Carmen de Guzman

Carmen de Guzman

Wealth Advisor




Working together to help you achieve what truly matters to you



(604) 654-3228


(604) 364-2406

Office Location

700 West Georgia Street 18th Floor - Pacific Centre Vancouver, BC V7Y 1B6. map

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It Is All About 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.

About Me

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








Certified International Wealth Manager

Community Involvement

Sports Celebrities Festival committee member

Our Process

Your wealth management experience

Initial Discovery

Our in-depth discovery process focuses on understanding your priorities and goals in order to better support them.

Proactive Reviews

Get curated insights, timely updates, and regular reviews of progress towards your goals and adjust as your needs evolve.

Personalized Strategies

Get holistic wealth management strategies tailored to your goals with exceptional investment management expertise.

Our People

Through our discovery process we'll connect you to a relationship manager who, based on your specific needs, can build a team of specialists around you to help achieve your vision of success.

Your Relationship Manager

Portfolio Management
Investment Advice
    Private Banking
Estate and Trust Services
Wealth Advisory Services
Direct Investing
Small Business Banking
Commercial Banking
Capital Market Services

Helping achieve what truly matters to you and your family.

Our wealth solutions focus on four key areas in order to ensure you receive a personalized wealth plan you can feel confident in.

Build net worth: We can help you build your net worth by developing effective strategies and investment solutions that align to your needs, even as they evolve.

Protect what matters: By leveraging the expertise of TD specialists, we can integrate strategies to help you protect what matters to you most at every life stage.

Implement tax-efficient strategies: We can work with you to help create and structure your accounts to help reduce tax exposure while keeping income available for when you need it.

Leave a legacy: Your legacy is important to us. We’ll help you create a plan that provides for your top priorities and optimizes the transfer of your wealth.

Our Services

Your goals are our priority so when you work with us, you have access to experienced professionals across all our products and services. Whether you need answers about wealth strategies, retirement planning or transfer of wealth, we're here to help.

Our Clients

You've worked hard to get where you are today. Now's the time to maintain, grow, and protect your net worth. Get tailored advice, solutions, and strategies that can help achieve your goals.

Nick & Justina – Business owners teaming up with TD Wealth

Putting finances into perspective

As small business owners, Nick and Justina make a powerhouse team, supporting each other through ups and downs. As parents, they worry about how potential challenges with the business could impact their family’s future. Nick and Justina teamed up with their TD Wealth advisor to build a personalized financial plan. With a plan in place, they finally saw that achieving their family’s goals while maintaining the business was possible. Find out how the right financial advice helped give them a brighter view of life.

Polly – Moving forward with the right financial plan

Empowering Polly to achieve financial success

When Polly moved to Canada, she was determined to build a great life for her family. Years of hard work and resilience paved the way for success, but when faced with the unthinkable, Polly was left to start again, leaving her with feelings of uncertainty. Find out how with the help of her TD Wealth advisor and a personalized financial plan Polly was able to take charge of her family’s financial future.

Your unique goals

You've worked hard to get where you are today. Now's the time to maintain, grow, and protect your net worth. Get tailored advice, solutions, and strategies that can help achieve your goals.

Market Commentary

Build your understanding of investment concepts and stay current with ongoing market trends. Choose from a variety of helpful daily, monthly, and quarterly newsletters and resources.


The 2022 MoneyTalk tax checklist

While it may not be a cause for celebration, any signs of normalcy - even doing our taxes - could be welcome given the uncertainty we’ve experienced in recent months. Here’s a quick guide that we hope will help you as you prepare to file.


Money Talk

Cut out the noise.
Hear what matters.
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TD Economics

The analysis covers the globe, with emphasis on Canada, the United States, Europe and Asia


Monthly Perspectives: Institution Evolution

If you’re looking for proof of resilience and adaptability in the face of historic change, look no further than the TD Wealth Annual Investment Strategy Conference.


Bank of Canada hikes rates, signals more to come in fight against inflation

The Bank of Canada hikes interest rates to 0.50%, the first increase since 2018, as it warns about higher inflation and a “major new source of uncertainty” related to Russia’s invasion of Ukraine. Anthony Okolie speaks with James Orlando, Senior Economist, TD Bank, about the central bank’s efforts to tame rising prices.