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Overall

TD Ameritrade charges more than its competitors but delivers with fantastic platforms, research, mobile apps, education, and customer service. The all-round experience makes TD Ameritrade our top broker for traders in 2018.

By Blain Reinkensmeyer / February 19th, 2018 / Updated: April 18th, 2018

Dislikes
  • Pricier stock and options commissions
  • Short-term trading fee charged if a commission-free ETF is sold within 30 days of purchase
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TD Ameritrade, a publicly traded online brokerage (symbol “AMTD”), services over 11 million customer accounts and processes over 650,000 trades per day. TD Ameritrade charges more than other brokers, $6.95 for stock trades and $6.95 + $.75 per contract for options trades, but delivers an exceptional offering across the board.

In the process of searching for a well-rounded broker, finding the right mix is no easy task. Trade costs, trade platforms, tools, research, and customer service all are important to investors.

After using a TD Ameritrade account, you cannot help but love the overall experience. The broker charges $6.95 per trade, over twice that of some of the cheaper discount brokers. However, the value and quality delivered is so superior it easily justifies the higher price tag.

Commissions & Fees

While having access to 24/7 customer support, advanced trade platforms, ample research, real-time streaming quotes site wide and more is great; unfortunately, it is expensive. TD Ameritrade charges a flat rate of $6.95 per trade, with options costing $6.95, plus $.75 per contract. That said, commissions rates are much lower than they were a year ago ($9.99 vs. $6.95 today).

Compared to other full-service brokers, TD Ameritrade is on par with ETRADE, but is more expensive than its other two primary competitors, Charles Schwab and Fidelity, which both charge $4.95 per trade. In fact, considering margin costs, TD Ameritrade is tied as the second most expensive broker out of the 13 included in our 2018 Review.

View All FeesTD AmeritradeE*TRADECharles SchwabFidelity Merrill Edge
Stock Trade Fee (flat)$6.95$6.95$4.95$4.95$6.95
Options Base Fee$6.95$6.95$4.95$4.95$6.95
Options Per Contract Fee$0.75$0.75$0.65$0.65$0.75
Mutual Fund Trade Fee$49.99$19.99$76.00$49.95$19.95
Broker Assisted Trades Fee$44.99$25.00$25.00$32.95$29.95
Commission Free ETFs296225244910
Commissions & Fees 3.5 Stars 3.5 Stars 4 Stars 4 Stars 4 Stars

One bright spot is that TD Ameritrade offers 296 commission-free ETFs (Charles Schwab offers the second most, with 244). The only caveat is that, with TD Ameritrade, any commission-free ETF that is sold within 30 days of purchase is subject to a short-term trading fee of $13.90.

Platforms & Tools

When it comes to platforms and trading tools in 2018, for the seventh year in a row, TD Ameritrade is on top.

While there are many attractive features in TD Ameritrade, the broker's flagship platform, thinkorswim, is its bread and butter.

TD AmeritradeFidelity E*TRADEMerrill EdgeCharles Schwab
Desktop Platform (Windows) Yes Yes Yes Yes Yes
Charting - Indicators / Studies3971661187341
Charting - Drawing Tools2222332215
Option Chains - Total Columns3326306234
Watch Lists - Total Fields51485112216108

Thinkorswim is designed for advanced traders who want complete flexibility and depth. Furthermore, it offers simulated trading and can be used by any customer with no minimums or specific trade criteria required for access. This is an important advantage over both Fidelity Active Trader Pro and ETRADE Pro, which both require minimums for access.

TD Ameritrade thinkorswim platform

Run as a desktop application, thinkorswim is so advanced it is rivaled only by TradeStation. A few clicks of the mouse will have dozens of charts streaming real-time data, and even the pickiest trader will be satisfied with the nearly 400 technical studies available for each chart (highest in the industry), not to mention that each study can be customized thereafter.

TD Ameritrade thinkorswim stock chart

Using thinkScript, thinkorswim’s proprietary coding language, traders can even create their own indicators. This is most like TradeStation’s EasyLanguage, which is the only other broker to offer such functionality. Not only that, but customers can also create their own custom candlestick patterns and use TD Ameritrade’s engine to spot their patterns on stock charts.

td ameritrade thinkorswim thinkScript editor

It’s a dazzling offering of choices that will set your mind spinning – in a good way.

