Explore a Wealth of Possibilities
A New Standard in Wealth
“True wealth is not just about money—it’s
about time, freedom, and legacy. We help
you make the most of all three.”
Steven Krupica CFP, CIM™, RRC
Wealth Advisor
Tempus Wealth combines the personalized, multi-generational focus of a family office with the strength, security, and comprehensive capabilities of a leading Canadian bank.
Whether you’re preserving a legacy, pursuing new opportunities, or reimagining what your wealth can achieve, as a Tempus client you gain uncommon insight and seamless execution—through one enduring relationship built for generations.
Tempus: Because time is your most valuable asset.
Derived from the Latin word for time, Tempus represents more than just investment management—because we believe true wealth is measured not only in dollars, but in the time you gain, the choices you unlock, and the legacy you leave.
Whether it’s freeing up time through simplification, enabling new possibilities for your family, or ensuring the future is planned with clarity—we help you make the most of it.
Tempus Stands Apart
Everything we offer is designed around you—your values, your goals, your life.
Institutional Portfolio Expertise
Custom-built, multi-asset class portfolios with access to private markets, structured notes, and options strategies.
Committee-Based Investment Process
A senior team with decades of experience makes decisions collaboratively—not through a single advisor.
Banking & Credit Integration
Embedded banking and lending services, including access to Private Banking 1859.
Comprehensive Planning
Sophisticated financial, tax, and estate strategies delivered in-house.
Unified Relationship Model
One point of contact for everything from investments to banking, credit, and planning.
Capable of Handling Complexity
Tailored to meet the needs of both straightforward and sophisticated wealth situations.
Multi-Family Office Structure
Boutique, white-glove service built within a leading Canadian bank.
Explore a Wealth of Possibilities
Family Office Experience
Tempus Multi Family Office
Meeting Complexity with Sophistication
We offer a deeper, more comprehensive experience—one that integrates every aspect of wealth, family, and legacy under a unified strategy. This represents a more intentional way of thinking, and an effective approach to managing the complexities of multigenerational wealth.
Advanced financial planning
Family governance & continuity
Consolidated reporting
Strategic Oversight
Custom private market access
Tempus Wealth Strategist
Banking & Lending Strategist
Dedicated Access
In-house tax planning & strategy
Estate planning & trustee coordination
Risk & insurance structuring
Educational Depth
What Matters Most to You Besides Performance and Service
Your portfolio’s performance and the quality of service you receive—these are your top priorities, and they’re our priorities, as well.
Still, we know that it can be the everyday care and attention that makes the biggest difference for our clients, so we also live by the following service standards:
“True wealth is not just about money—it’s about time, freedom, and legacy.
We help you make the most of all three.”
Steven Krupica CFP, CIM™, RRC
Wealth Advisor
We strive to be accessible and responsive at all times, and we pride ourselves on never letting client calls go to voicemail. We will answer the phone, respond to your emails promptly, and return after-hours calls within 1-2 hours.
Answering Your Call
Your children and grandchildren will benefit from the same fee structure we offer you, with no minimum investment and equal access to our service.
Transferring to the Next Generation
At tax time, there is nothing you need to do. We will work with your accountant to facilitate tax preparation, ensuring they have all the information they need.
Tax Preparation
Unfortunately, we cannot read minds. But we seek to create a comfortable atmosphere in which you can speak openly and honestly with our team. If you share any needs or preferences with us, we will do our utmost to accommodate them. This may include more frequent reviews, personalized reporting, or unique communication protocols.
Open Communication
Portfolio Strategy
Portfolios Designed to Endure
Our portfolio construction process does not rely on models or packaged products. Instead, we build each portfolio on three core pillars, leveraging institutional tools and decades of experience to reflect your unique priorities, timelines, and comfort with risk.
Personalized to You
Every portfolio is tax-optimized and built to generate cash flow, manage risk, and match your financial goals.
WHY IT MATTERS:
Your portfolio works for your life—not the other way around.
Multi-Asset Class Design
Portfolios are constructed across public and private markets, including institutional-level investments.
WHY IT MATTERS:
You gain broader opportunity, reduced volatility, and customized yield.
Research-Driven Equity Selection
We actively manage a core of high-quality securities chosen through proprietary research and global insights.
WHY IT MATTERS:
You hold resilient, growth-oriented companies, not generic market exposure.
Our Three Core Pillars
Fully Customized
Your portfolio reflects the life you’re living, not a pre-set model.
