St. Croix Wealth Management Team

John St. Croix

Senior Investment Advisor

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John St. Croix

Senior Investment Advisor

519-640-8518

(519) 640-8518

john.st.croix@td.com

John St. Croix of London Ontario leads the St. Croix Wealth Management Team at TD Wealth Private Investment Advice, which endeavors to provide long-term, conservative, reliable investment solutions to business owners, medical professionals, affluent retirees and their families.

John's team develops and implements comprehensive plans that are designed for individuals, corporate accounts and families....but only after fully understanding people. Investment research and wealth planning are personalized for our clients. We want clients to easily understand, be a part of the planning and strategy behind their financial success and, we always work at communicating fully and without industry jargon. This is investment management on your terms.

John's track record spans more than 25 years delivering strong performance and leadership in the investment industry. He began his career with Investors Group and before the age of 30, joined their top ranks. John joined Midland Walwyn Capital in 1994 (subsequently purchased by Merrill Lynch and CIBC Wood Gundy) and became one of the firms top advisors. In 1998, John was also Merrill Lynch's manager of the year.

In 2005, John joined TD Wealth Private Investment Advice London, Ontario branch as Branch Manager and Senior Investment Advisor. John has since left his management role to solely work with clients.

As a former guest contributor to the London Free Press Saturday Business Edition for several years, he has published more than 50 wealth management articles and has authored two books with Uphill Publishing, Tips from the Top and The Baby Boomer’s Guide to Wealth and Investing.

In 2002 John was awarded the Queens Jubilee Medal for public service by Governor General Adrienne Clarkson. ** John has served as a Governor on the national board of the Red Cross, the fundraising committee for the Salvation Army (Center of Hope). John has also been involved in the fights against homelessness, Mental Health and addiction through volunteering and supporting the Good Shepherd Center in his hometown of Hamilton, Ontario.

Lynne Salvail

Associate Investment Advisor

CFP®

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Lynne Salvail

Associate Investment Advisor

CFP®

5196408564

(519) 640-8564

lynne.salvail@td.com

Lynne entered the investment industry in 2000, joining the St. Croix Wealth Management Team in 2011.

As an Associate Investment Advisor, Lynne's primary focus is providing comprehensive financial planning solutions to our clients. From the initial financial planning meeting to working through the process of building long-term integrated wealth management plans, Lynne endeavors to deliver exceptional client service. Additionally, she acts as John's right hand by supporting him through investment research, overseeing client's investments, as well as implementing tax and estate planning strategies.

Lynne is also a Life Insurance Advisor through TD Wealth Insurance Services. She holds the Certified Financial Planner (CFP®) designation, considered one of the highest level of certification in Financial Planning.

Winsy Cheung

Client Service Associate

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Winsy Cheung

Client Service Associate

519-663-1766

(519) 663-1766

winsy.cheung@td.com

Winsy is a graduate of The University of Western Ontario with an Honors Specialization in Criminology (BA).

She has completed the Canadian Securities Course and Conduct and Practices Handbook Course through the Canadian Securities Institute.

As a Client Service Associate, Winsy is responsible for duties such as account opening, keeping client information up to date, transfers, trade execution, and preparing statements for client meetings.

Brooke St. Croix

Administrative Associate

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Brooke St. Croix

Administrative Associate

519-640-8547

(519) 640-8547

brooke.stcroix@td.com

Brooke is our newest member of the St. Croix Wealth Management Team. She holds a Bachelor of Arts, Honors with a Double Major in Psychology and Criminology.

She is working towards completion of the Canadian Securities Course and the Conduct and Practices Handbook Course through the Canadian Securities Institute.

As an Administrative Associate, Brooke assists our team by preparing statements for client meetings, account opening, transfers, and maintaining up-to-date client information.

Additional TD Specialists

Phil Ball

Estate Planning Advisor

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Phil Ball

Estate Planning Advisor

Your experienced Estate Planning Advisor of the Wealth Advisory Services team will work with you to help you determine the form of coverage for all of your financial and non-financial assets in case of unforeseen events. The strategic use of life, disability, living benefits and annuity products can also help you preserve your wealth, sustain your business and minimize tax obligations.

Patrick Mullin

Tax and Estate Planner

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Patrick Mullin

Tax and Estate Planner

The Tax and Estate Planner of the Wealth Advisory Services team applies expertise in estate, trust and tax planning to assist you in developing an estate plan that reflects your personal choices for the future, and the legacy you will leave behind. To help manage your responsibilities, we can work with other TD specialists and external subject matter experts to help identify issues and properly structure your estate in a tax effective manner.

