Private client wealth management
We look after capital for families, founders and executives who want a considered opinion rather than a product shelf — and an adviser who still picks up the phone in the years when markets are difficult.
Start here
Most conversations begin with one of these. Pick the closest and we will take you to the part of our practice that deals with it.
Mandates & advisory services
The difference is simply who makes the final call on each trade. Everything else — the research, the planning, the adviser — you get either way.
You set the objectives, the risk budget and the restrictions. From there our investment committee implements, rebalances and reports, without needing to call you before every decision. The mandate is yours to change at any time.
Explore TD Manage
You keep every decision. We bring the research, a second opinion before you act, and a standing review of how the portfolio is drifting away from the strategy you agreed. Suited to clients who enjoy the work and want a sounding board.
Explore TD Advise
Before either mandate, we split your balance sheet into what you need soon, what must last a lifetime, and what is meant for others. It is a simple frame, and it changes how nearly every client invests.
See the approachHow we think
Risk tolerance questionnaires ask how you would feel if markets fell twenty per cent. Useful, but not the point. The better question is what the money has to do, and by when.
School fees, tax bills, a property completion, the buffer that stops you selling equities at the worst possible moment. This money is not invested for return; it is invested for certainty.
The capital that has to outlast you, keep pace with inflation and fund the decades after you stop earning. Here volatility is a cost of doing business rather than a risk to be eliminated.
What passes to children, to a business, or to causes you care about. This pool can take the longest horizon of all, which is precisely why it is so often invested far too cautiously.
Wealth planning
Portfolio returns get the attention. In our experience, the decisions that change a family's outcome most are the ones made about structure, timing and tax.
Can you afford to stop at 58? Should you take the pension or the lump sum? We model your actual balance sheet against realistic spending and show you the range of outcomes, not a single flattering line.
Plan your retirement
Who inherits, in what form, and how do they receive it without a dispute or a forced sale? These are practical questions with emotional weight, and they are far easier to settle while everyone is in the room.
Plan your succession
The right asset in the wrong wrapper can cost more than a bad year in markets. We work with your tax counsel on where assets are held, in which entity, and in which jurisdiction.
Review your structureInvestment products
We decide the allocation first and only then ask which instrument implements it best — and at what total cost of ownership.
Private equity, private credit, real assets and hedge strategies behave differently from listed markets. The trade is liquidity: if you can genuinely leave the capital alone for a decade, you are being paid to do so.
Explore alternatives
Useful when you need a defined outcome — a level of protection, a target income, exposure with a known cap. We will also tell you plainly when a plain holding does the same job for less.
Explore structured products
Held to a standard you set in writing, and reported against it — exclusions, tilts or genuine impact allocations. No badge without the evidence behind it.
Explore sustainable investing
Digital services
The TD client portal consolidates every account we oversee — including assets held at other banks — into one valuation, one performance figure and one document archive.
They were the only firm that told us to spend less time on the portfolio and more on the shareholders' agreement.
Family principalSecond-generation manufacturing group, client since 2019
We hold no products of our own and take no commission from anyone who does. Our fee is a published percentage of the assets we manage, or a fixed fee for planning work — agreed before we start, and the only money we make from your relationship.
Where a rebate cannot be avoided, it is credited to your account rather than kept.
How we chargeInsights
Our House View and research notes, written for clients rather than for the wires.
House View
Real yields have reset the arithmetic of the sixty-forty portfolio. We look at what still earns its place in the defensive allocation.
Read the House View
Private markets
Private markets deserve a place in long-horizon portfolios. They do not deserve every allocation that is currently being pushed towards them.
Read the note
Planning
Most of the value a founder keeps after an exit is decided before the deal is signed, not after the proceeds land.
Read the guide
We are here for you
A first meeting costs nothing and commits you to nothing. Bring your questions; we will bring an honest view on whether we can add enough value to justify our fee.