What Sets Our Portfolios Apart
Discretionary Management
We execute on your behalf, so you benefit from timely decisions and consistent oversight.
Multi-Asset Class Construction
Public markets, private markets, credit, alternatives, options strategies— all integrated.
Institutional Approach
Strategies and structures typically reserved for pension funds and endowments.
Tax-Focused & Risk-Managed
Income and gains are planned with efficiency and protection in mind.
Committee-Based Oversight
Every decision is reviewed by a team of senior professionals, so you benefit from depth, not just one opinion.
Fixed Income
Stability, Income, and Capital Preservation
Fixed income plays a foundational role in providing portfolio stability and reliable income. Whether your goal is capital preservation, income generation, or reducing volatility, Tempus goes beyond traditional bond strategies—designing diversified, tax-aware portfolios aligned to your needs.
Core Fixed Income Strategies
Investment-Grade Bonds & High Yield
Reliable income with minimal credit risk
Diversification and stability in uncertain markets
Tax-efficient yield generation
Preferred Shares
Enhanced income relative to traditional bonds
Hybrid features offer both tax-efficient income and bond-like stability
Often tax-advantaged for Canadian investors
Laddered & Duration-Matched Portfolios
Actively managed interest rate exposure
Designed to reduce reinvestment risk
Smoothed income streams over time
Customized to match your time horizon, cash flow, and risk tolerance
Why Fixed Income Is Different With Tempus
Selected from a full universe of public and private fixed income securities
Integrated into your broader asset mix with institutional oversight
Focused on yield, liquidity, and capital preservation
A Fixed Income Strategy in Action
What does this mean for you?
A purpose-built fixed income allocation offers more than just downside protection—it delivers steady income, preserves capital, and keeps you flexible for future opportunities. Our institutional approach ensures your portfolio is resilient, responsive, and aligned with your broader wealth plan.
RESULT
Stable monthly income
OBJECTIVE
Preserve capital and generate steady, tax-efficient income
STRATEGY
Laddered portfolio of investment-grade corporate bonds and preferred shares
EXECUTION
Managed by Tempus
Equity
Growth, Income, and Global Opportunity
Equities are the engine of long-term growth in your portfolio. At Tempus, we go beyond broad market exposure by curating a core of high-quality companies—domestically and globally—focused on resilience, income, and innovation. Our equity strategy is rooted in deep research, tax awareness, and alignment with your personal goals.
Core Equity Strategies
Large-cap, blue-chip companies with reliable dividend payouts
Foundation for consistent income and long-term capital appreciation
Potential for dividend growth, enhancing income over time
Proven track records of weathering market cycles
Canadian Dividend
Access to high-growth companies across sectors
Exposure to innovative and market-leading businesses
Portfolios built from the bottom up, guided by fundamental analysis
Flexibility to avoid overvalued or high-risk areas
US Growth
Representative holdings include:
Handpicked companies based on deep, proprietary research
Why Equity Investing Is Different With Tempus
Strategies tailored to your tax situation and investment horizon
Disciplined oversight and active risk management
Not just market exposure—intentional ownership
An Equity Strategy in Action
What does this mean for you?
Tempus equity strategies blend growth, income, and global innovation with tax-smart discipline to build portfolios aligned with your goals and values.
STRATEGY
Core growth large caps with select global innovators and income-generating covered calls
RESULT
Growth-focused returns with enhanced income potential
OBJECTIVE
Achieve long-term capital growth with resilient, high-quality companies
EXECUTION
Guided by Tempus research and disciplined portfolio management
Structured Notes
Smarter Yield, Strategic Protection
Structured notes are a key component of how we enhance return potential while shaping risk to match your goals. These are not off-the-shelf products—we work with all major Canadian banks to design and implement notes tailored to your needs.
Core Note Strategies
95% of notes delivered positive returns (2016–2024)
8.9% average annualized return
-26.8% average downside protection
Designed to provide early exit and enhanced yield with conditional capital protection
Auto Callable Notes
99.6% of notes delivered positive returns (2016–2024)
7.2% average annualized return
-32.9% average downside protection
Focused on delivering consistent cash flow while reducing downside exposure
Income Notes
We use these strategies not because they’re advanced, but because they’re effective for the families we serve.