Andrea Payne

Trust Officer

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Andrea Payne

Trust Officer

Your Trust Officer with TD Private Trust provides a full range of Estate and Trust services that includes supporting you with your Will and Power of Attorney for property (POA) planning needs where The Canada Trust Company will act as your executor or attorney, and assisting you when you act as attorney or executor for a family member or friend. Your Trust Officer focuses on building long lasting relationships with you and your loved ones by providing continuity during the implementation of your financial and estate plan. From planning through administration, your Trust Officer supports you in creating a lasting legacy.

Kevin Butler

Business Succession Advisor

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Kevin Butler

Business Succession Advisor

Your experienced Business Succession Advisor of the Wealth Advisory Services team will work with you and your team of external advisors, including lawyers, accountants and business brokers, to help you maximize your business' value, and create and implement a plan for the smooth transfer of your business down the road.

Ryan Carter

High Net Worth Planner

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Ryan Carter

High Net Worth Planner

Your High Net Worth Planner of the Wealth Advisory Services team will work with you and your other professional advisors, when appropriate, to develop comprehensive wealth strategies based on a number of wealth considerations. Among them: creating retirement income streams, estate planning, business and insurance considerations, transitioning your business, accessing sophisticated credit solutions, tax planning and philanthropic planning.

Our Process

We manage your account similar to a pension fund. Never chasing the highest rate of return, taking uncalculated risks, or speculating, we instead invest within predetermined parameters and follow a balanced, conservative approach. Supported by TD Specialists, we engage institutional-quality Portfolio Managers with proven track records who run some of the largest funds and collaborate with the big banks to bring you what we believe is the very best in research, due diligence and investment strategies.

We are committed to full transparency and put your interests first.

Our team strives to deliver unbiased investment advice, with no obligation to recommend the bank’s products or platforms. We find most people are pleasantly surprised about our fair fees; we are very value-conscious. Most of our clients pay an asset-based fee instead of trading commissions, which aligns our interests while helping to lower their costs.

We See The Whole You

Based on your unique circumstances, we'll work with you to understand your goals and unique investment needs to create a wealth plan with tailored solutions including portfolio management, estate and trust services, and tax strategies

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Investment Planning
Will and Estate Planning
Retirement Planning
Personalized Strategies

Investment planning is one of our key strengths and the cornerstone of every wealth strategy

We draw on the expertise of a variety of TD investment professionals and risk management specialists who provide our team with economic and market research. This research helps us not only manage your portfolio, but also identify the opportunities that lie in market shifts as they occur.

At TD Wealth, you will have access to diversified and risk-balanced investment choices that aim to take intelligent advantage of market opportunities.

Transfer your wealth tax-efficiently and according to your wishes with an estate plan.

TD Wealth Specialists work with your family and, when required, tax and legal advisors, to answer questions about:
• Wills, trusts, and estates
• Executor and trustee services
• Strategies to balance your priorities and charitable goals

Retirement is a goal that nearly everyone strives for. However, many have not fully thought through what their retirement will actually look like from a financial perspective. We can help with this.

Estimating what you will need during retirement will involve a blend of personal reflection and number-crunching. If you’re between five to ten years away from retirement, now is the time to sit down with us and review your planning. We can help you estimate your spending and withdrawal patterns over the span of your retirement as well as facilitate your switch from asset accumulation to asset utilization, if applicable. It’s important to look at constructing a flexible, tax-efficient cash flow to pay your fixed expenses, while having a clear sense of your discretionary spending.

Get holistic wealth management strategies tailored to your goals with exceptional investment management expertise.

Meet with us your way

We provide attentive, approachable service and book regular meetings in advance. We speak in clear terms, convey timely market and investing information, and host seminars with top money managers.

St. Croix Wealth Management Team

Additional TD Specialists

Our Process

We are committed to full transparency and put your interests first.

We See The Whole You

Investment planning is one of our key strengths and the cornerstone of every wealth strategy

Transfer your wealth tax-efficiently and according to your wishes with an estate plan.

Retirement is a goal that nearly everyone strives for. However, many have not fully thought through what their retirement will actually look like from a financial perspective. We can help with this.

John St.Croix

Thank you for your submission!

St. Croix Wealth Management Team

Additional TD Specialists

Our Process

We are committed to full transparency and put your interests first.

We See The Whole You

Investment planning is one of our key strengths and the cornerstone of every wealth strategy

Transfer your wealth tax-efficiently and according to your wishes with an estate plan.

Retirement is a goal that nearly everyone strives for. However, many have not fully thought through what their retirement will actually look like from a financial perspective. We can help with this.

John St.Croix

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Thank you for your submission!