Responsive. Innovative. Established.
A new approach to tradition
Since 1992, we have been dedicated to the Registered
Plan Trust needs of Canada's fund managers, fund dealers
and brokerage service providers who offer registered plans
to their customers. Today, we are one of the industry's
leading Registered Plan Trustees, overseeing a full range
of registered, tax-deferred savings products and plans, including -
- Retirement Savings Plans (RSPs)
- Retirement Income Funds (RIFs)
- Life Income Funds (LIFs)
- Locked-in Retirement Accounts (LIRAs)
- Locked-in Retirement Income Funds (LRIFs)
- Education Savings Plans (ESPs)
We currently serve as registered savings plan trustee for over five million individual Registered Plan Trust holders in Canada.
Dedicated service specialists
With a combined 20 years of experience in the registered plan business, our team provides ongoing support both before and after the implementation of the tax deferred plan.
When we provide trustee services to you, you act as our agent in the administration of your plans. TD Canada Trust's experts in registered plan administration can provide you with the tools you need to perform your agency function. We are confident that TD Canada Trust has the ability to satisfy your registered savings plan trustee requirements in a professional and cost-effective manner.
Our Registered Plan Trust Services include -
- Filing the RSP/RIF draft application and Declaration of Trust with the Canada Revenue Agency for approval
- Filing the draft application, along with the terms and conditions, with the Canada Revenue Agency for approval
- Filing LIRA/LIF/LRIF addenda with provincial pension commissions, if necessary
- Registering specimen plans with the Canada Revenue Agency
- Obtaining approval of locked-in plans from provincial pension commissions, if necessary
- Providing your team with extensive information regarding legislative requirements and changes
- Providing pre-approved standard documents such as Declarations of Trust, Locked-in Addenda, and ESP Terms and Conditions
- Submitting documentation to governmental and regulatory bodies
- Providing an agency agreement and initial document review
- Setting up trust accounts for uninvested cash
- Forwarding interest payments on uninvested cash (paid monthly) to you
- Providing updates on relevant legislation
- Undertaking periodic reviews of plan administration
We know that you want to make the right decision when it comes to your registered plan trustee. That's why we invite you to take a close look at the many services and competitive fees offered by TD Canada Trust Registered Plan Trust Services.
Competitive fees
We specialize in the role of Registered Plan Trustee. Our focus helps us maintain a streamlined operation that results in exceptional value when it comes to your organization's registered tax-deferred savings products.
Web access
We provide secure, password-protected access to information you need 24 hours a day, seven days a week. You and your team can also keep up with vital industry news and commentary through our "Communicator" newsletter, which includes regular updates on changes to relevant legislation.
Regular reviews keep operations focused
As a Registered Plan Trustee, we are ultimately responsible for your plan's administration. That's why we undertake periodic reviews to ensure that our clients continue to perform their delegated duties and comply with all applicable regulations. We also encourage regular reviews to identify opportunities for improved efficiency and customer satisfaction.
For more information on our Registered Plan Trust Services, e-mail or call Trevor Davids at (416) 982-3120.
Already a client? Access our Frequently Asked Questions and other timely information here, including the Communicator Newsletter, as well as Legislative and Estate Guides.
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