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Raymond Cruz

Senior Portfolio Manager

  • CFA®
  • CFP®

Working together to help you achieve what truly matters to you

What We Believe

Our clients' needs and goals are deeply personal.

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With over 18 years of financial services and investment experience, I am actively focused on providing comprehensive wealth management solutions to individuals and families, estates and trusts, and charitable and business organizations. 

As a Senior Portfolio Manager within TD Wealth Private Investment Counsel, I am committed to providing my clients discretionary portfolio services with comprehensive understanding of the markets and application of specialized knowledge. I hold the Chartered Financial Analyst and Certified Financial Planner designations.

Going beyond the financial picture

It all starts with our client Discovery process. This utilizes the principles of behavioral finance, which provides an in-depth look into your financial picture, wealth personality, and financial blind spots. Together, we will develop strategies that will help you achieve what matters to you, which is deeply personal and unique to you.
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My role is to create a fully integrated and comprehensive plan for my clients, by ensuring the appropriate specialists are engaged when required, to apply their specialized knowledge to a particular situation. This can range from investment management, to estate planning, and to credit and insurance needs. I believe that this relationship is crucial to my clients' evolving needs from the accumulation of wealth to the preservation and transitioning of their wealth through the various stages of their lives.

I look forward to working with you. We are committed to helping you meet your personal and financial goals knowing that you are working with a dedicated financial professional.


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ADDITIONAL CONTACT

Toll Free: (877) 667-6866

LANGUAGES

English, Filipino

EDUCATION

Bachelor of Business Administration (BBA), Schulich School of Business, York University

The Danger of Sunk Costs

Meet The Team

We're redefining private wealth management.

At TD Wealth Private Wealth Management, we believe in taking the time to discover what truly matters to you.  You'll have access to a team of the most integrated specialists in the industry who will get to know what's important to you before getting to your numbers.  It's private wealth management redefined, brought to you by one of the largest private wealth service providers in Canada.

REQUEST AN APPOINTMENT

You have questions, I have answers. Let's have a quick chat.

Market Commentary

Build your understanding of investment concepts and stay current with ongoing market trends. Choose from a variety of helpful daily, monthly, and quarterly newsletters and resources.

Alternative investments: Beyond fixed income and equities

Alternative investments, once the domain of institutional investors, are fast becoming a viable asset class for high net worth investors.  Kim Parlee speaks with Ted Welter, CIO, Alternative Investments, TD Greystone Asset Management.

When one senior is ill but their spouse is healthy

Kim Parlee speaks with Nicole Ewing, VP, Tax and Estate Planning, TD Wealth, on what to do when a senior needs to sell the home for enhanced healthcare while their spouse remains healthy.

TD Economics

The analysis covers the globe, with emphasis on Canada, the United States, Europe and Asia

Monthly Perspectives - The Final Act

The recent bout of volatility has brought out both the doomsayers and the dreamers. However, neither reality is an accurate portrayal of the current market environment.

Current Perspectives

Trumps, Tariffs and Trade Wars.

Do you know someone who would benefit from my services?