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Tom Ostby

Branch ManagerInvestment Advisor

  • CIWM
  • CFP®
  • FCSI®

Working together to help you achieve what truly matters to you

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Tom Ostby

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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.





ADDITIONAL CONTACT

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

LANGUAGES

English

EDUCATION

Simon Fraser University - BBA, CFP, CIWM, FCSI

COMMUNITY INVOLVEMENT

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

SOCIAL LINKS

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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.

Meet The Team

Sherine Lal

Client Service Associate


Fiona Yip

Manager Client Service


Wealth Considerations

Investment Strategies

Banking and Credit Management

Retirement Planning

Protecting Your Assets

Tax Management

Passing on Your Wealth

Education Funding

Business Succession Planning

Planning for Major Purchases

Charitable Giving

Investment Strategies

An investment strategy is an ongoing process that helps to keep the mix of assets in your portfolio aligned with your goals.

REQUEST AN APPOINTMENT

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

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Additional TD Specialists

Angelique PoutissouTax and Estate Planner

Ross HagenEstate Planning Advisor

Alice SungEstate Planning Advisor

Jo-Anne RyanVice President, Philanthropic Advisory Services

Luke MlynarczykTax and Estate Planner


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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.

U.S. economy: Signs of resilience help to ease recession worries

While markets brace for a possible U.S. recession, there are signs of optimism. Thomas Feltmate, Senior Economist at TD, tells Greg Bonnell that resilience in both employment and consumer spending may be indication of a less gloomy outlook than previously expected.

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New real estate changes for 2023: what they might mean for you

If you're buying, selling or renovating a home this year, there are two real estate tax changes you should know about: a new anti-flipping tax and the multigenerational home renovation tax credit. Julie Seberras, Senior Manager of Wealth Planning Support with TD Wealth, joins Kim Parlee to dig into the details and why they may matter to you.

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TD Economics

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

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Monthly Perspectives: Institution Evolution

If you’re looking for proof of resilience and adaptability in the face of historic change, look no further than the TD Wealth Annual Investment Strategy Conference.

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Bank of Canada hikes rates, signals more to come in fight against inflation

The Bank of Canada hikes interest rates to 0.50%, the first increase since 2018, as it warns about higher inflation and a “major new source of uncertainty” related to Russia’s invasion of Ukraine. Anthony Okolie speaks with James Orlando, Senior Economist, TD Bank, about the central bank’s efforts to tame rising prices.

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The 2022 MoneyTalk tax checklist

While it may not be a cause for celebration, any signs of normalcy - even doing our taxes - could be welcome given the uncertainty we’ve experienced in recent months. Here’s a quick guide that we hope will help you as you prepare to file.

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