TD Ameritrade's thinkorswim is home to an impressive array of tools. Whether it be company profiling, advanced earnings analysis, plotting FRED data, charting social sentiment, backtesting and replaying historical markets tick by tick, viewing economic and corporate calendars, creating and conducting real-time stock scans, sharing charts and workspace layouts, or performing advanced options analysis, the rabbit hole goes as far as any trader's imagination will take them. It’s a dazzling offering of choices that will set your mind spinning – in a good way.

TD Ameritrade stock hacker

Focusing on two more recent innovations, adding Federal Reserve Economic Data (FRED) and the new earnings analysis tool, investors can begin to appreciate the endless brain hub stationed at thinkorswim’s Chicago office. Starting with FRED, a publicly accessible US Government database of over 400,000 economic data points; think GDP, CPI, treasury rates, median household income, etc. FRED data is used by institutional investors, hedge funds, and other sophisticated trading operations. In its never-ending quest to level the playing field, the thinkorswim team decided to download all the data, process it, build a custom interface to graph it, and brought it to all TD Ameritrade clients free.

TD Ameritrade FRED data

Undoubtedly, what thinkorswim has accomplished is truly mind blowing. The only other way to view this data as seamlessly as thinkorswim is to pay up for a Bloomberg terminal. Once a data set is loaded, it can be tweaked and customized, whichever way the user desires. For sophisticated investors, FRED data is extremely useful in assessing the overall health of the market or specific sectors, which is why institutions pay up to access it via Bloomberg. Thanks to thinkorswim, now any TD Ameritrade client can conduct the same analysis.

Alongside FRED analysis, thinkorswim also launched its new tool for conducting earnings analysis. In my personal trading career, I have analyzed thousands of earnings releases. Heading into an earnings event, the toughest and most time-consuming part is researching historical price action and volatility surrounding previous events, understanding how the earnings were estimated in the eyes of Wall Street, then gauging the significance of any beat or miss. Earnings analysis with thinkorswim does all of this in one clean interface.

td ameritrade thinkorswim earnings analysis

Starting with the top row, five days of price action are plotted before and after each earnings release. Next, volatility is plotted over the same time span followed by an At The Money (ATM) straddle (extremely insightful data for options traders seeking patterns and outliers in options market behavior). Finally, using data from Wall Street analysts and crowd-sourced ratings from Estimize, EPS estimate ranges alongside actual results are clearly plotted, providing an efficient way of assessing the company’s results. The whole experience brings clarity with much less noise. It’s magic.

Both FRED data and the new earnings analysis experience launched in 2016 are two examples of many where TD Ameritrade continues to innovate and push the envelope of what is available for traders. For casual and active traders, earnings analysis with thinkorswim is truly a work of art.

Being a TD Ameritrade customer for well over 15 years now, one of my gripes with thinkorswim back in 2013 and 2014 was the platform’s reliability during volatile markets. On highly volatile and active trading days when there would be a large influx of clients using the system, thinkorswim would lag noticeably – sometimes for lengthy periods. Growing pains are no fun, and while it took longer than customers had hoped for, thinkorswim addressed them all. Thanks to the thinkorswim reskin in 2015, alongside important infrastructure updates in both 2015 and 2016, thinkorswim hums along with no trouble at all. In 2018, active traders can be confident relying on thinkorswim to provide a seamless experience, regardless of the market environment.

Platform thinkorswim aside, TD Ameritrade also has a web-based platform, Trade Architect, which is designed with more casual investors in mind. The tools and functionality are purposely kept simple, and the layout is clean with visual flare. However, there is one major drawback: Trade Architect is flash-based. Flash is an outdated web technology no longer supported by major browsers. With flash enabled in my Chrome browser, everything ran smoothly, bug-free.

TD Ameritrade Trade Architect

From testing every broker, the streaming watch list functionality Trade Architect offers is one of my favorites. It isn't just the superb layout, but also the flexibility, ease of use, and depth of data available. The layout is completely customizable, and it’s great having access to visual data such as quote trends, trade trends, 52-week range, and a strength meter. That said, watch lists on Trade Architect sync with the website but not thinkorswim, which can be a minor annoyance if you use both platforms.

TD Ameritrade Trade Architect Watchlist

The bottom line is simple: when it comes to platforms and trading tools in 2018, for the seventh year in a row, TD Ameritrade is on top.

