Td Ameritrade Investment Management Llc

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Is Essential Portfolios Right For You

The field of robo-advisors has gotten crowded in recent years, to the point where many of these services are beginning to look the same. With Essential Portfolios, the pricing , service offerings and portfolios are comparable to other services on the market.

A standout feature what you wont find at most other robo-advisors is the exhaustive list of account types. Overall, Essential Portfolios is a solid option for a hands-off digital solution.

Dayana Yochim contributed to this review.

Methodology

How do we review robo-advisors? Heres our methodology.

NerdWallets comprehensive review process evaluates and ranks the largest U.S. brokers by assets under management, along with emerging industry players, using a multifaceted and iterative approach. Our aim is to provide an independent assessment of providers to help arm you with information to make sound, informed judgments on which ones will best meet your needs.

DATA COLLECTION AND REVIEW PROCESS

RATING FACTORS

Evaluations vary by provider type, but in each case are based upon the weighted averages of factors that include but are not limited to: advisory and account fees, account minimums and types, investment selection, investment expense ratios, trading costs, access to human financial advisors, educational resources and tools, rebalancing and tax minimization options, and customer support including branch access, user-facing technology and mobile platforms.

FACTOR WEIGHTINGS

INFORMATION UPDATES

THE REVIEW TEAM

Powerful Resources For Your Advisor

TD Ameritrade offers Landmark Wealth Management smart operational solutions, innovative technology, flexible investment products, and above all else, impeccable service. These offerings are designed to support Landmark Wealth Management in pursuing your investment goals.

TD Ameritrade understands Landmark Wealth Managements need for innovative and reliable technology that streamlines the entire trading and account management process. Their platform provides them with the technology needed to improve efficiencies and better manage your investments-including the ability to place trades, monitor holdings, and access a wealth of research information.

Their broad product offering always give you choices:

• Mutual funds-we can choose from more than 13,000 mutual funds.
• Equities-Choices include foreign and domestic stocks and initial public offerings .
• Fixed-income instruments-We offer a wide variety of bonds, unit investment trusts , preferred stock, and fixed-rate capital securities.

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Td Ameritrade: Mobile Experience

TD Ameritrade has an equally robust mobile investing experience. StockBrokers.com also voted TD Ameritrade the best for mobile trading and for platform/tools. Similar to its desktop services, TD Ameritrade provides two mobile apps the TD Ameritrade Mobile app and the TD Ameritrade Trader app that offer features that fall in line with the standard and thinkorswim web platforms, respectively.

As a credit to TD Ameritrade, the firm has managed to squeeze many of its desktop perks into its mobile apps, and this is especially evident with the base TD Ameritrade Mobile app. You can not only monitor your current investments and overall investment portfolio, but you can complete trades as well. The app even lets you view investment charts, quotes, news and research.

While the services of the thinkorswim platform are laid out better in its desktop incarnation, TD Ameritrade has done an admirable job turning it into a mobile offering with the TD Ameritrade Trader app. The same in-depth investment analysis and data thats on your computer is available in the palm of your hand. You can set up news, market and update alerts through the app to give yourself the ability to stay on top of your investments at all times.

For Apple users, these apps are also available for the Apple Watch. Between the Android and Apple app stores, users have rated TD Ameritrade Mobile at 3.5 stars and TD Ameritrade Trader at 4.2 stars.

The Td Ameritrade Difference

When you choose to work with an independent financial advisor, you are choosing two entities: a partner who will help you achieve your financial goals, and a custodian who will store and track your wealth.

This appropriate separation of advice-giving from wealth-holding is one of the attractions of working with an independent advisor.

Landmark Wealth Management has chosen to work with one of the largest and most well respected custodians in the industry- TD Ameritrade Institutional. TD Ameritrade is one of the leading providers of comprehensive brokerage and custody services and more than 4,000 independent advisors have chosen to work with them.

