TD Waterhouse Private Banking offers a suite of integrated wealth management services for lawyers including private banking, investment management, estate planning, and customized retirement solutions like Individual Pension Plans. They take a holistic approach working with clients and their advisors to understand goals and develop long-term strategies for growing, preserving and transferring wealth through various financial products and services. Their team of advisors is specially trained to address the unique needs of legal professionals managing both their practices and complex family financial obligations.

1. Integrated Solutions
to Grow and Preserve
Your Wealth
Private Banking
At TD Waterhouse Private Banking we begin, as you
do, with a process of discovery. Accordingly, before
we make any recommendations we schedule a
conversation with you and (if you wish) your family
members and professional advisors. This discussion
will help us understand the immediate and long-term
goals you and your family share for your work and
career, well-being, home, lifestyle and legacy.
Our approach is like yours: confidential and results-
oriented. And it is always based upon a careful
understanding of your financial and investment
circumstances. You cultivate your client relationships
on a long-term basis. So do we. But, as a prelude to an
initial get-together, it is important that you have a clear
understanding of how we can help meet your needs.
A Suite of Private Banking, Investment
and Wealth Management Services
For many lawyers who have devoted themselves to
establishing and evolving their career, a focus on building
wealth for retirement becomes increasingly important.
At TD Waterhouse Private Client Services, we offer several
specific interlocking financial, investment and advisory
services that can, depending on your circumstances, be
orchestrated to help you and your family create, preserve
and protect your wealth.
Capital Loans
TD Waterhouse Private Banking features a comprehensive
selection of banking and credit solutions, which may
include access to capital loans. Capital loans are loans
made to a professional for investment as partners’ capital in
their professional firm. Capital loans may provide partners
with potentially significant tax benefits and loan facilities
for up to 100% of confirmed capital may be available.
Special Edition: Lawyers
Being a successful lawyer does not end with competent
client care. As you grow your practice an inevitable
increase in the financial issues and time commitments can
be expected. While greater personal wealth brings greater
freedom and opportunity, it also adds to the complexity of
your personal and family financial obligations.
We understand.
And that is why, at TD Waterhouse Private Client Services,
we have created a suite of private banking, investment,
and wealth management solutions especially designed
to help professionals who, like you, have to successfully
manage a unique set of financial issues.
Rao Movva CSWP, CIM, FCSI
Wealth Advisor
416-308-4513
rao.movva@td.com
For more information, please contact me.

2. Current as of February 2012. The information contained herein has been provided by TD Waterhouse Private Client Services and is for information purposes only. The information has been drawn from sources believed to be reliable.
Where such statements are based in whole or in part on information provided by third parties, they are not guaranteed to be accurate or complete. Graphs and charts are used for illustrative purposes only and do not reflect future values
or future performance of any investment. The information does not provide financial, legal, tax or investment advice. Particular investment or trading strategies should be evaluated relative to each individual’s objectives and risk tolerance.
TD Waterhouse Private Client Services, The Toronto-Dominion Bank and its affiliates and related entities are not liable for any errors or omissions in the information or for any loss or damage suffered. TD Waterhouse Private Client Services
represents the products and services offered by TD Waterhouse Private Investment Advice (a division of TD Waterhouse Canada Inc. – Member Canadian Investor Protection Fund), TD Waterhouse Private Investment Counsel Inc.,
TD Waterhouse Private Trust (offered by The Canada Trust Company) and TD Waterhouse Private Banking (offered by The Toronto-Dominion Bank). TD Waterhouse Private Banking is offered to clients of TD Waterhouse Private Client
Services centres. ®/ The TD logo and other trade-marks are the property of The Toronto-Dominion Bank or a wholly-owned subsidiary, in Canada and/or other countries.
M04194 (0512)
Investment Options and Individual
Pension Plans
As a dedicated lawyer, you likely have neither the
time nor perhaps the inclination to manage an
investment portfolio.
At TD Waterhouse Private Investment Counsel, one
of Canada’s largest discretionary money managers
and TD Waterhouse Private Investment Advice, our
full-service brokerage, we can introduce you to a
variety of customized products and solutions and give
you access to realistic money management strategies
designed to help you achieve your retirement goals.
For example, we can offer business owners and
professional corporations the option of an Individual
Pension Plan (IPP).
Allowing for a larger annual tax-deductible contribution
than that permitted through a conventional Retirement
Savings Plan (RSP), an IPP can be structured to give a
potential boost to your overall retirement investment
strategy.
Estate Planning
TD Waterhouse Private Trust provides will & estate
planning and power of attorney services that can
help you preserve and transfer your wealth across
generations. We provide a wide range of estate
and trust solutions to help enhance your wealth,
minimize taxes, give your family peace of mind and
help give you confidence that your wishes will be
carried out as you intended.
Many of Canada’s lawyers are baby boomers, also known
as the “sandwich generation”, and are caught between
the conflicting demands of caring for children, aging
parents and other family members. You too may find
yourself in this situation.
With our full range of financial and investment services,
we can provide you and your loved ones with solutions
such as assistance with the day-to-day management of
finances for an elderly parent or relative. We can also refer
you to professionals who provide elder care and health
services, should the need ever arise.
IPP Contribution Example
Illustrated here is the first year IPP maximum advantage for an
individual with earnings of $132,333 and past service from 1991
(and without any offsetting required RSP transfers and unused
contribution room to be applied towards past service):
Age
2012
2012 IPP
Contribution
2012 RSP
Contribution
2012 IPP
Maximum Advantage
40 $ 87,260 $22,970 $ 64,290
45 $140,060 $22,970 $117,090
50 $197,260 $22,970 $174,290
55 $258,860 $22,970 $235,890
60 $329,260 $22,970 $306,290
62 $357,860 $22,970 $334,890
Source: TD Managed Investment Solutions. January 2012
Note: Typical IPP suitability includes clients over age 40 with an annual income over $100k in T4 earnings.
Ideal for business owners, incorporated professionals and highly-paid executives. Employer must be willing
to set up, administer and fund the IPP.