What We Do

These services and processes form the foundation of our offering, and we deliver them through a process that’s efficient, yet thorough.

The 12 Tenets of Our Wealth Management Approach

Comprehensive financial plan to gain clarity and a roadmap for your lifetime financial strategy

Individual goal strategies with specific requirements and written plans for every goal

Implementation process and thorough progress updates on your goals and action items

On-track reports summarized and personalized to help maintain progress and clarity

Best-in-class money management to assess and determine how best to position your assets to achieve individual goals

Asset management strategies focused on clear risk parameters, tax- and cost-efficiency tactics and annual due diligence

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Tax planning checklist to help you keep more without altering spending or earning

Estate Planning Organizer©️ and the Beneficiary Audit Service to develop and clarify your estate plan and intergenerational goals

Cash flow and retirement income planning that includes short-term and long-term funding strategies, specialized accounting software and tax-efficiency tools

Risk management process to assess any risks and potential blind spots, as well as address insurance needs

Planning organizer to help simplify your life by getting your total financial household in order

Success tracking and document management to help you stay organized and stay on track to your goals

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Our additional services and features for business owners include:

Succession planning and defining an exit strategy around your vision for the future

Business valuation and guidance to help maximize the value of your business

IPPs and other retirement tax strategies

Clarifying and optimizing your income streams for tax, cash flow and retirement needs

Executive pension and benefits review

Strategies to help maximize the value of your deferred and equity compensation

Exploring consultative and partial retirement options

Comprehensive guidance through the retirement transition

Our additional services and features for executives include*:

“From our very first meeting to the present, Lance’s professionalism and knowledge has given us the confidence that our portfolio is being managed with competence, even as the markets fluctuate. Equally important, Lance always addresses our questions, listens to our concerns and with the help of his large TD Wealth network has helped us structure our finances according to our present lifestyle wants, as well as our future needs.”**

R. Stelzl & M. Fardella

Business Owners
Clients since 2017

Know Your Team

Lance Scott,

B.Comm, CIM®️, CFP®

Portfolio Manager, Investment Advisor
TD Wealth Private Investment Advice

For more than a decade, Lance Scott has been developing a comprehensive suite of investment and wealth management strategies to serve his clients. His expertise has evolved into a specialization around business owners, executives, and the personal and financial components of the retirement transition.

Lance is a graduate of the University of Guelph (B.Comm), where he majored in Management Economics and Finance. He has also earned some of the highest professional designations available in the Canadian financial industry, including Fellow of Canadian Securities Institute (FCSI®), Certified Financial Planner (CFP®) and Chartered Investment Manager (CIM®).

Lance and his wife Stephanie have three sons, Grayson, Edison and Eliot. He is an avid sportsman who plays hockey, golf and slo-pitch. A member of the Ingersoll Rotary Club, he is also part of the coaching team for Dorchester Minor Hockey.

Kassem Saadedine

Client Service Associate

Kassem Saadedine supports the design and execution of the team’s strategic investing and integrated financial services. He also works alongside Lance to provide day-to-day support for client accounts. Prior to joining TD Wealth in January 2014 as a Client Service Associate, Kassem worked in relationship management with American Express, building relationships with business owners across Canada. A graduate of Fanshawe College, he has a Business Finance Diploma.

Kassem enjoys spending time with his wife Miri Hawil, a nurse at Victoria Hospital, and walking their chihuahua at The Fanshawe Conservation. He also plays volleyball, both indoor and outdoor.

Network of TD Specialists

Our team relies on specialized support to deliver a full range of services. These specialists include: 

Ryan Carter CPA, CA, CFP®

High Net Worth Planner –
TD Wealth Advisory Services

Kevin Butler

Business Succession Advisor – Wealth Advisory Services

Phil Ball

Estate Planning Advisor –
TD Wealth Insurance Services,
Wealth Advisory Services

Patrick Mullin

Tax and Estate Planner – Wealth Advisory Services