Customer Service

To score Customer Service, StockBrokers.com partners with customer experience research group Confero to conduct phone tests from locations throughout the United States. For our 2018 Broker Review, 260 customer service tests were conducted over ten weeks. The data collected is institutional grade and sets the current industry benchmarks.

Results:

  • Average Connection Time: 1 - 2 minutes
  • Average Net Promoter Score: 9.3 / 10
  • Average Professionalism Score: 9.1 / 10
  • Overall Score: 9.17 / 10
  • Ranking: 1st (13 brokers)
  • View Infographic

Research

When all 60 variables for Research are considered, TD Ameritrade lacks only two features.

Like its biggest competitors, Fidelity, Charles Schwab, and ETRADE, TD Ameritrade has a substantial research offering. When I pulled up a quote for Apple (AAPL), I found a clean spread of relevant data, including seven different third-party research reports to choose from and read, which is the third highest number in the industry (Fidelity offers 12). The featured research report provider is ResearchTeam, which combines five research providers into one.

TD Ameritrade research stock quote

Providing customers quality research is an extremely competitive challenge. One of the newest launches was the TD Ameritrade Network, the firm’s live streaming financial network, which made its debut in the summer of 2017. Broadcasting is live each day from 7:30 CT to 11:30 CT, and includes a mixture of market analysis as well as trader education. Available to all investors, the network is especially pertinent for current customers, as thinkorswim is the primary platform used and given its depth of functionality, I welcomed any additional exposure to learning platform functionality.

td ameritrade network

For live broadcasting, TD Ameritrade leads the industry currently thanks to its daily broadcasts. Can it compete head-to-head with the mainstream networks such as CNBC, Fox Business, and Bloomberg? No. But it’s a great foundation and quality is self-evident; oh, and there isn’t an endless stream of commercials. Charles Schwab does an excellent job itself with its Schwab LIVE events and one-off videos, but doesn’t offer ongoing broadcasts. Rounding off the big four, I found Fidelity and E*TRADE lag behind in this area.

Beyond video, TD Ameritrade also provides written daily market commentary and analysis through The Ticker Tape. Content is widespread, covering the day-to-day markets as well as general finance, saving, retirement, and trader education. Together with The Ticker Tape, the broker publishes thinkMoney, TD Ameritrade’s quarterly print (and digital) magazine focused on entirely on education.

td ameritrade thinkmoney magazine

On the whole, TD Ameritrade does a nice job with its articles. They tend to lean more towards an audience of traders over, say, long-term investors. This is especially true with education.  For stock and options trading, TD Ameritrade is great. For long-term investing and retirement-related content, I prefer Fidelity Viewpoints and Schwab Insights.

Stepping away from articles and videos, TD Ameritrade’s website is home to a handful of unique research features that provide a unique spin over the competition. First, there is the Social Signals tab and the Peer Comparison tab. Powered by LikeFolio, Social Signals displays both a real-time streaming feed of algorithmically filtered brand-relevant tweets – which I found much better than seeing a list of recent StockTwits tweets – and a summary chart of the most-tweeted brands. Naturally, Social Signals is best used for consumer-focused brands such as Apple (AAPL) or Nike (NKE). In thinkorswim, the data can be charted for more in-depth analysis, which I preferred over just viewing the raw data on the website.

TD Ameritrade Social Sentiment

On the Peer Comparison tab, investors find a clean, customizable chart showing the stock’s performance against its closest industry competitors followed by a comparison table of relevant metrics. Neat peer comparisons are not easy to do, which is where TD Ameritrade stands out. Metrics included in the table are relevant and pruned to the most important. Social Signals data is also tied in. While useful, there is no way to build your own side-by-side comparison table, say a table of just the FAANG stocks, for example, which is disappointing. Fortunately, custom side-by-side comparisons are possible for both ETFs and mutual funds.

