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Tom Ostby

Vice PresidentBranch ManagerInvestment Advisor

  • CFP®
  • CIWM
  • 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

TwitterLinkedIn

Getting to know the full picture

Getting to know what truly matters to you is our top priority. Applying principles of behavioural finance allows me to dig deeper and understand your personality, your goals, your family, and your motivations.

    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.

    Request appointment

    Additional TD Specialists

    Angelique PoutissouTax and Estate Planner

    John NicollsBusiness Succession Advisor

    Ross HagenEstate Planning Advisor

    Alice SungEstate Planning Advisor

    Dugan BattenHigh Net Worth Planner

    Oana PapucHigh Net Worth 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.

    Next-gen tech that could rock the world and your portfolio

    AI, robotics, self-driving cars.  Kim Parlee talks with Vitali Mossounov, technology analyst, TD Asset Management, about these burgeoning tech theme that may change the world and your portfolio. 

    Link

    Is it even worth my time to submit a $2 billing code?

    Two dollars is quite literally pocket change. But if a doctor were to add up all the billings that weren't worth their time or worry, it could represent thousands of dollars in lost revenue. In this special Ask MoneyTalk for health care professionals, Dr. Adam Stewart does the math.

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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 - The Final Act

    The recent bout of volatility has brought out both the doomsayers and the dreamers. However, neither reality is an accurate portrayal of the current market environment.

    PDF Download

    Six Ways to Manage Stress and Stay Healthy

    Sometimes life throws you for a loop and you have little-to-no control over what happens.

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    Ask Money Talk - One big family plan

    Q: I’ve accumulated enough money to worry how my kids will handle it when I’m gone — how can I prepare them?

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    Do you know someone who would benefit from my services?