Exclusively designed for our clients ONLY
Why Structured Notes Are Different With Tempus
Built in collaboration with Canada’s top banks—not limited to one provider
Integrated into our discretionary, multi-asset portfolio strategy
Selected and managed in-house with institutional-level oversight
A Structured Note in Action
OBJECTIVE
Generate income with downside protection
STRATEGY
Custom Auto Callable Note:
Linked to Canadian banks
9.2% target return
30% downside protection
RESULT
18.4% total return
EXECUTION
Designed with Tempus
Integrated into multi-asset portfolio
Called in Year 2
Full capital protection
Proceeds redeployed into next strategy
Options
An Institutional Technique for High-Net-Worth Investors
We have incorporated into our investment process various advanced methods of pursuing core client objectives. While these options strategies are typically available only to institutional investors, we have these capabilities in-house and tailor them to each client’s needs.
What does this mean for you?
Beyond the conventional approach, you can find more sophisticated ways to pursue returns with reduced volatility and greater diversity of assets. The use of options can introduce even more opportunities, like purchasing high-quality stocks at a discount, earning additional equity income without having to reallocate, and maintaining market exposure while reducing drawdowns in uncertain conditions.
STRATEGY 1
Boost portfolio yield through additional income
Cushion the effect of downside market movements
Improve the tax efficiency of your portfolio
Covered Call Writing
This strategy entails selling covered calls against equity positions to generate premium, tax-advantaged income. This has the potential to provide the following benefits:
STRATEGY 2
Lower-cost entry points
Consistent income generation
Upfront payout for both assigned and unassigned stocks
Cash-Secured Put Writing
Writing puts on desired stocks is a methodical way to gain equity exposure, while pursuing other advantages:
STRATEGY 3
Mitigate losses during volatile markets
Hedge broad market risk
Balance exposure based on market conditions
Hedging & Tail-Risk Management
This approach includes protective puts, index overlay strategies and custom volatility strategies, all aimed at better protecting capital. These steps have the potential to:
Private Markets & Alternatives
Alternatives Can Reduce Risk and Enhance Returns
Private investments have long been used by pension plans and endowments to outperform with less volatility.
Strategically selected
Purpose-built
Fully aligned with your plan
We provide Tempus clients those same opportunities by leveraging our institutional network and experience. Each private and alternative investment is hand-selected and integrated directly into your portfolio, ensuring that every allocation is:
Delivered with clarity, customization and care
Annualized Gross Returns and Volatility for
Private vs Public Markets
For the 15-year period ending March 31, 2025
Source: Private equity data provided by Preqin. Public market indices provided by Morningstar Direct. Private Equity: Preqin Private Equity Quarterly Index, Canadian Equities: S&P/TSX Composite TR, US Equities: S&P 500 TR, Emerging Markets: MSCI EM IMI GR, Global Fixed Income: ICE BofA Gbl Brd Mkt TR HCAD, Global Equities: MSCI World GR. Time period, 07/01/2004 – 03/31/2025. Data denominated in CAD. Private equity returns are shown net of fees, expenses and carried interest.
High absolute returns and historical outperformance relative to public markets
Provides lower volatility and overall lower portfolio risk when added to a public markets portfolio
Outperformance
Our approach to private markets and alternatives offers:
Oversight by a seasoned, in-house investment committee
Reduced volatility, increased return potential
Allocations tailored to your cash flow, tax and liquidity needs
Investments sourced through trusted institutional networks
Exclusive access to institutional-quality private deals
True diversification beyond public markets
What does this mean for you?
When retail investors gain access to private deals, they can benefit from a smarter kind of diversification—one with less reliance on public markets. These uncorrelated returns can improve a portfolio’s output with less volatility, while providing cash flow from real assets.
Financial Planning
Planning with a Generational Wealth Focus
As your wealth has grown, so have the decisions around it. We’re here to help you bring clarity to it all—so your life can stay at the center.
Your life is the plan. That’s why we use a timeline-based approach, starting from today, through retirement, into later life, and beyond. This helps you see clearly what’s needed at each stage of life—and how your wealth will support it.
Planning That Follows Your Life
Tax strategy is an in-house capability of the Tempus team, which means it’s integrated into every service we provide and every aspect of your wealth. This includes:
Strategic Tax Planning
By understanding your current and future liquidity needs, we can design tax-efficient cash flow plans that simplify and optimize the retirement transition. These strategies can help you:
Liquidity & Retirement Strategies
Tax-efficient income planning
Capital gains mitigation strategies
Minimizing estate and wealth transfer taxes
Philanthropic planning strategies
Preserve long-term financial independence
Sustain your lifestyle while protecting your estate
Transition out of your business or profession efficiently
What does this mean for you?
