Hey there. I actually ended up selling TD and BMO not too long ago and purchased National Bank.
Toronto Dominion is going through some relatively ugly situations right now. Although all the banks do it, they've been placed in the spotlight for shady tactics by advisors and in addition to this, they're now likely going to face more fines when it comes to their money laundering situation.
Right now there's a bit too much negative PR here for me and I have a feeling we could see some possible shifts in management when this all resolves itself.