The Optimize Private Client Program
Short answer
What is investment management with Thompson & Pollock?
Thompson & Pollock Wealth manages Canadian household and corporate portfolios through the Optimize Private Client Program: discretionary, pension-style model portfolios plus a written financial plan, personal tax preparation, will drafting and integrated insurance — bundled into one transparent annual fee instead of sold as separate products.
Reviewed by Johnathan Pollock · Updated August 2026
A new chapter for our clients
Elevated service. Deeper expertise. The same trusted team.
Thompson & Pollock Wealth is proud to offer investments in partnership with Optimize Wealth Management — a people-driven, values-based, future-focused firm that takes a holistic approach to every client's financial life.
Through the Optimize Private Client Program, you gain access to something rare: a true family office experience that historically has been reserved for high-net-worth households. With us, every client receives the same comprehensive suite of services — not just the wealthiest few.
Our investment partner
See the full investment platform at Optimize Wealth Management
Portfolio construction, pension-style asset classes, private investment strategies, fund details, performance and disclosure documents live on our dedicated Optimize Wealth Management page.
View our Optimize Wealth pageThe Optimize Family Office Services Program
Four integrated pillars — included for every client
Most wealth firms hand you an investment account. We hand you a fully integrated financial life — built around your goals and monitored as those goals change.
Comprehensive Financial Planning
We design a concrete, prioritized plan that connects your goals, time horizon and tolerance for risk — then monitor and adjust it as your life evolves. Six clear steps: establish goals, develop the plan, evaluate progress, examine assets, implement, and review.
Personal Tax Preparation
Innovative tax preparation built around your situation — whether you're a commissioned salesperson, employee, executive, owner of rental properties, or an incorporated business owner. We look beyond T4s to capture every available credit, deduction, RRSP/TFSA optimization, income-splitting opportunity and corporate-class strategy so you keep more of what you earn — every single year, not just the year you start working with us.
Will Drafting & Updates — Included at No Additional Charge
We draft and execute your personal will as part of the program — and we update it as your life changes (new child, new property, new business, marriage, divorce, a death in the family) at no additional charge. The goal is straightforward: minimize probate fees and taxes for your beneficiaries, ensure your estate is distributed exactly the way you intend, and make sure your will is never the 12-year-old document that nobody remembered to revisit. Most clients also leave with primary and secondary wills (where applicable), Powers of Attorney for property and personal care, and a clear beneficiary strategy across registered accounts and insurance.
Insurance Services
Life, critical illness, disability and corporately owned insurance solutions integrated directly with your wealth strategy — designed to seek both the growth and the protection of your money and your family's financial future. Because the insurance, investment and estate work all happen under one roof, the strategies actually line up.
Why this changes everything
What makes us different from the competition
Compare the Optimize Private Client Program to what a typical bank advisor or independent broker offers and the gap becomes obvious. This is what you receive as a client of Thompson & Pollock Wealth:
- 01
A True Family Office Experience — For Every Client
Most firms reserve family office service for the ultra-wealthy. Through the Optimize Private Client Program, every one of our clients receives the same caliber of integrated planning, tax, estate and investment support — regardless of account size.
- 02
Personal Account Services Included
Dedicated account servicing, proactive reviews and a single point of contact for the moving pieces of your financial life — at no additional charge.
- 03
Will Preparation & Ongoing Updates at No Extra Cost
Your personal will is drafted, executed and kept up to date as part of the program — protecting your estate, your beneficiaries and your legacy without an additional invoice every time life changes.
- 04
Institutional-Grade Portfolio Management
Access to the same pension-style asset classes, private investment strategies and disciplined research process that institutional investors rely on — wrapped inside a personal, plan-driven experience.
- 05
Independent. People-Driven. Values-Based.
Optimize is people-driven, values-based and future-focused. Combined with Thompson & Pollock's decades of relationships in Durham Region and across Canada, you get the warmth of a local advisor and the depth of a national wealth platform.
Investment solutions
Institutional-grade portfolios, built around your plan
The Optimize Funds and Model Portfolios bring together pension-style asset classes, private investment strategies and a disciplined research process — held inside the registered or non-registered account that best fits your tax and retirement strategy.
Optimize Model Portfolios
Professionally constructed, risk-rated model portfolios that combine the Optimize Funds into a complete, diversified solution aligned to your goals and time horizon.
Pension-Style Asset Classes
Diversification across traditional and private asset classes — the same approach used by large pension plans — to pursue more stable, long-term outcomes.
Optimize Premium Yield Fund
Designed to deliver attractive, risk-managed yield through a blend of income-generating public and private investment strategies.
