1 TD Wealth Financial Planning 2025 Winter Offer
New and Existing clients of TD Wealth Financial Planning (including TD Wealth Financial Planning Direct) can earn one or more cash awards (collectively the "Award(s)") by transferring in $150,000 CAD or more in investable assets from another Canadian financial institution(s) or TD Canada Trust account by following the criteria outlined below (the "Offer"). The Offer is available starting November 1, 2024 and ends on January 31, 2025.
New clients of TD Wealth Financial Planning (including TD Wealth Financial Planning Direct) can earn an Initial Transfer Award. New and Existing clients of TD Wealth Financial Planning (including TD Wealth Financial Planning Direct) can earn a Cash Back Award and an Ongoing Transfer Award. Details for each of these Award(s) are set out below.
New and Existing clients must work with their Financial Planners to initiate the transfer-in process. Any branch deposit would not qualify for Cash Back Award as described more fully below.
Eligibility: New and Existing TD Wealth Financial Planning clients are eligible for the Offer.
New clients: "New" TD Financial Planning clients must meet the following requirements:
- Do not have any eligible TD Wealth Financial Planning account during the period of November 1, 2023 to October 31, 2024 inclusive;
- Any eligible TD Wealth Financial Planning account must commence on or after November 1, 2024.
Eligible "Account(s)" for the Offer:
- Tax-Free Savings Account (TFSA)
- Registered Personal or Spousal Retirement Savings Plan (RRSP)
- Registered Education Savings Plans (RESPs)
- Retirement Income Funds (RIFs)
- Non-registered account types
Account(s) not eligible for the Offer:
- Locked-in registered account types
- Non-personal accounts
- Registered Disability Savings Plan (RDSP)
To be eligible for the Offer, a client must:
- Be a New or Existing TD Wealth Financial Planning client, with Account(s) in good standing at the time of participating in the Offer. Good standing requires that their account(s) to be open and must not go into a debit position.
- Be the age of majority in their province or territory by January 31, 2025.
- Be a legal resident of Canada.
- Meet the requirements below.
How to qualify for the Offer:
Initial Transfer Award Details (For New TD Wealth Financial Planning Clients only)
1. New TD Wealth Financial Planning clients can earn a $250 Initial Transfer Award by opening a TD Wealth Financial Planning account(s) and initiate transfer(s) of $150,000 (CAD) or more in investable assets from another Canadian financial institution(s) or TD Canada Trust account, to their New TD Wealth Financial Planning account(s) ("Qualifying Assets") by January 31, 2025, noting:
a. The Qualifying Assets must be held in the TD Wealth Financial Planning account(s) until November 28, 2025.
b. Transfers originating from existing TD Wealth Financial Planning (including TD Wealth Financial Planning Direct), TD Direct Investing, TD Easy Trade™, TD Wealth Private Investment Advice, TD Wealth Private Trust and TD Wealth Private Investment Counsel accounts are not included in the Qualifying Assets.
c. Qualifying Assets must be transferred to a personal or spousal Registered Retirement Savings Plan (RRSP), personal or spousal Retirement Income Fund (RIF), Registered Education Savings Plan (RESP), or Tax-Free Savings Account (TFSA) ("registered")1, or non-registered account types only (together, each a "Qualifying Account"). Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Wealth Financial Planning.
d. Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that account type. USD balances will be converted into CAD to determine eligibility; and
e. Where a client transfers assets into multiple TD Wealth Financial Planning accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into those account(s) on the date the assets are deposited.
2. Withdrawals, de-registrations or transfers of assets made from any qualifying TD Wealth Financial Planning account between November 1, 2024, and November 28, 2025 (the "Qualifying Period") will be subtracted from the value of the Qualifying Assets. If such withdrawals, de-registrations, or transfers during the Qualifying Period reduce the amount of the client's Qualifying Assets, the client may receive a lower award or no award based on the Initial Transfer Award description above. If the client makes contributions after January 31, 2025, withdrawals equal or less than the amount of those contributions will not affect the value of the Qualifying Assets.
