2026 September Newsletter - Organizing for Your Family's Future: Estate Planning

 

 

Organizing for Your Family's Future: Estate Planning

 

As you balance retirement planning, family goals, home priorities, and day-to-day financial responsibilities, estate and family planning can help connect the pieces. A review of key documents, beneficiaries, and account organization can support confidence as your plans evolve.

 

This month, we encourage you to consider:

• Wills, powers of attorney, and personal directives - Are your documents current and aligned with your wishes?
• Beneficiary designations - Have you reviewed beneficiary details for registered accounts and insurance policies?
• Account organization - Are your accounts, statements, and key documents organized and accessible?
• Healthcare and living arrangements - Have you considered how future care preferences may interact with your broader plan?
• Family coordination - Are there opportunities to communicate important information with family members or trusted professionals?
   

For additional educational information, you may wish to review the following TD public resource: Estate and Will Planning.

 

Please note: Estate planning may involve legal and tax considerations. Clients should consult qualified legal and tax professionals regarding their personal circumstances.

 

Important Reminder

Keeping your Will, powers of attorney, beneficiary designations, and account information up to date can help ensure your wishes are clearly documented. It can also help support a more coordinated planning discussion with family members and professional advisors.

 

Please contact us if you would like to discuss estate and family planning considerations within the context of your broader wealth plan - we can engage TD specialists where necessary.

 

Wealth Perspectives

Below are a few articles and insights that stood out this month. Click here to read more articles.

 

• What to Expect from Fixed Income when Interest Rates Rise
  Fixed income investments, such as bonds, can be affected by changes in interest rates. In general, bond prices and interest rates tend to move in opposite directions: when interest rates rise, the market value of existing bonds may decline; when interest rates fall, existing bond values may rise. To learn more, please review TD Asset Management's public education piece on rising interest rates: https://www.td.com/content/dam/tdcom/canada/tdam/en/investor/pdf/rising-interest-rates-en.pdf. 
• Bank of Canada: Why it may be on hold until 2027
  The Bank of Canada's decision to hold rates steady reflects growing confidence that the economy is on firmer footing, says Andrew Kelvin, Head of Canadian and Global Rates Strategy at TD Securities. He joins MoneyTalk to explain why stronger fundamentals could keep the central bank sidelined until early 2027.
• New U.S. tariff threat raises trade stakes for Canada
  The U.S. has unveiled new 50% tariffs on nearly $20 billion of Canadian exports, marking a major escalation in the trade dispute between the two countries. Chris Krueger, Global Head of Macro Research with TD Securities, breaks down what the new measures could mean for Canada and why this latest move may signal a broader shift in U.S. trade policy.
• What happens to your FHSA if you don't buy a home?
  If you change your mind about buying a home, you may be able to use First Home Savings Account funds to boost your retirement savings.

 

Useful Tips

Use Extra Caution: Phishing Scams and Added Protection
Fraudsters continue to target TD Wealth clients through emails, text messages, phone calls, social media, and fake websites that may appear to come from TD. Recently, some clients have received emails containing links asking them to reverify their investment accounts or personal information. TD Wealth has not sent emails asking clients to reverify their accounts through a link.
 

To help protect yourself:

• Watch for urgent requests, suspicious sender addresses, unusual links, or messages requesting confidential information.
• Do not click suspicious links or respond to unexpected messages.
• Never share passwords, PINs, account numbers, or security answers through email or text.
• Report phishing attempts to phishing@td.com.
• Consider adding a Trusted Contact Person to your account.
• Learn more by visiting the TD public fraud protection page: Fraud Protection.
   

How to Check Your Contribution & Withdrawal Totals
Keeping track of your contributions and withdrawals can help ensure you stay within limits and avoid unexpected tax implications.

You can review these details in your monthly statements. Your year-to-date contribution and withdrawal totals are shown at the end of the statement.

 

If you would like to schedule a review of your estate and family planning considerations as part of your broader wealth plan, please contact us and I would be pleased to connect with you.