's resources help you holistically address matters relating to your business and personal assets. To develop your tailored wealth management plan, she reviews the unique strategies available to you as an entrepreneur and helps develop a sound plan for today and for generations to come.• Pre-retirees in their critical decade
The 10 years before retirement, when income and net worth typically expand, are critical for retirement planning. Gloria helps protect what you’ve successfully built and ensure you remain on track - making the most of your resources during this crucial time.• Retirees
Generating a comfortable and secure income for a retirement lifestyle that can last 30 years or more, requires a very different portfolio approach than during one’s wealth accumulation phase. Gloria reviews your income sources, both guaranteed and variable, and provides a sound retirement income blueprint, with the goal being a dependable, tax-efficient cash-flow for life, while helping protect your financial security and legacy.• Multi-generational families
With many if not all of their personal financial needs met, seniors and their families often look to protect a lifetime of successful stewardship, savings and thrift. For the benefit of their children or, grandchildren, or a much-loved school or charity, Gloria helps you create a multi-generational wealth transfer plan. The strategies she explores can help you and your family save tax today and, avoid future estate expenses while prudently growing wealth, for the long-term.
Gloria's wealth management process includes but is not limited to:
• A completed discovery and financial analysis
• Formalize Investment and Wealth Planning Strategies and Investment Policy Statement
• Implementation of the Wealth Plan with the proper Asset Allocation that suits your risk tolerance, using a disciplined approach
• Constant monitoring and review, while addressing needs and objectives as they change through different life stages
By working in collaboration with a team of specialists within TD Bank Group, Gloria addresses the full scope of investment and wealth management needs including: Portfolio Management, Private Banking, Retirement Planning, Tax Management, Insurance Solutions, Financial Planning, Estate Planning, Trust Services, and Charitable Giving Strategies. She is also a Life Insurance Advisor through TD Wealth Insurance Services.
Gloria holds a Bachelor of Commerce from York University and a Bachelor of Computer Science from IAU, as well as numerous investment designations. Prior to joining TD Wealth Private Investment Advice, she worked on Bay Street at TD Asset Management Inc. and BMO Global Asset Management, in roles providing investment recommendations and advice to Investment Advisors across various financial institutions. Outside of the office, Gloria has a bold presence in several charitable organizations in the community including DSAT
in support of persons with Down Syndrome and Dress for Success
in support of women seeking financial independence. Gloria lives an active lifestyle in Downtown Toronto, is an avid animal lover, enjoys taking her dog on hikes, making wooden crafts and listening to Classic Rock music.
Take the next step. Gloria offers a complementary second opinion. Get in touch!
Direct: (905)214-2218 | E-mail: Gloria.Malek@td.com