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Raymond Cruz

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 17 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 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.
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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.

Going beyond the financial picture

It all starts with our client Discovery process. This utilizes the principles of behavioural 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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ADDITIONAL CONTACT

Toll Free: (877) 667-6866

LANGUAGES

English, Filipino

EDUCATION

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

One-on-one with Chief Investment Officer Bruce Cooper: Market opportunities and risks in 2019

After seeing declines of nearly 10 per cent in equity markets in December, investors are breathing a sigh of relief. Kim Parlee talks with Bruce Cooper, CEO and CIO at TD Asset Management.

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

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MoneyTalk Life

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TD Economics

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

Monthly Perspectives - Half Full, Half Empty

Managing expectations in a post-stimulus environment

Federal Budget 2019

Putting the Middle Class in Focus

Money Talk Life - Giving it your all and then some

If your work is causing you stress, it may mean more than just burning the candle at both ends. It may affect your health, and the bottom line for your employer. Dr. David Posen, AKA Dr. Calm, talks about the psychology of workplace stress, and what we can do to reign in the pressure.

Do you know someone who would benefit from my services?