TD Bancnorth Investment Group, in Waterbury, Conn., is an independent registered broker-dealer providing personal, corporate and small-business banking services. The firm also provides insurance investment banking and wealth management services. The bank provides online banking, e-bill paying, checking, savings, money market, credit card, debit card and loan facilities. Additionally, personal banking facilities include certificates of deposit, individual retirement accounts, loan payment center, private banking facilities, mortgage and home equity loans, higher education programs and tax centers. Corporate and small business services include merchant services, leasing, government banking and international services. The bank provides homeowners, automobile, personal items and umbrella insurance, employee benefit packages, property and casualty protection, voluntary payroll deduction plans and alternative risk solutions. Investment planning services include retirement planning, investment strategies, brokerage services, estate consultation, goal planning and college planning. It s wealth management services include personal investments, personal trusts, estate planning, institutional investments, retirement plan services, charitable trust management, charitable gift planning and corporate trusts.