TD Ameritrade peer comparison

Speaking of clean design, in late 2017 TD Ameritrade launched an Income Estimator tool, which I immediately gravitated to as my portfolio is currently overweight high-quality dividend stocks. The tool is self-explanatory, just import your portfolio holdings or enter custom positions to view a complete income breakdown.

td ameritrade income estimator

Stock analysis aside, I also enjoyed the on-site charting functionality. With 34 different technical indicators (volume, MACD, RSI, etc.) and easy-to-read, big charts, the experience is as clean as you will find anywhere. I could even pop out the chart into its own window to expand it across my 24-inch monitor. The only downside to the experience is the lack of panning flexibility and zooming on the chart itself. Upgrading to a full HTML 5 charting package down the road would resolve this minor drawback.

td ameritrade stock chart

For the price customers pay per trade, excellent research should be expected. When all 60 variables for Research are considered, TD Ameritrade lacks only two features: displaying the total number of holdings for ETFs, and a country allocation chart for Mutual Funds. Impressive, to say the least. TD Ameritrade finished third behind Fidelity and Charles Schwab for Research in 2018.

TD AmeritradeFidelity E*TRADEMerrill EdgeCharles Schwab
Equity Research - Social Yes Yes Yes No Yes
Equity Research - Metric Comparisons Yes Yes No Yes Yes
Equity Research - Reports712438
ETF Research - Reports Yes Yes Yes Yes Yes
Mutual Fund Research - Reports Yes No Yes Yes Yes

Ease of Use

TD Ameritrade was one of the first brokers to offer an Alexa Skill, and in August 2017 it became the first broker to integrate with Facebook Messenger, embracing the future of artificial intelligence (AI) with its own chatbot.

Making research a seamless experience is just one part of TD Ameritrade’s efforts to make its website easy to use. The site-wide quote bar streams real-time quotes – functionality that Charles Schwab, ETRADE, and Fidelity do not offer – and includes SnapTicket, a quick trade extension that allows stock and option orders to be placed from any page on the site.

TD Ameritrade snapticket

TD Ameritrade also offers a fully customizable sidebar, My Dock, which allows clients to display up to 13 different modules. Modules can be resorted or placed into separate columns, allowing clients with wide-screen monitors to maximize their workflow. While clean and easy to use, I found myself leaving the sidebar collapsed and hidden away. Despite having a 24-inch monitor capable of maximizing the experience, I found it to be a distraction.

TD Ameritrade My Dock

I had to dig deep to find flaws in TD Ameritrade’s customer experience. After many hours of testing and comparing, I found two disappointing items that stood out: The My Account Overview experience and adding additional accounts. The default My Account page is data rich but poorly laid out and I found it to be a poor launching pad into my usual workflow. Enabling My Dock in the sidebar did little to patch the user experience. Charles Schwab Trade Source and Fidelity’s new fully responsive Accounts experience are both superior; I know TD Ameritrade can do better.

TD Ameritrade my account overview

For managing multiple accounts, I found that each new account I created required a completely new username and password. Once established and logged in, I could then link the new account to my primary user ID. This is a subtle difference from other brokers where you can simply create and add a new brokerage account to your same ID with no trouble. Minor? Yes. However, for clients with multiple accounts, it can be a confusing experience first time through.

Back to the benefits of being a TD Ameritrade customer, the broker is continuously innovating and embracing new technologies. TD Ameritrade was one of the first brokers to offer an Alexa Skill, and in August 2017 it became the first broker to integrate with Facebook Messenger, embracing the future of artificial intelligence (AI) with its own chatbot. As I write this review, supported functionality includes quotes, account management (including transfers), stocks and ETFs trading, weekly market recap videos, and educational videos.

td ameritrade facebook messenger stock quote

All in all, TD Ameritrade’s platforms have both casual investors and active traders covered, and the same two-pronged approach is applied to mobile, where two separate apps are offered as well as support for future tech, such as Alexa and Facebook Messenger. No doubt, TD Ameritrade shines in the category Ease of Use.

Mobile Trading

With mobile trading, TD Ameritrade took a different approach by offering not one, but two smartphone apps: TD Ameritrade Mobile and TD Ameritrade Mobile Trader. TD Ameritrade Mobile is designed for new and casual investors, while TD Ameritrade Mobile Trader is designed for the feature-hungry active trader.

Having two separate apps has its pros and cons.

Both apps are supported across the full-spectrum, iOS and Android devices alike. Since apps can differ in features, it’s important to note that all my testing for StockBrokers.com is done in iOS; I’m an iPhone guy.

Having two separate apps has its pros and cons. On the pros side, the apps can hone in on their individual target users and provide a specific experience. On the cons side, it is easy to confuse the two apps initially and not know which one is right for you. Here’s a look at a stock quote in TD Ameritrade Mobile.

td ameritrade mobile stock quote

Looking at specific functionality, TD Ameritrade Mobile Trader is “where the magic happens,” so to speak. The best way to think of Mobile Trader is to think of thinkorswim, in app form. Here’s a look at a stock quote in Mobile Trader.

