About Fred Zhou

I'm Fred Zhou, a Senior Financial Planner at TD Wealth. But more than that, I'm a husband, a father, and a lifelong learner who believes that true wealth goes far beyond what's in your bank account.

Every Thursday, I write a letter to my younger self through my #DearYoungerFred series—reflections on the lessons I wish I'd learned sooner about family, health, and yes, finances too.

My Philosophy

Family. Health. Wealth. In that order.

I've learned that when you get the first two right, the third tends to follow. Financial planning isn't just about numbers—it's about understanding what those numbers are for. It's about protecting what matters most and building a legacy that reflects your values.

Professional Background

• Senior Financial Planner, TD Wealth
• Certified Financial Planner (CFP)
• Over 15 years of experience in wealth management
• Specializing in comprehensive financial planning for families