TD Wealth

TD Managed Portfolio TD Retirement Portfolio TD Tax Advantaged Portfolio

We bring our best thinking to you.TD Managed Portfolios deliver a professionally managed investment solution that represents the breadth and depth of the firm’s best thinking and a consistent investment process.

When you entrust the management of your assets to the investment professionals at TD Wealth, you have the advantage of some of our brightest minds – and their views on asset allocation, investment selection and risk management – working for you in an ongoing, consistent investment process.

Under the expertise of our firm’s manager research team. TD Managed Portfolios are comprised of a complementary mix of actively managed mutual funds and tactical asset allocation guidance from the TD Wealth Asset Allocation Committee. Since TD Wealth takes an active approach, tactical changes to the asset allocation may be made periodically based on our experts’ investment outlook.

The result is a personalized portfolio that represents our firm’s highest levels of thinking on asset allocation, investment selection and the right combination of funds, which may help to reduce risk.

Securities and investment advisory products: Not insured by the FDIC or any other governmental agency • Not guaranteed by TD Bank, N.A. or affiliates • May lose value.

TD Managed Portfolios

Here’s a look at what you receive with TD Managed Portfolios.

Our firm’s best thinking + Active portfolio

management = TD Managed Portfolios

• An Investment Advisor focused on aligning your life and financial goals

• An integrated advisory solution aligned with TD Wealth’s best thinking that delivers the firm’s intellectual capital through a consistent investment process

• Globally diversified portfolios of tax-efficient mutual fund models designed to meet differing levels of risk tolerance

• Professionally managed portfolios combining our firm’s tactical asset allocation combined with our manager research expertise

• Active management and ongoing monitoring to ensure alignment with your risk profile

• Comprehensive quarterly performance reporting

• A simple, transparent fee for professional advice and investment management.

Thought Leadership

• Market analysis and research

• Strategic asset allocation recommendations

• Tactical adjustments to navigate market changes

• Ongoing review

Portfolio Management

• Manager due diligence

• Asset allocation

• Investment selection

• Fund monitoring

Implementation

• Implementation of tactical shifts

• Portfolio rebalancing

• Continual oversight and monitoring

• Active risk management

Client Experience

• Client publications

• Quarterly videos

• Client webcasts

• Investment transparency

On a monthly basis, the TD Wealth Asset Allocation Committee formulates asset allocation views, which are then translated through the incorporation of U.S.-specific asset class views from the firm’s manager research group into U.S.-specific investment portfolios.

Next, the translated guidance is communicated through a quarterly investment guide, with a succinct explanation of our firm’s latest views on the markets.

These globally diversified portfolios of mutuals provide an efficient way to implement our firm’s tactical asset allocation guidance and view of the markets. Actual portfolio allocations across client accounts will differ.

The TD Wealth Investment Management team provides expert portfolio management and constructs distinct models designed to meet differing levels of risk tolerance – Conservative, Balanced and Aggressive – with investment

selections geared towards tax-efficient and retirement goals.

Portfolios are actively managed and monitored to ensure alignment with your respective risk profile and keep you on track toward your long-term financial objectives.

We will keep you informed with regular and frequent updates on how your money is being managed.

We start with TD’s best thinking and add value at every step.

In addition to building your portfolio and providing tactical adjustments, the investment professionals at TD Wealth will seek to identify, assemble and monitor a combination of mutual funds that can perform in line with comparative benchmarks in rising markets and manage risk in declining markets over the long term.

We use proprietary filters – with an increasingly demanding screening process – to narrow a broad universe of mutual funds.

Because we understand numbers tell only part of any story, we get to know the people behind the numbers through multiple interviews and due diligence meetings. We look for critical factors we believe are likely to lead to investment success; these include objectivity, independent thinking, creativity, patience, discipline and experience. Most importantly, we analyze managers to select those that will complement each other in strategy and style, and have a positive collective impact on your portfolio.

Careful research goes into the selection of fund managers for your portfolio.

TD Managed Portfolios are comprised of a complementary mix of actively managed mutual funds. In addition, you may select our TD Tax Advantaged Portfolio if you would like to focus on after-tax returns, Our manager research team will identify and assemble portfolios with the potential of improving after tax returns while maintaining your individual risk characteristics with our firm’s view of the markets.

We may also use fund managers that seek out an “information advantage” in less-efficient markets where research coverage is not as extensive and where a manager’s fundamental research can add value.

Fees for active portfolio management are typically higher than passive investments. We believe a well-chosen active manager justifies those higher fees due to the higher potential for excess returns. We carefully select among the actively managed funds that we think have the best potential to outperform the market over the long term.

TD Managed Portfolios are appropriate for investors who have a long-term investment horizon, seek an efficient way to implement the firm’s best thinking and prefer to delegate the day-to-day management of their portfolio to the investment professionals at TD Wealth.

Your portfolio will include a strategic blend of mutual funds.

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Securities and other investment products are not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

TD Private Client Group is a unit of TD Wealth® in the United States, which is a business of TD Bank N.A., member FDIC (TD Bank). TD Private Client Group provides its Clients access to bank and non-bank products and services. Banking, investment and trust services are available through TD Bank. Securities and investment advisory products are available through TD Private Client Wealth LLC, member FINRA/SIPC (TDPCW). TD Asset Management USA, Inc. (TDAM USA) and Epoch Investment Partners, Inc. (Epoch) are federally registered investment advisers that provide investment management services to TD Wealth. TD Bank, TDPCW, TDAM USA, and Epoch are affiliates

TD Bank, N.A. TD Private Client Wealth LLC Member FDIC Member FINRA/SIPC Equal Housing Lender

To find out more about TD Managed Portfolios, contact your TD Wealth Relationship Manager or Investment Advisor.