TD Ameritrade Mobile Trader stock quote

Advanced charting in Mobile Trader, with all 397 technical studies available on thinkorswim, is available alongside a full array of order options. An incredibly smooth interface for advanced equities trades as well as a seamless experience for complex options trades are compelling features. Complex options, futures, and forex are all only supported in Mobile Trader. Regardless, the combination of effective design and advanced trader functionality is the best in the industry.

td ameritrade mobile trader stock chart

On the other end, TD Ameritrade Mobile is best thought of as a natural extension of the TD Ameritrade website. Functionality is still comprehensive, but not as deep as Mobile Trader. Watch lists created on the website or Trade Architect sync with TD Ameritrade Mobile, but not with thinkorswim or Mobile Trader (they only sync with one another). Because of its focus on investors over traders, TD Ameritrade Mobile provides a superior research and education experience. For example, quotes include six third-party ratings and PDF reports from the website, whereas Mobile Trader doesn’t.

td ameritrade mobile watch list

Both apps to be easy to use and well designed. That said, there are a few features I have on my wishlist for 2018. For one, the apps lack a customizable dashboard, which I feel opens the door to much more account personalization. Fidelity is an example of a brokerage that has built a great personalized dashboard. Also, it would also be nice to be able to chart portfolio performance against the overall market and be able to use the stocks, ETFs, and mutual fund screeners available on the website (or use thinkorswim’s Stock Hacker in Mobile Trader).

When all 52 variables are factored in for the Mobile Trading category, TD Ameritrade came away with 95% of possible points in our 2018 Review.

As far as innovation is concerned, TD Ameritrade is the only broker to offer in-app chat support and mobile desktop linking, both for the Mobile Trader app. In-app chat support allows users to use their mobile devices and chat with a customer service agent for live help, which includes screen sharing. Linking enables users to link the thinkorswim desktop platform to the Mobile Trader app. Click on the quotes tab, select a color next to the search bar that matches a chart or similar in thinkorswim, then pull up any quote, and thinkorswim will follow suit.

When all 52 variables are factored in for the Mobile Trading category, TD Ameritrade came away with 95% of possible points in our 2018 Review.

TD AmeritradeFidelity E*TRADEMerrill EdgeCharles Schwab
Watch List Syncing Yes Yes Yes Yes Yes
Charting - Technical Studies3977112232
Stock Alerts - Basic Fields Yes Yes Yes Yes No
Customizable Homescreen No Yes Yes Yes No
Touch ID Yes Yes Yes Yes Yes
Stream Live TV Yes Yes Yes No Yes

Other Notes

Regarding TD Ameritrade’s educational offering, the company was again the only broker to ace the category in our 2018 Review and receive a perfect score (100%).

Regarding TD Ameritrade’s educational offering, the company was again the only broker to ace the category in our 2018 Review and receive a perfect score (100%). Over 200 videos are available, including endless education webinars and articles through thinkMoney magazine and The Ticker Tape. Even more impressive, in 2017 TD Ameritrade opened up all its remaining premium, interactive Investools courses, which previously cost thousands of dollars each, to customers for free. Content is organized into courses with quizzes and the website gamifies learning by awarding points alongside badges to encourage further education.

TD Ameritrade education learning center

TD Ameritrade entered the robo advisor space in 2016 with the launch of TD Ameritrade Essential Portfolios. Read our full review of TD Ameritrade Essential Portfolios.

Final Thoughts

TD Ameritrade is one of those companies that just gets it. They understand their customers and the value of a high-quality user experience.

TD Ameritrade is one of those companies that just gets it. They understand their customers and the value of a high-quality user experience, and they know what it takes to stay ahead of the competition.

Any investor or trader, new or seasoned, will find TD Ameritrade a great fit for their needs. The main gripe with the broker is cost, but what you pay for is what you get, and the quality delivered by TD Ameritrade is undoubtedly worth the extra few dollars per trade.

Methodology

For our 2018 Stock Broker Review we assessed, rated, and ranked 13 different online brokers over a period of six months. In total, we conducted 260 customer service tests, collected 3,796 data points, and produced over 40,000 words of research. How we test.

