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Goals-based wealth and investment advice
My mission is to combine prudent investment advice with complete, integrated, thoughtful financial planning. As a Certified Financial Planner (CFP®) designation holder, I have extensive knowledge of goals-based wealth planning, which is driven by your unique needs and objectives.
Working closely with a network of TD specialists, I also provide access to sophisticated expertise as needed in areas such as insurance (to prepare for life’s unexpected bumps), tax margin strategies (to help you keep more of your capital), and estate planning (to help you create your desired legacy). In today’s complex world, the advanced expertise and resources of TD Bank Group can help you maximize your financial future.
I begin by helping you to articulate what matters most, what motivates you and what pains you. Then I take steps to address your most urgent needs first. I help my clients get to know themselves better to invest smarter. Not all people want a complex 25-page financial plan, they may simply want to address a specific goal such as knowing “Will I be okay? Will my money last as long as I do?” My role is to work closely with them to provide meaningful answers and strategies.
What sets me apart?
A broader view. As the Manager of the Richmond Branch of TD Wealth Private Investment Advice, I have seen many different business models up-close over the years. The privilege of observing many excellent practices has helped me sharpen the services that I provide to my clients.
A talent for addressing financial complexities. I thrive on providing custom-tailored solutions for people with complicated, interesting situations. Bring me your challenging, diverse goals – I will listen, understand, and do my best to address all your needs efficiently and cost-effectively with clarity.
My clients range from young professionals to retired seniors. All are people who value personalized advice, want to be involved in creating financial solutions, and who value making decisions in partnership with an adviser.
Helping you achieve the future you envision for yourself
My investment advice will be anchored on the Investment Policy Statement I create expressly for you, which documents your goals, return expectations and tolerance for risk. My core investment principles include:
A thoughtful, risk-adjusted asset allocation strategy that honors your return expectations and tolerance for risk.
Prudent value investing in well-managed companies that lead in their industries, demonstrate stable earnings, pay dividends (favouring value over growth), have modest dividend/payout ratios, and generate steady cash flow.
Tax efficiency in every aspect of your financial picture.
Providing the best possible value for fees charged.
Long-term, personal relationships forged through regular contact and candor.
Ongoing monitoring, review and adjustment. Although values remain constant, goals can change over time. I will review your situation and objectives often to make sure our investment strategy and planning approach continue to be appropriate.
Minimizing fees. I generally advise clients to work with me through a combination of fee-based and transaction-based accounts. This helps to minimizes fees. Typically, I concentrate conservative fixed income holdings (that have low returns relative to equities) in registered accounts to maximize tax efficiency and save clients from paying 1% or 1.5% to earn only about 2%. Ask me for more details.
Coach - Coastal Community Football Club, Ride to Conquer Cancer, Habitat for Humanity
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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.
Sher was born in Fiji and since moving to Canada has lived in Vancouver and Richmond. She started her career in banking as a Customer Service Representative with BMO. Sher then took some time off to focus on her two children as a full-time mom.
Sher joined TD Canada Trust in 2000 as a Customer Service Representative. After deciding to research other opportunities within the financial world, she discovered an interest in the Investment field and joined TD Wealth Private Investment Advice in 2006. Sher has completed her Canadian Securities Course, Conduct and Practices Handbook, and is always looking to continue her education to add value to our team through her knowledge and positive attitude.
When not working, her life revolves around family and friends. Sher enjoys reading, singing, creative cooking and enjoys the beauty of nature.
With 7 years of experience in banking and Wealth Management, Fiona Yip is Manager Client Service for the Richmond branch. Fiona works in collaboration with Tom Ostby to meet the day to day operations of the branch and is directly responsible for the management of the branch's Client Service Associates. Fiona enjoys being strategic and creative in finding opportunities for the Richmond branch to excel and adapt to our constantly changing environment. Fiona will be pleased to handle any queries regarding the Richmond TD Wealth PIA branch operations.
Effective banking and credit management helps to organize your day-to-day financial needs in a way that may save you time and money.
Retirement Planning
Retirement planning is an ongoing process that helps you prepare for the years leading up to retirement and throughout what can be one of the most rewarding phases of your life.
Tax management involves arranging your financial affairs in a way that may reduce your overall tax burden by identifying opportunities to utilize available tax incentives.
An Estate plan, along with an up-to-date Will, helps you to provide for the family members, friends and charitable organizations that you want to benefit from your estate and sees to it that your wishes are carried out as you intended.
Planning for the cost of education is a process that can help provide your children and grandchildren with the opportunity to pursue the education and training they need to start their own careers and businesses.
Business succession planning is the process of understanding your personal and business goals and preparing your business for the future transfer of ownership and management to your chosen successor.
Planning for Major Purchases
Planning for major purchases may help you accumulate those items you want now and in the future with the least potential cost of borrowing.
A charitable giving plan identifies the most effective way to share your wealth with your chosen charities. By selecting the right method of contribution you may maximize the amount of money the charity will receive from you.
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You have questions, I have answers. Let's have a quick chat.
The Tax and Estate Planner of the Wealth Advisory Services team applies expertise in estate, trust and tax planning to assist you in developing an estate plan that reflects your personal choices for the future, and the legacy you will leave behind. To help manage your responsibilities, we can work with other TD specialists and external subject matter experts to help identify issues and properly structure your estate in a tax effective manner..
Ross Hagen
Estate Planning Advisor
Your experienced Estate Planning Advisor of the Wealth Advisory Services team will work with you to help you determine the form of coverage for all of your financial and non-financial assets in case of unforeseen events. The strategic use of life, disability, living benefits and annuity products can also help you preserve your wealth, sustain your business and minimize tax obligations.
Alice Sung
Estate Planning Advisor
Your experienced Estate Planning Advisor of the Wealth Advisory Services team will work with you to help you determine the form of coverage for all of your financial and non-financial assets in case of unforeseen events. The strategic use of life, disability, living benefits and annuity products can also help you preserve your wealth, sustain your business and minimize tax obligations.
Jo-Anne Ryan
Vice President, Philanthropic Advisory Services
If you're looking for a way to plan your giving more effectively and create a lasting legacy to support the charities that matter most to you, our philanthropic services provide access to the Private Giving Foundation, the first donor-advised fund program launched by a financial institution in Canada. Our TD specialist will work one-on-one with you and your family to incorporate philanthropy into your overall estate and wealth plans, and help you create a legacy that is meaningful to you.
Luke Mlynarczyk
Tax and Estate Planner
The Tax and Estate Planner of the Wealth Advisory Services team applies expertise in estate, trust and tax planning to assist you in developing an estate plan that reflects your personal choices for the future, and the legacy you will leave behind. To help manage your responsibilities, we can work with other TD specialists and external subject matter experts to help identify issues and properly structure your estate in a tax effective manner..
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.
advisors.td.com/tom.ostby
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