Navigating your financial journey
We are a family-based advisory group that assists individuals and families in managing the dynamics and complexities of their wealth with discipline and long-term strategic thinking. Every exciting journey requires a plan – your financial journey does as well
. We begin with establishing a clear vision of what is important to you, then work together to create strategies that will help make that vision a reality.
Whether it’s reaching goals for a comfortable retirement, planning a tax-smart estate that transfers wealth seamlessly to loved ones, or leaving a meaningful legacy for future generations, our goal is to guide you to make wise decisions on your financial journey.
Our clients are entrepreneurs, professionals, public servants and retirees – people who have worked hard for their savings and appreciate our commitment to conservative and tailored investment strategies.Joshua Ralph, Investment Advisor
, leads our team and has been providing wealth advice for nearly two decades. An exceptional client experience is the cornerstone of Joshua’s business and he strives to be consistently attentive to clients’ ongoing needs. Knowledgeable and approachable, Joshua and his team will work closely with you and TD specialists to develop a full suite of holistic wealth strategies for the long-term, while attending to near-term needs efficiently and thoroughly.
As a family-based team (Joshua and Susan are husband and wife, Sasha is Susan’s daughter), we believe we are uniquely positioned to understand our clients’ family relationships. Where appropriate, we take a multi-generational approach to wealth management and aim to be an advisory team the entire family can rely on.
Comprehensive Wealth Management Strategies
Our team delivers:
●Disciplined investment management (guided by industry-leading research and advice from the top economists and analysts at TD)
●Retirement and estate planning (in collaboration with TD specialists)
●Tax loss-selling (when appropriate)
●Assistance with tax documentation packages for accountants at tax time
●Assistance with ongoing account-related needs, big or small
●A multi-faceted approach that recognizes individual and family needs and goals
●A commitment to building a long-lasting relationship through transparency, communication, trust, and collaboration
As our name suggests, preserving a family’s heritage of lasting wealth is our priority. We assist at all ages and stages with strategies to:
Facilitate the tax-efficient transfer of wealth
➁ Help heirs understand and practice the principles of wise wealth management
➂ Assist families to build legacies that have meaning across the generations
Expertise from TD Specialists
To meet your wealth management needs, we collaborate with TD specialists as needed to provide:
We will also collaborate with your lawyers and accountants to provide comprehensive strategies aligned with your goals.
Plan for Your Financial Journey
A personalized wealth plan is the foundation of your overall wealth management strategy. Wealth planning is an ongoing process that involves:
● Clarifying your goals
● Identifying hurdles and exploring your options
● Deciding on the solutions and strategies that best meet your needs and goals
● Implementing your plan
● Regularly reviewing your plan
● Evaluating the recommendations presented in your plan and modifying as appropriate
Most importantly, your wealth plan provides a comprehensive assessment of your financial situation and helps keep your investment strategy in line with your overall goals.
We strive to help people understand how their finances fit into the bigger picture. We work with our clients to develop clear and realistic expectations and help manage the emotions that often accompany investment and wealth planning decisions. Our dynamic investment management process goes hand-in-hand with the wealth planning process to create a holistic strategy that is unique to each client.
Our dynamic investment management process:
The TD Cornerstone Program
This all-inclusive, fee-based account brings you investment advice and service for one simple fee:
● You participate in the planning and decision-making and receive all the benefits of working closely with our team for a clearly-defined, all-inclusive fee.
● The account provides predictability, transparency and the cost advantages of an annual fee based on your total assets under administration.
● Unlike traditional per-trade commissions, management fees charged to non-registered investment accounts may be tax-deductible. (Please consult your tax advisor to see how this relates to your personal situation.)
● Investment decisions can be based solely on merit, without worrying about the cost of commissions.
Heritage 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. All trademarks are the property of their respective owners. ® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.