Cash Back Award Details (For New and Existing TD Wealth Financial Planning Clients)
1. New and Existing clients can earn a 1% Cash Back Award by initiating transfer(s) of $150,000 (CAD) or more in investable assets from another Canadian financial institution(s) and/or TD Canada Trust account to their TD Wealth Financial Planning account(s) ("Qualifying Assets") by January 31, 2025, subject to the following:
a. To qualify for the Cash Back Award, a minimum of $10,000 CAD in investable assets must be transferred from another Canadian financial institution that is not affiliated with TD Bank Group.
b. 1% Cash Back Award is calculated on the portion of the assets transferred from another Canadian financial institution. No Cash Back Award is given on portion of the assets transferred from TD Canada Trust.
c. The maximum Cash Back Award is $1,500.
d. The Qualifying Assets must be held in the TD Wealth Financial Planning account(s) until November 28, 2025.
e. Clients must work with their Financial Planners to initiate the transfer-in process. Any branch deposit would not qualify for Cash Back Award.
f. Qualifying Assets must be transferred to a personal or spousal Registered Savings Plan (RRSP), or personal or spousal Retirement Income Fund (RIF), Registered Education Savings Plan (RESP), or Tax-Free Savings Account (TFSA) ("registered")1, or non-registered account types only (together, each a "Qualifying Account"). Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Wealth Financial Planning.
g. Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that account type. USD balances will be converted into CAD to determine eligibility; and where a client transfers assets into multiple TD Wealth Financial Planning accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into those account(s) on the date the assets are deposited.
2. Withdrawals, de-registrations or transfers of assets made from any qualifying TD Wealth Financial Planning account between November 1, 2024, and November 28, 2025 (the "Qualifying Period") will be subtracted from the value of the Qualifying Assets. If such withdrawals, de-registrations, or transfers during the Qualifying Period reduce the amount of the client's Qualifying Assets, the client may receive a lower award or no award based on the Initial Transfer Award description above. If the client makes contributions after January 31, 2025 withdrawals equal or less than the amount of those contributions will not affect the value of the Qualifying Assets.
Ongoing Transfer Award Details (For New and Existing TD Wealth Financial Planning Clients)
New and Existing clients are eligible to receive a $100 Ongoing Transfer Award if they:
1. Qualify for the Initial Transfer Award (New clients) or qualify for the Cash Back Award (Existing clients).
2. Set up or increase at least one Monthly Contribution Plan ("MCP") or Pre-Authorized Deposit ("PAD")2 for transfer into at least one TD Wealth Financial Planning account noting:
a. The minimum set up amount for a new MCP or PAD must be $25 (CAD) for MCP and $25 (CAD) for PAD; or
b. Existing MCPs or PADs in Qualifying Accounts can be increased by any amount.
3. Complete the first transaction under the new MCP or PAD instructions by January 31, 2025.
Further Terms and Conditions:
- To receive the Award(s), a client must keep their qualifying account(s) in good standing with TD Wealth Financial Planning. Good standing requires that their account(s) to be open and must not go into a debit position.
- The maximum total Award per New TD Wealth Financial Planning clients for the Initial Transfer Award, Cash Back Award, and Ongoing Transfer Award is $1,850 CAD.
- The maximum total Award per Existing TD Wealth Financial Planning clients for the Cash Back Award and Ongoing Transfer Award is $1600 CAD.
- Transfers made or an MCP/PAD set up by a joint account holder will be attributed to the account holder who has the joint account's tax slip issued in their name.
- Non-personal, professional and locked-in registered accounts do not qualify for this Offer.
- Employees of TD Bank Group are eligible for this Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- This Offer cannot be combined with any other TD Wealth Financial Planning offer. If you do not wish to participate in this Offer, please notify your TD Wealth Financial Planner.
- TD Wealth Financial Planning will reimburse transfer fees incurred to move funds from another financial institution to a TD Wealth Financial Planning account.
- This Offer is not transferrable.
- Cancellation of MCPs and PADs require 3 months' notice.
- There may be tax implications associated with the Award(s). Clients should consult with their personal tax advisor for more information. For registered plans, the Award(s) will be paid directly to the plan and is not considered a contribution.
- Interest, dividends, and account fees will be excluded from calculations used to qualify accounts.
Terms of Award Payment:
TD Wealth Financial Planning will pay the Award(s) in CAD to client's qualifying account(s) by February 9, 2026.
Where the client's Qualifying Assets are transferred to a single account, the Initial Transfer Award and the Cash Back Award will be deposited into that account. Where the client's Qualifying Assets are transferred to multiple accounts, the Initial Transfer Award and the Cash Back Award will be divided and deposited to each account in proportion to the value of the Qualifying Assets transferred into each account.
Where a client sets up a new MCP or PAD in multiple Qualifying Accounts, the Ongoing Transfer Award portion of the award will be divided and deposited into those accounts in proportion to the value of transfers into each Qualifying Account between the day(s) the MCP and/or PAD are created or increased to qualify, and January 31, 2025.
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