TD
Toronto Dominion Bank
stock NYSE

I am not a trader. However, I have tried to "swing trade" a few times. I watch youtube videos of many folks, and read up about it on the internet to see if what they say has any basis, and then take my chances. When I heard the PLTR was getting into S&P, I upped my position by >200% and it went well. Something that I will never forget is GME trade.
Burry's Game Stop (GME) buy had made a lot of noise. Fortunately for all of us, when the 13F came out (which is usually after 3 months of the trade transaction), GME was still at $2.5. I bought an insane number of them. Later, I was in the process of moving my account from Etrade to TD Ameritrade. Etrade guy told me that they do not give you cost basis so I better store them before moving the stocks. He said that they are forced to give the cost basis if I liquidate the assets. To make life simple, I liquidated the whole thing before moving my account. I forgot to buy back GME after moving to TD Ameritrade, and it squeezed to $350 at one point in time.
What was even more disappointing was bitcoin investment (so this is not exactly a trade example). I was going to buy a ton of BTC in 2013 and had called coinbase about it. At that time, the process was so painful just to open an account with them, that out of laziness, I did not open the account. I still bought some in 2017 but not nearly as how much I was planning on buying in 2013.
Trading and investment needs a lot of discipline and the inner resolve on following the plan no matter how hard it gets. That has been my lesson. Not only have I made a mistake once, I have made the same mistake multiple times. I guess I was am dumb that I don't even learn from a single mistake but have to make it multiple times to learn the lesson.

That may be true but you can't eat on the 18% growth. for an income investor, stable is fine as long they are paying a dividend. The only way you get any cash flow with QQQ is to sell the underlying. This is why the 4% rule or the now 4.7% rule is so flawed.
I understand the theory of 4.7% withdrawal rate in order to maximize the longevity of your savings but again I completely disagree with this "flawed" model, or any other model that has you depleting your next egg. A little history, first off I'm no professional trader or financial advisor but I am extremely diligent in my research, and yes I pay for some advice (Motley Fool, various Seeking Alpha authors, etc) and I've been investing in the stock market since I was 24. I cut my teeth on the [dot.com](http://dot.com/) era. I'm now 54. My very first trade was with Solomon Smith Barney, then when the commissions got too high, I went to Scottrade (home of the $7 trade), then TD Ameritrade, and now with Schwab. 
Back to the flawed or the popular 4% or whatever % withdrawal rate you want to use.  This may work during bull markets, when the theory is the market will grow on average of 7+%, so you'll net 3-4% to make up for inflation and your withdraw, etc.  But during bear markets, you're selling distressed stocks, most likely at a loss, with no growth in your portfolio.  This is why the withdrawal policy is flawed.  Just about anything works in a bull market, what's the saying?  A rising tide lifts all boats.  It's the bear markets that can wreck your retirement plans.
I invest in SWAN stocks (Sleep Well at Night) companies that pay dividends. The income portion of my retirement portfolio holds a mixture of stocks, CEF (closed-end funds, and yes, there are municipal CEF's that the distributions are tax-free) REITs (real estate investment trusts) and ETFs (and even a few covered call ETFs). My portfolio averages 9% yield on cost, not on current yield. This is extremely important to understand. 
I'll use an example of a REIT I own, I'm pushing any securities. IRM (Iron Mountain) current price $84ish, (rose to over $125 a few months ago, but has pulled back; IMO the $125+ was a little exuberant). Current dividend yield 4.1% or $3.46. My cost basis is $30.28, so my Yield on cost is 11.4% (not to mention the 200%+ price appreciation). As the stock has risen so has the payout, but the cost didn't change as I haven't added to this position except DRIPs.  This, again is why yield on cost is so important to understand.
I have a fairly decent-sized nest egg, (growth and income generation) the income portion of my portfolio is just into the 7 figures. At the average overall yield of 9.3% (without adding any more contributions) I net approx. $103K annually without ever having to sell 1 stock. This is real sustainable income for years to come. 
I have a friend who works at Edward Jones, and I've asked her why she doesn't push these types of securities for retirement, and she simply said, if we're not trading, we're not making money. I think "Financial Professionals" really need to look at what a nest egg could really return for their clients.  I don't think I've ever heard of any professionals mention REITs, ETFs or CEF's when it comes to retirement income. If they are mentioning them, it's mostly in a negative tone.  I think it's irresponsible for Financial Advisors to not look at all options. This is just my 2 cents.

