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Tom Ostby

Vice PresidentBranch ManagerInvestment Advisor

  • CFP®
  • CIWM
  • FCSI®

Working together to help you achieve what truly matters to you

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.


Branch Office: (604) 482-5168
Branch Fax: (604) 482-5183




Simon Fraser University - BBA, CFP, CIWM, FCSI


Coach - Coastal Community Football Club, Ride to Conquer Cancer, Habitat for Humanity



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.

Fed rates could stay low through 2023 and beyond

The U.S. Fed keeps its key interest rate on hold while raising its outlook for the economy. But the Fed signaled that low interest rates will last through at least 2023. Anthony Okolie speaks with James Orlando, Senior Economist, TD Bank, about the implications for U.S. economic growth.

What options do snowbirds have this winter?

Canadians who used to fly south regularly may be facing a severely altered vacation landscape this year. Chris Gandhu, a High Net Worth Planner with TD Wealth, speaks to Kim Parlee about what options Snowbirds have for their properties this winter. 

TD Economics

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

Monthly Perspectives | What Now?

What ever happened to certainty? Since February when COVID-19 became a global concern, we’ve experienced unimagined extremes many of which are beyond the confines of this monthly financial market update.

The Soul of the Fed

What’s that sound? That would be the collective sigh of relief emanating from C-suites across the U.S. and around the world yesterday, as executives (and their employees) register the good news that the Fed has delivered.

MoneyTalk - Questions investors are asking amid the COVID-19 pandemic

Anthony Okolie recaps the biggest news of the day including the latest COVID-19 developments, followed by a conversation between Kim Parlee and Brad Simpson, Chief Wealth Strategist, TD Wealth, about the recession, recovery, and finding a bottom for the market.  

Do you know someone who would benefit from my services?