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Rodney Miller and Associates

Sound investment advice built to help weather all market conditions

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With a uniquely modern and analytical approach, we advise affluent private clients, foundations and corporations - across Canada and three continents, who have life long time horizons, complex accounts and a goal to minimize risk.

Our contemporary portfolios are designed to match the beat of the economy. Multiple asset classes help them perform in the current environment of historically-low interest rates, high volatility and inflated asset valuations. Our goal is to keep pace with opportunities and limit vulnerability to market downturns.

Beginning with robust risk priority management, we prioritize pain tolerance over growth objectives. Rather than aiming for a particular return, we manage the potential for pain and loss to reduce volatility and downside risk, seeking higher Sharpe ratios and lower dependence. Our objective is to allow your portfolio’s underlying investments to generate returns commensurate with your goals, in a comfortable and measured manner.

We distill information and summarize performance reporting using current electronic technology to respect the time constraints of our busy clientele and minimize paper.

Losing money hurts. Euroscientific research has shown using MRI technology that the human brain experiences financial loss similarly to the way it experiences a physical attack. In very real terms: it causes pain. This fact is an essential component of RISK PRIORITY MANAGEMENT, providing a critical catalyst as to why and how we manage risk.

Alternative investments boost diversification. Rather than allocating assets traditionally (60% equity/40% bonds), we remain style-agnostic to embrace the entire spectrum of opportunities:
  • We have the skills to perform complete due diligence  and  deploy hedge funds, options* and derivatives strategies, private equity, private debt, unconstrained funds  real assets, insurance strategies for tax and estate planning, and other vehicles.
  • We also diversify across underlying sources of return.
  • Seeking value, we combine direct, active investment mandates (for assets with limited liquidity, smaller size or large complexity) as well as passive funds (for assets where the opposite is true).
We favour momentum-driven and value-driven names, following a proven discipline to identify securities that have demonstrated high or poor returns over the past three to twelve months.

Our most important benchmark is achieving your desired outcome, not outperforming the market or limiting ourselves exclusively to current economic conditions. We can help you invest for your lifetime focusing on real net returns. Our goal (once we’ve minimized unintended, unrewarded risk exposure) is to help you achieve your real, relevant, long-term objective for a positive rate of return as tax-efficiently as possible – throughout your lifetime and for your next generation.

We believe in absolute transparency. We give clients a clear vision of what they hold in their portfolios, right down to the studs. We are also completely forthright and always fully and plainly disclose all fees.

Discretionary wealth management brings you several advantages:

  • By entrusting investment decisions to our team, you enable us to respond quickly to time-sensitive opportunities and risks.
  • A customized Investment Policy Statement (IPS) based on your objectives, comfort and financial situation sets the guidelines, asset allocation and diversification of your portfolio.
  • One transparent, asset-based fee:
    • Lets us focus on driving your portfolio’s success without worrying about the cost of individual trades
    • We offer tailored wealth plans in consultation with the TD Specialists in estate planning, insurance, philanthropic service and business succession planning
    • Fees charged to non-registered investment accounts may be tax-deductible. Please consult your tax advisor to see how this relates to your personal situation

We can help you invest responsibly. We strive to invest in entities that behave with consideration for environmental and social decency.

Working closely with TD Commercial Bankers, we can help our institutional and corporate clients to preserve, grow and transfer wealth; document and safeguard valuable information to preserve the organization’s value and transferability; prepare for an optimized sale or smooth succession; and provide sophisticated lending where appropriate.

Our close liaison with TD Private Bankers brings our private clients complex credit strategies, tax-effective borrowing, premium deposit accounts as well as specialized banking and cross-border services, lending, consulting and execution where applicable.

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*A high degree of risk may be involved in the purchase and sale of options and may not be suitable for every investor. The risk of loss in trading securities, options and futures can be substantial. Investors must consider all relevant risk factors, including their own financial situation before trading. A higher level of market knowledge, risk tolerance and net worth is required.Rodney Miller and Associates is a part of TD Wealth Private Investment Advice, a division of TD Waterhouse Canada Inc. which is a subsidiary of The Toronto-Dominion Bank. All trademarks are the property of their respective owners.


Branch Office: (416) 944-8762
Branch Fax: (416) 929-2151


Meet The Team

We're redefining private wealth management.

At TD Wealth Private Wealth Management, we believe in taking the time to discover what truly matters to you.  You'll have access to a team of the most integrated specialists in the industry who will get to know what's important to you before getting to your numbers.  It's private wealth management redefined, brought to you by one of the largest private wealth service providers in Canada.


You have questions, I have answers. Let's have a quick chat.

Market Commentary

Build your understanding of investment concepts and stay current with ongoing market trends. Choose from a variety of helpful daily, monthly, and quarterly newsletters and resources.

What the high-flying loonie could mean for your investments

The Canadian dollar has been hovering near a 6-year high against the U.S. dollar. Kim Parlee speaks with Michael Craig, Head of Asset Allocation, TD Asset Management, about the rise of the loonie, where it’s headed, and possible investment implications.

How an LGBTQ2+ tour operator is surviving the pandemic

Out Adventures saw their bookings vanish when COVID-19 hit. Fortunately they were able to pivot and find success when a new opportunity arrived.

TD Economics

The analysis covers the globe, with emphasis on Canada, the United States, Europe and Asia

Monthly Perspectives | 2020, We Hardly Knew Ye

Investors, eager for the spell of 2020 to be lifted, are now turning to a collection of annual outlooks to get a sense of when that's going to happen. Meanwhile, in our little corner of the world, we do our best here to discourage overreliance on such forecasts and instead focus on what we know for sure: how to make decisions when uncertain things occur.

The Risks We Take

Who we are and how we behave can have a big impact on the financial and investing risks we take. Here are a few details from the most recent TD Wealth Behavioural Finance Industry Report, 2021 - A Behavioural Perspective on Risk (the “study”). Consider these findings the next time you talk to your advisor.

Build back better: Ottawa tables multi-billion dollar budget

Ottawa released a federal budget aimed at leading the country through the COVID-19 crisis and to a post-pandemic economic recovery. Kim Parlee speaks with James Marple,  Senior Economist, TD Bank, about the government’s plans to build the economy back.

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