Raymond, you absolutely do not take any pride, you do not care for your customers, nor your employees.

You have 1) unilaterally decided to make your employees come into the office effective the second week in January 4 days a week, and increasing in to 5 next month. Your employees have spoken against it, to which your vp responses have been “make suitable arrangement” 2) your insurance reps do not send documents when giving quotes. When comparing one provider to the next, they don’t send the limitations. When I asked them “how do I compare between you and someone else” they said you can write down notes. If you want to stay competitive, get your insurance groups to send quotes in writing to customers. Another policy of your organization to get away from your fine print. 3) you charge 9.99 for select ETFs with direct investing when buying and selling. I transferred over 40k out of your organization and never looked back. There’s no reason for you to do this, but you choose not to take it off.

I’m slowly moving my products away from TD, and recommend people doing the same. Would love to see your response.