A Suite of Private Banking, Investment and Wealth Management Services for Medical Doctors

1. Special Edition: Doctors
Being a successful medical practitioner does not simply
end with competent patient care. As you grow your
practice an inevitable increase in 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.
Private Banking
At TD Waterhouse Private Banking we begin, as you
do, with a diagnosis. 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: discreet, confidential
and results-oriented. And it is always based upon a
careful understanding of your unique financial and
investment circumstances. You expect to work with
those in your care 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
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.
A Healthy Retirement
As a self-employed physician, consideration should
be given to your requirement of capital and ability to
generate income after retirement. Likely, you will be
without the significant income supplements available
to other professions (i.e. pensions, stock options) –
this means that taking the proper steps now in building
your retirement wealth is of critical importance in helping
you meet your future expectations.
Integrated Solutions
to Grow and Preserve
Your Wealth
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.
M04190 (0512)
Many doctors find that they must consider downsizing
their lifestyle or having to find additional sources
of revenue as retirement approaches. But by being
pro-active, you will discover how our experienced
TD Waterhouse Private Banking professionals can work
with you to understand your present situation, establish
realistic retirement goals and an appropriate financial
strategy to help you realize them.
Investment Options and Individual
Pension Plans
As a dedicated doctor, 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
incorporated medical professionals 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 medical practitioners 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.
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