We work with business owners, professionals and families whose investments need to support several parts of their lives: a business, retirement, family commitments or the transfer of wealth to the next generation.

As part of TD Wealth Private Investment Advice, we manage portfolios in-house and work with your other professional advisors on the plans around them.

Selling a business brings a new set of decisions. How much of the proceeds should remain available? What income will you need? Which funds belong in corporate accounts and which in personal accounts?

We help you separate near-term cash needs from money that can be invested for longer. We work with your accountant, lawyer and TD specialists on tax, estate and succession questions, then agree on an investment mandate suited to your needs.

You do not need to be selling a business to have these questions. Retained earnings and ongoing corporate investments also need to be considered alongside your personal finances.

You may need income from the portfolio today while also setting money aside for children or future generations.

We discuss those competing needs and work with your professional advisors on estate and succession plans. With your agreement, family members can join discussions about the investments and their future responsibilities.

Your lead advisor is your main contact, supported by our investment and client service teams.

We select an appropriate mandate from The Charter Group’s model framework based on your goals, time horizon and risk tolerance. We revisit that choice when your needs change.

The first discussion covers your current arrangements, upcoming decisions and what you want from an investment team. We explain how we invest, how the relationship works and what you would pay.