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Your Portfolio: Not Just Our Job Our Duty

• TD Ameritrade Investment Management has a responsibility to follow the fiduciary standard of care. As a registered investment advisor, we have an affirmative duty of good faith to act in the best interests of our clients. Additionally, we must always keep your interests at the forefrontahead of the firms interests.
• TD Ameritrade Investment Management leverages your personal and financial information to create this document, and to recommend a portfolio designed to help you pursue your financial goals.

Careers At Td Ameritrade Investment Management Llc

The company employs 23 people that are either part- or full-time employees. 100 percent of the employees work as investment advisers or researchers. 23 employees are registered as investment adviser representatives with the state securities authorities.

There isnt anyone with the role of looking for and bringing in new clients on behalf of the firm. The firm compensates employees in addition to the salary for bringing in new clients. Employees dont receive compensation from other entities for client referrals.

John Bell has been acting as President since 1 Jul 2009. Keith Denerstein joined the executive team most recently as the Vice President.

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The Security Of Your Assets Is Our Top Priority

With TD Ameritrade, your money is with one of the worlds largest discount brokerage firms, with local branches nationwide. With that comes a commitment to both excellent client service and account information protection.

TD Ameritrade, Inc. is a member of the Securities Investor Protection Corporation . Securities in your account are protected up to $500,000. For details, please see ww.sipc.org. TD Ameritrade also provides $149.5 Million worth of protection for each client through supplemental coverage provided by London insurers. The $149.5 million of coverage includes an additional $900,000 limit on cash in the account. Each client is limited to a combined return of $150 million from a Trustee, SIPC, or London insurers. The TD Ameritrade Insurance Policy does have an aggregate total coverage of $250 million over all customers. This policy provides you coverage against theft following brokerage insolvency and does not protect against loss in market value of the securities.

Youre Our First Priorityevery Time

NerdWallet, Inc. is an independent publisher and comparison service, not an investment advisor. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only. They are not intended to provide investment advice. NerdWallet does not and cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances. Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Our estimates are based on past market performance, and past performance is not a guarantee of future performance.

We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.

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Td Ameritrade Essential Portfolios Review : Pros Cons And How It Compares

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list ofour partnersandhere’s how we make money.

The investing information provided on this page is for educational purposes only. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.

About Standard Advisory Fees

Your annual advisory fee is based on a percentage of the value of assets in your TD Ameritrade Investing Account that are allocated for your ? Portfolio. Our fee is calculated quarterly, applied in advance, and deducted from your account. It is determined by the assets in your account at the end of the preceding quarter, and is charged at the beginning of each quarter. The fee is prorated for accounts that are opened and closed during that quarter. For more information, see the Disclosure Brochure : https://www.tdameritrade.com/retail-en_us/resources/pdf/TDA4855.pdf

Advisory fee: 0.30%

*In connection with this fee, TD Ameritrade charges no commissions for all eligible transactions in TD Ameritrade Investing Accounts. The minimum initial investment is generally $25,000 and is $100,000 for certain business accounts. The maximum initial investment will vary depending on the model and suitability considerations.

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$0 Commissions On Online Stock Etf And Options Trades

Check the background of TD Ameritrade on FINRA’s BrokerCheck

Investments in fixed income products are subject to liquidity risk, interest rate risk , financial risk, inflation risk and special tax liabilities. May be worth less than the original cost upon redemption.

Execution price, speed and liquidity are affected by many factors, including market volatility, size and type of order and available market centers.

Options involve risks and are not suitable for all investors as the special risks inherent to options trading may expose investors to potentially rapid and substantial losses. Options trading privileges subject to TD Ameritrade review and approval. Please read Characteristics and Risks of Standardized Options before trading options.

The risk of loss in trading futures and forex can be substantial. Clients must consider all relevant risk factors, including their own personal financial situation, before trading.

A forex dealer can be compensated via commission and/or spread on forex trades. TD Ameritrade is subsequently compensated by the forex dealer.

Td Ameritrades Acquisition Of Scottrade

In late 2017, TD Ameritrade bought out Scottrade, another massive national brokerage that opened its doors in 1981. With the annexation of Scottrades accounts and funds, the firm now serves a combined 11 million clients with more than $1 trillion in assets. TD Ameritrade finished its complete integration of Scottrade in 2018.

