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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.

ADDITIONAL CONTACT

Toll Free: (877) 667-6866

LANGUAGES

English, Filipino

EDUCATION

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

Getting to know the full picture

Helping you achieve your vision of success

We take the time to get to know you and understand your vision for the future. Our team of professionals can work with you and your family to develop an effective plan to help you make that vision a reality.

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.

U.S. election and your portfolio: Don’t let your politics foil your investments

Whether your politics are progressive, conservative, or somewhere in between, letting your political views drive your investment decisions could be detrimental to your bottom line. Kim Parlee speaks with Marko Papic, Chief Strategist at Clocktower Group, and author of, "Geopolitical Alpha"

Don’t let those unexpected savings just sit there

Despite major headwinds in the economy, many Canadians have been saving a record amount of money this year. If you have extra cash right now, here are four ways it can help power your goals.

TD Economics

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

Monthly Perspectives | What Now?

What ever happened to certainty? Since February when COVID-19 became a global concern, we’ve experienced unimagined extremes many of which are beyond the confines of this monthly financial market update.

The Soul of the Fed

What’s that sound? That would be the collective sigh of relief emanating from C-suites across the U.S. and around the world yesterday, as executives (and their employees) register the good news that the Fed has delivered.

MoneyTalk - Questions investors are asking amid the COVID-19 pandemic

Anthony Okolie recaps the biggest news of the day including the latest COVID-19 developments, followed by a conversation between Kim Parlee and Brad Simpson, Chief Wealth Strategist, TD Wealth, about the recession, recovery, and finding a bottom for the market.  

Do you know someone who would benefit from my services?