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Carmen de Guzman

Wealth Advisor

  • CIWM
  • PFP®

Working together to help you achieve what truly matters to you


I work with high net worth clients and their families to discover and help them achieve what matters most to them.  With wealth comes complexity, and it is my responsibility to make things simpler and easier by providing a holistic strategic plan in tune with your needs and the needs of those you care about. Every person is unique, therefore every plan is unique and individualized.  My role is to get to know you and your family on a deeply personal level, learn about your values, priorities and goals, and work together over the long-term to achieve your vision of success. 

As a Wealth Advisor, I don't manage investments - my role is to understand what is important to you, what keeps you up at night, and what your immediate priorities and long-term goals are.  I will then bring in the appropriate TD specialist into the conversation and will create a wealth strategy with specific next steps to help ensure you achieve your personal goals.  Our approach is anchored in four key wealth pillars - building net worth, implementing tax-efficient strategies, protecting what matters, and leaving a legacy.



I take the lead, somewhat like a quarterback, and assemble a team of TD specialists to assist in the areas that are specific to what you want to accomplish.  These can include preparing an estate plan, optimizing tax efficiency, planning for retirement, business succession planning, investment management, and charitable giving.  I always stay involved  - as life happens, priorities change, and we will modify/create strategic plans together as your needs and new goals arise.  I , along with your TD client strategy team, will be here to help.


At TD Wealth, I am committed to providing an exceptional client experience that begins with comprehensive discovery and taking the time to understand your unique needs, circumstances and long-term objectives.  We use a distinct discovery process using behavioural finance that will take you through a series of behavior questions to get to the root of how you make decisions.  The result is a personalized wealth strategy that will highlight your unique tendencies and how we can work best with you, and next steps with top priorities articulated by you based on what matters most right now.  We each have unique blind spots and tendencies when it comes to making financial decisions and being aware and having a better understanding allows us to frame a strategy to ensure you reach your goals.  



I started as a teller with Canada Trust in 1993 while finishing my undergrad at UBC and loved getting to know the clients.  This led to a banking career with TD spanning over 26 years in gradually senior roles, always with a focus on relationships - on people.  I love what I do and am dedicated to my clients, take a personal interest in their families, and take as much time as it takes to understand their unique vision and goals with genuine care and compassion. 

I hold the Certified International Wealth Manager (CIWM) and Professional Financial Planning (PFP) designations, and have a Bachelor of Arts in Economics. I feel strongly about giving back and always involved in the community -  currently a member of the Sports Celebrities Festival committee to benefit Special Olympics BC and Canucks for Kids fund as well as the Homes for the Holidays committee for Kids Help Phone. 

During my spare time, I love to travel, read, stay active (including efforts to improve my golf game) and get outside whenever I can to enjoy the beautiful west coast. On weekends, you will most likely find me being a soccer mom on the pitch cheering on my daughters, ages 13 and 15, play.


Toll Free: (877) 654-8875




B.A. Economics, University of British Columbia, Certified International Wealth Manager, Professional Financial Planner


Homes for the Holidays, Kids Help Phone committee member, Sports Celebrities Festival committee member

Why Markets May Swing With the Seasons

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.


You have questions, I have answers. Let's have a quick chat.

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