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TD AMERITRADE Poll Shows One in Three Adults Do Not Have a Financial Plan for Retirement

Business Wire, March 12, 2008

Thirty seven percent say rising cost of living is their greatest concern regarding retirement

Are Americans underestimating their retirement preparedness?

OMAHA, Neb. -- One in three adults said they do not have a financial plan for retirement, according to a new survey conducted by Opinion Research Corporation on behalf of TD AMERITRADE (NASDAQ: AMTD). Forty six percent indicated they have a written retirement plan and as many as 20 percent said they have a plan but it's in their head.

Thirty seven percent of respondents indicated that the rising cost of living or inflation was their greatest concern regarding their retirement, more than running out of money in retirement (15 percent) or the risk of losing investments or savings in a market downturn (12 percent). Neither age nor household income seemed to be a significant determining factor.

Are Americans underestimating their retirement preparedness?

* Half of adults ages 35 to 54 say they anticipate having to delay their retirement date to allow them to save more.

* Seventy six percent indicated they are planning to earn income during their retirement years and 69 percent take income earned in retirement into account when planning for retirement.

* Fifty nine percent of adults take into account contributions from a spouse or planning partner in their retirement planning.

"Despite the many challenges that planning for retirement presents, there has never been a better time to take control of your financial future," said Bill Vulpis, Managing Director, Investor Group, TD AMERITRADE. "The key is to take the initiative, set realistic goals, and design a retirement plan that will maximize your retirement income."

About TD AMERITRADE Holding Corporation

TD AMERITRADE Holding Corporation, through its brokerage subsidiaries(1) provides a dynamic balance of investment products and services that further the Independent Spirit of individual investors. Listed by Forbes as one of America's best big companies, the Company's full spectrum of services include a leading active trader program and long-term investor solutions, including a national branch system, as well as relationships with one of the largest networks of independent registered investment advisors.(2) The Company's common stock trades under the ticker symbol AMTD. For more information, please visit www.amtd.com.

About Opinion Research Corporation

Opinion Research Corporation, an infoUSA company, has offered innovative solutions to the toughest market research challenges of clients worldwide since 1938. The firm has been conducting national, speech reaction, state and flash/overnight polls for CNN since April 2006. To learn more, visit www.opinionresearch.com.

These results are based on a telephone survey conducted among a random sample of 671 adult Americans who are not currently retired. The survey was conducted February 14-17, 2008 by Opinion Research Corporation's CARAVAN omnibus on behalf of TD AMERITRADE. The margin of error for the total sample is plus or minus four percentage points. Opinion Research Corporation and TD AMERITRADE are separate, unaffiliated companies and are not responsible for each other's products or services.

1TD AMERITRADE, Inc., member FINRA (www.finra.org) /SIPC (www.SIPC.org), receives clearing and custodial services from TD AMERITRADE Clearing, Inc., member FINRA/SIPC. TD AMERITRADE and TD AMERITRADE Clearing, Inc. are subsidiaries of TD AMERITRADE Holding Corporation.

2More info on the Forbes award is available at www.forbes.com/platinum.>