Victoria is 58, married and recently retired. She wants to continue enjoying her current lifestyle.

Lily is 47, self-employed and married with children. She tends to be conservative with her income.

Robyn is 38, a nurse, and separated with two children. She is concerned about her kids, and her future.
   
   
* Profiles are based on TD Waterhouse composite client information and
have been adjusted to reflect typical consumer categories.

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