Jerome So

In the 25 years working with pension managers, advisors and investors in the financial industry, I gained invaluable insights on what are important to my clients.  I believe my clients deserve measureable CLARITY on defining their goals and we work together collaboratively in creating the achievable PLAN to help them get there.  


My clients need advice on their retirement and wealth planning more than ever before. The changing market requires changing insights. The recent low interest rate environment and market volatility have created tremendous challenges for pre-retirees and retirees. Imagine taking a life-long road trip but faced with navigating the foggy paths every day. With my process, approach and deep resources at TD, along with the support from my clients, I truly believe I can help my clients discover what are important to them and their families, and create a PLAN to help them reach their goal.

I manage my clients' QUIET WEALTH through personalized wealth planning. Quiet Wealth is more than just money. My clients should be able to enjoy what they want, when they want and how they want.

With the 11 Wealth Planning considerations, our engaging Life Discovery is the first step in creating clarity of how all aspects of our life are inter-related.  After all, Life is full of many ‘ifs’. 

Pre-retirees and Retirees -
Through the important phases of Life Transitions, my clients are likely faced with these questions –

1.    Can I retire?
2.    How much income do I need and where my cash flow comes from? 
3.    For business owners, what is the business succession plan?
4.    How about leaving a Legacy to the next generations?
5.    Would one consider Charitable Giving?

Medical Professionals -
Investment strategies with assets in Holding Co, Operating Co., Investment Co. and Family Trusts.  With the deep resources at TD Wealth, I work my clients to effectively reduce any gaps between taxes, investment and wealth planning. 



I am fortunate to have found my soul mate and wife Karen when we were in Oklahoma.  Together, we have two beautiful children Aidan and Jenna who are almost 16 and 14 years of age.  They play a lot of ice hockey.  Almost every day, you can find us in local hockey rinks.  When my family are still at sleep in the mornings of weekends, I enjoy my road cycling with my buddies very early in the mornings.