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Where Td Ameritrade Essential Portfolios Falls Short

High account minimum: For a straight digital robo-advisor, a $5,000 account minimum is on the high end of the spectrum there are services that require no minimum investment. However, TD Ameritrade does allow investors to open an account with $500 if they set up recurring deposits.

Small portfolios: These are bare-bones portfolios, as the name of the service implies. The funds that are included cover domestic U.S. stocks, international stocks, domestic U.S. bonds and international bonds. These portfolios lack exposure to real estate investment trusts and commodities, asset classes that some other robo-advisors cover.

Dont Fight The Fed High Five The Fed Be On The Right Side Of Fed Policy Troy Gayeski

Chief Market Strategist Troy Gayeski joins Oliver Renick on TD Ameritrades Morning Trade Live to share his investing outlook during this bear market cycle, and why he believes investments with high levels of cash flow may potentially have a buffer to market volatility.

Watch the video to hear more from Troy.

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Where Td Ameritrade Essential Portfolios Shines

Morningstar-built portfolios: As online brokers have entered the robo-advisory field, some have used their own funds to build portfolios, effectively lining their pockets twice with fund expenses and management fees. TD Ameritrade doesnt have its own funds, so the funds here are nonproprietary. They were recommended by Morningstar Investment Management, a well-respected investment research and advisory firm.

Morningstars guidance here can help investors feel confident that the funds used were chosen because theyre a good fit for the portfolios and risk goals. They also happen to have extremely low expense ratios: Funds carry an average cost of just 0.06%.

Competitive management fee: This is another key fee for investors to compare. TD Ameritrade Essential Portfolios’ 0.30% management fee puts it in line with other robo-advisors launched by online brokers: E*TRADE Core Portfolios also charges 0.30% Fidelity Go‘s fee which includes investment expenses is 0.35% for balances of $50,000 or more and Merrill Edge Guided Investing charges 0.45%.

That said, it is higher than two of the most popular independent offerings: Betterment and Wealthfront both charge a 0.25% management fee for their basic offerings.

Account choice: This is the longest list of account types weve seen from a robo-advisor, including business accounts, which are rarely managed by robo-advisors. No matter what kind of account youre looking for, Essential Portfolios probably manages it.

Td Ameritrade Investment Management: Assets Under Management

The assets under management of Td Ameritrade Investment Management, LLC is $19.69 billion, all of which is managed in discretionary accounts. The firm’s AUM has grown by 57% since the beginning of its operation, and $2.05 billion of the total AUM is attributable to clients outside of the United States.

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The Bottom Line On Td Ameritrade

Because of the overarching appeal of its services, TD Ameritrade should be on every investors list of considerations, regardless of their experience level. The thinkorswim web and mobile platform has an impressive array of research benefits that will help you make informed decisions about where to invest. But if you prefer a more straightforward approach, TD Ameritrades standard online and mobile package will satisfy you.

Which Securities Does Td Ameritrade Investment Management Trade For Itself That It Will Also Be Recommending To Me

TD Ameritrade Investment Management has marked in their disclosures that they trade recommended securities. While this often can be seen as “eating your own cooking,” there are several inherent conflicts that can arise. For example, front running is when a financial professional buys or sell securities ahead of their client. In short, any financial professional should disclose all positions they hold that they will also be recommending to you.

Our system found no other conflict questions to ask. Checks take place monthly.

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Does Td Ameritrade Investment Management Offer Products That Have Performance

When performance-based fees are charged, the financial advisor is paid for outperforming a benchmark, typically an index. While this may seem like an attractive compensation structure to ensure your advisor is making your money work for you, often, the managers of those products are incentivized to take inappropriate risks to beat their performance benchmark. For instance, research has shown that mutual funds that use incentive fees take on more risk that funds that do not, and tend to double down and increase their risk following a poor performance. This could be detrimental to a client during down markets.

Compare To Other Advisors

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