The Importance of a Customized Plan
You are unique. So are the goals you're working toward in your lifetime. Everything we
do starts with you – with a plan built around your specific circumstance, backed by
decades of experience and the full resources of TD Wealth and its specialists.
Keeping More of Your Hard-Earned Money
We believe the biggest cost in most portfolios is not
the fees you pay or the market volatility
you experience, but rather the taxes you
incur.
At the highest level of taxation, every dollar
saved by you is equivalent to two dollars
earned.
Unlike many advisors, Michael focuses on
increasing your after-tax returns by leveraging
his training as a tax lawyer. Sure, you could
pay more tax. But why?
Core Planning Areas
- Wealth & retirement planning
- Will & estate planning
- Tax minimization strategies
- Business succession planning
- Retirement income optimization
- Charitable giving & legacy planning
- Intergenerational wealth transfer
- Tax-efficient insurance
Private Banking
More wealth means more complexity. Borrowing
strategically, managing cash, navigating cross-
border needs, it adds up. TD Wealth Private
Banking gives you dedicated support to handle
it all, simply and efficiently.
- Tax-effective borrowing
- Complex credit strategies
- Cross-border banking
- Cash management
- Everyday banking solutions
Trust Services
When the time comes, who do you want managing
your affairs? Paying your bills. Protecting your estate.
Looking after the people you love. TD Wealth Private
Trust handles the hard stuff – professionally and with
care.
- Executor
- Power of attorney for property
- Trustee
- Guardianship
- Care Connect
Insurance
If something happened to you tomorrow, would the
people you love be properly looked after? TD Wealth
Insurance Services works alongside your overall
wealth plan to help ensure you're protected.
- Terminal tax minimization
- Tax-deferred investment strategies
- Estate equalization
- Risk management
- Intergenerational transfer of capital
- Critical illness, disability, and long-term care
Charitable Giving
If you want your wealth to reflect your values, the Private Giving Foundation offers a simple, tax-efficient way to give, without the complexity of a private foundation.