How long have you been buying BNS and TD? Do you add regularly or buy on DIPS?

Coop 8% TD. Started 4 yrs ago and I am about to reach 6 digits hopefully this yr of monthly passive income from all across other investment. I also have condotel, holding BNB sa binance gives me also monthly rewards bot less than 5 digits per month. I also have stocks and reits.

Retirement preparedness ideally should be on your late 20s/early 30s. But not too late if your target retirement is 60/65.
Start tracking your NW. Very important. You need to see if your savings and investments are gaining traction.
At your age (same as me) you can still afford to be aggressive. You're at your peak income, so might as well allocate half in savings and retirement investment. A good mix of fixed instruments (TD, MP2) and stocks (ETFs, Index) should be an ideal start point.
I would not recommend to chase dividend, those are for people with large portfolio already. Focus on growth.

I know people with over 10M who get nothing. When it was TD and they had a different rep, they used to get tickets to some sporting events or some thing I forgot what they told me
In fact, they recently moved some of it to another brokerage because they got an $8000 bonus for moving 3M

tos platform is garbage are so many bugs, quirks, and downright errors wit their charging, and they make zero attempt to correct anything. I wast so much having to go back and correcting things, becaise the initial outcomes in such things as date and times for highs. and lows, come in a day to e days off. it used to be a good platform before Td bought it, but TD nor Schwab put any money into it now, and it sucks.

Sounds like TD syndrome.

Also TD Bank with 0% down on 510k. This was back in '21 so better rate at the time, 3.25%. My take home was only 350 not including rvu based bonus. Really easy to work with them

Chuba live TD was such an easy 5x once I saw him getting run

Materials, industrials, makers of War…
RING, RIO, SHLD, XAR, PPA, HII, TD

Not to mention, the most TD imo.

We went through TD bank. 0% down at 6.25 like ~18 months ago. Take home before tax/deductions/etc. 580-600. House cost was 460. I shopped around a fair bit for lenders and TD seemed to be the best by a bit.

Yes, plus 1 on Maya TD.

Even Maya's TD, you can still top up. But literal na TD siya na may penalty if you decide to pre-terminate.

Google: TER vs TD

So I am doing this process (which as I think some folks have mentioned in the comments, is different than prior years on schwab and TD), and after I complete the account selections, and select the cash amount (again, strange as prior years you could just check a box that said full amount conversion or something like that)...
and it says "Distribution Type : Distribution Code 2 - Roth Conversion under age 59 1/2"
is this accurate for a Backdoor Roth conversion???
I'm very worried that I am going to do an accidental Traditional Roth distribution, instead of a Backdoor Roth IRA conversion.

Thanks for the post. I hadn’t seen the news.
My TD stock holds sentimental value - I inherited my TSX shares from my late wife.

Almost 8m spread across:
CIMB Prime TDs (5%p.a. 3months) + liquid Savings (4%p.a)
Maya TD (6%p.a 6months), liquid Savings and 5 goals
Seabank liquid savings (3.5%p.a)
BPI BanKo semi-liquid savings (5%p.a)
If I need a large sum of cash, I’ll just instapay to my 2-3 trad bank accounts then withdraw via ATM. Binabalance ko kasi yung liquidity for emergency purposes so part of consideration is about how quickly I can cash out up to 500k~ during an emergency

I just bought my first pieces from them.
Silver from TD and Costco.
Are they not reputable?