Optimize Growth Equity Fund
A globally diversified growth strategy targeting long-term capital appreciation through high-conviction public and private equity exposure.
Optimize Core Equity Fund
A core equity allocation built on quality businesses and disciplined portfolio construction — the foundation of long-term wealth.
Optimize Global Equity Fund
True global diversification across geographies and sectors, managed to capture opportunities outside Canadian borders.
Optimize Dynamic Asset Allocation Fund
An actively managed mix of equities, fixed income and alternatives that adapts as market conditions change.
Optimize Diversified Income Fund
A broad-based income solution combining fixed income, dividend equities and private credit for steady cash flow.
Optimize Money Market Fund
Capital preservation and liquidity for short-term cash needs and reserves.
Registered & Non-Registered Accounts
RRSP, TFSA, RESP, RDSP, RRIF, LIF, LIRA, corporate and non-registered accounts — structured to optimize tax efficiency at every stage of life.
Investments in Optimize Funds and Model Portfolios may only be made by Optimize, on behalf of clients in the Optimize Private Client Program. This page is informational and is not a solicitation or offering document.
Bank advisor vs. independent broker vs. the Optimize Private Client Program
The three ways a Canadian household typically gets investment advice, and what is actually included in each.
| What matters | Bank branch advisor | Typical independent broker | Optimize Private Client Program |
|---|---|---|---|
| Investment shelf | Proprietary funds | Varies by dealer contracts | Institutional model portfolios with private asset classes |
| Written financial plan | Sometimes, as a sales tool | Often extra | Included and monitored |
| Personal tax preparation | Not offered | Not offered | Included |
| Will drafting and updates | Referral only | Referral only | Included, updated as life changes |
| Insurance integrated with the plan | Separate department | Product-led | Coordinated with the investment and estate strategy |
| Who you deal with | Reassigned regularly | Your broker | Your local planner plus a national investment team |
| Fee transparency | Embedded in fund MERs | Mixed | One stated annual percentage |
General comparison of common Canadian service models. Not a statement about any specific institution or firm.
Where investments fit with everything else
Portfolios do not exist on their own. If you are an incorporated owner, the account structure follows the corporate and buy/sell planning. If you have a defined benefit pension, the portfolio decision comes after the commuted value analysis. If you employ people, the group retirement plan and group benefits sit alongside your own accounts. And every client's estate side is covered by insurance planning and a will that is actually kept current.
Investment management: common questions
- What is the Optimize Private Client Program?
- It is the investment and family-office platform Thompson & Pollock Wealth delivers in partnership with Optimize Wealth Management. Clients receive discretionary portfolio management in pension-style model portfolios, a written financial plan, personal tax preparation, will drafting and updates, and integrated insurance planning — all under one annual fee rather than as separate purchases.
- How much does investment management cost?
- You pay a transparent annual percentage of the assets we manage. Financial planning, personal tax preparation, will drafting and ongoing updates are included in that fee at no additional charge. There are no separate planning invoices, and insurance compensation is paid by the insurer rather than by you. You see the number in writing before anything is signed.
- What is the minimum to become a client?
- There is no ultra-high-net-worth threshold. The program was built so every client receives the same integrated planning, tax, estate and investment work that most firms reserve for their largest households. We do screen for fit — we work best with incorporated business owners, trades operators, real estate investors and families who want one coordinated plan rather than a product.
- What does 'pension-style investing' actually mean?
- Large pension plans diversify beyond public stocks and bonds into private credit, real assets and other institutional strategies, and they rebalance by policy instead of by headline. The Optimize model portfolios apply that structure at a household scale, matched to your time horizon and risk tolerance.
- Can you manage my RRSP, TFSA, RESP, LIRA and corporate account together?
- Yes. RRSP, spousal RRSP, TFSA, RESP, RDSP, RRIF, LIF, LIRA, corporate and non-registered accounts are managed as one household portfolio, with asset location chosen for tax efficiency rather than each account being invested identically.
- Do I have to move everything at once?
- No. Most clients start with the accounts that are clearly underperforming or overpriced, and move the rest once they have seen the reporting and the service. We will tell you plainly when an existing plan, policy or pension is worth keeping exactly where it is.
Written and reviewed by Johnathan Pollock
Managing Partner, Thompson & Pollock Wealth Inc. — Amazon best-selling author of The Entrepreneur's Toolkit.
Last reviewed August 2026
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Experience the family office difference.
Request a short, no-obligation conversation and we'll walk you through exactly what the Optimize Private Client Program looks like for your family — investments, planning, tax, will preparation and insurance, all in one place. We'll find you a slot.
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