References

View all TD Ameritrade Fees & Features
Blain Reinkensmeyer

Reviewed by Blain Reinkensmeyer Blain heads research at StockBrokers.com and has been involved in the markets since placing his first stock trade back in 2001. He developed StockBrokers.com's annual review format seven years ago, a format broker executives consider the most thorough in the industry. Blain currently maintains funded accounts with more than a dozen different US-regulated online brokers and has executed thousands of trades throughout his career. He enjoys sharing his experiences through his personal blog, StockTrader.com.

TD Ameritrade Competitors

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Ratings Overall

Summary

Offering of Investments
Platforms & Tools
Research
Customer Service
Banking

Best in Class

2018
2 of 13

Overall
  • Overall
  • Offering of Investments
  • Platforms & Tools
  • Research
  • Customer Service
  • Mobile Trading
  • Ease of Use
  • Education
  • Active Trading
  • Options Trading
  • New Investors
2017
1 of 16

Overall
  • Overall
  • Offering of Investments
  • Platforms & Tools
  • Research
  • Customer Service
  • Mobile Trading
  • Ease of Use
  • Education
  • Active Trading
  • Options Trading
  • New Investors
2016
2 of 5

Overall
  • Overall
  • Offering of Investments
  • Platforms & Tools
  • Research
  • Customer Service
  • Mobile Trading
  • Education
  • Active Trading
  • Options Trading
  • New Investors
2015
1 of 5

Overall
  • Overall
  • Offering of Investments
  • Platforms & Tools
  • Research
  • Customer Service
  • Mobile Trading
  • Education
  • Active Trading
  • Options Trading
  • New Investors
2014
1 of 5

Overall
  • Overall
  • Platforms & Tools
  • Research
  • Customer Service
  • Mobile Trading
  • Education
  • Active Trading
  • Options Trading
  • New Investors
2013
1 of 5

Overall
  • Overall
  • Platforms & Tools
  • Research
  • Customer Service
  • Mobile Trading
  • Education
  • Active Trading
  • Options Trading
  • New Investors

All pricing data was obtained from a published web site as of 02/20/18 and is believed to be accurate, but is not guaranteed. The StockBrokers.com staff is constantly working with its online broker representatives to obtain the latest pricing data. If you believe any data listed above is inaccurate, please contact us using the link at the bottom of this page. For stock trade rates, advertised pricing is for a standard order size of 500 shares of stock priced at $30 per share. For options orders, an options regulatory fee per contract may apply.

TD Ameritrade, Inc. and StockBrokers.com are separate, unaffiliated companies and are not responsible for each other’s services and products. Options are not suitable for all investors as the special risks inherent to options trading may expose investors to potentially rapid and substantial losses. Options trading privileges subject to TD Ameritrade review and approval. Please read Characteristics and Risks of Standardized Options before investing in options. Offer valid for one new Individual, Joint or IRA TD Ameritrade account opened by 9/30/2018 and funded within 60 calendar days of account opening with $3,000 or more. To receive $100 bonus, account must be funded with $25,000-$99,999. To receive $300 bonus, account must be funded with $100,000-$249,999. To receive $600 bonus, account must be funded with $250,000 or more. Offer is not valid on tax-exempt trusts, 401k accounts, Keogh plans, Profit Sharing Plan, or Money Purchase Plan. Offer is not transferable and not valid with internal transfers, accounts managed by TD Ameritrade Investment Management, LLC, TD Ameritrade Institutional accounts, and current TD Ameritrade accounts or with other offers. Qualified commission-free Internet equity, ETF or options orders will be limited to a maximum of 250 and must execute within 90 calendar days of account funding. No credit will be given for unexecuted trades. Contract, exercise, and assignment fees still apply. Limit one offer per client. Account value of the qualifying account must remain equal to, or greater than, the value after the net deposit was made (minus any losses due to trading or market volatility or margin debit balances) for 12 months, or TD Ameritrade may charge the account for the cost of the offer at its sole discretion. TD Ameritrade reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Please allow 3-5 business days for any cash deposits to post to account. Taxes related to TD Ameritrade offers are your responsibility. Retail values totaling $600 or more during the calendar year will be included in your consolidated Form 1099. Please consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules. (Offer Code 264) TD Ameritrade Inc., member FINRA/SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2017 TD Ameritrade.

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