If a customer had increased savings as their main personal financial goal, what steps would you take to get them started down the right path?

"After getting to know the customer's needs, my first step would be educating them on setting a personal budget that allows for savings. I would look at their monthly income versus their monthly expenses while considering their variable spending every month. Customers are often dumbfounded by how much they spend wastefully. While the customer makes the final decisions, I can use my expertise to help guide them on their savings journey."

"The first and most important step to this process is helping the customer truly see their financial situation by delving into their income and expenses. Based on that analysis, the customer then decides which of the factors of income and expenses can be altered to help increase their savings. From there, I would work with them on the best methods for saving and would take a personalized approach to recommending savings accounts or money market accounts with TD Bank."