A legacy-oriented planning approach can help families retain more of their wealth through major transitions like estate transfers, the sale of a business or retirement from a corporate position—and continue growing those assets through the power of time and consistency.
Time is the most powerful driver of growth, so a comprehensive approach to planning your legacy can not only preserve family assets, but also enable greater growth over the long term, helping to ensure:
Comprehensive Estate Structuring
We draw on the expertise of our core team as well as insurance specialists and the National Bank network to provide tailored solutions. This level of integration—across investments, tax, estate, and insurance—is rarely offered under one roof in Canada. For families navigating real complexity, it’s not just valuable, it’s essential. And it can help to:
Insurance Strategies
Seamless transfer of wealth between generations
Minimal erosion of family assets through major transitions
Supportive collaboration among tax, legal and financial professionals
Protect assets and income
Capture additional tax advantages
Meet unique insurance needs
Banking & Lending
Integrated Private Banking and Credit Solutions
With an in-house approach to private banking that incorporates exclusive and custom solutions, we’re able to explore new ways to grow and preserve your wealth that are aligned with your core plans and strategies. Tempus clients have three core options to serve their banking and credit needs:
National Bank Retail offers a wide range of personal banking services including chequing and savings accounts, credit cards, mortgages, loans, and insurance products. It serves individuals and small businesses through digital platforms and in-branch services, focusing on financial advice, accessibility, and customer experience.
OPTION 1
Private Banking 1859 is a bespoke, white-glove service tailored exclusively for high-net-worth individuals—delivering sophisticated financial strategies, privileged access to seasoned advisors, and a curated suite of elite benefits designed to elevate your financing experience and lifestyle.
OPTION 3
Advisory Banking Services offers a streamlined, advisor-led experience that empowers professionals to deliver tailored banking solutions. With digital onboarding, preferential rates, and seamless access to expert support, it enhances client relationships while simplifying the banking journey.
OPTION 2
What Makes Our Banking Experience Different
Dedicated Banking & Lending Strategist
A Tempus-exclusive role, our strategist works alongside you—not just your banker—to design credit and banking solutions that make your entire financial picture stronger.
Single Point of Contact
Your banking and lending services are coordinated by the same team overseeing your investments and financial plans.
Preferential Rates & Structures
Gain access to exclusive lending terms not available to the public.
Custom Credit Strategies
Finance investment opportunities or liquidity needs efficiently, with full alignment to your overall plan.
White-Glove Execution When Needed
Through Private Banking 1859, enjoy a high-touch experience integrated seamlessly into your broader wealth strategy.
Personalized Private Banking
Through Private Banking 1859, enjoy a personalized, high-touch experience fully aligned with your wealth strategy. Your Private Banker works closely with you and your family to deliver tailored solutions.
What does this mean for you?
When private banking is treated as a core component of wealth management, not a separate service, you can optimize things like liquidity, cost-efficiency, leveraging and investment growth. Greater access to sophisticated credit and lending strategies, customized to your needs, can support a wide variety of financial goals.
Our Team
Our Team
Meet Your Tempus Wealth Team
Our internal team is made up of well-credentialed professionals and recognized experts in wealth, tax, and family governance.
Wealth Advisor
Steven Krupica, CFP®, CIM™, RRC
Experience: 30+ years
Role: Investment selection and strategy
Tel.: (416) 507-9125 | steven.krupica@nbc.ca
Steven Krupica leads Tempus Wealth as its founding and most senior member. In his capacity as Wealth Advisor, he provides investment themes and direction for the portfolio management team. Working closely with the team, his responsibilities encompass a broader strategic role in shaping investment plans and policies, overseeing the direction of your investment portfolio and the formulation of investment strategies tailored to your unique financial objectives.
Wealth Advisor
Andrew J. Bosomworth, B.Comm, CIM®
Experience: 20 years
Role: Wealth management strategy and
portfolio management
Tel.: (416) 507-9129 | andrew.bosomworth@nbc.ca
Andrew helps clients build and maintain comprehensive wealth strategies that align portfolios with objectives and risk tolerance. With expertise in financial planning, he delivers integrated solutions that reflect each client’s unique circumstances. Andrew emphasizes regular reviews, proactive communication, and attentive service, ensuring clients remain informed and confident in their long-term financial journey. He also has experience in complex lending.
Wealth Advisor
Osama Arifullah
Experience: 10+ years
Role: Wealth management strategy and portfolio management
Tel.: (416) 507-9124 | osama.arifullah@nbc.ca
Osama focuses on wealth management strategy and portfolio management, helping clients structure investment approaches that align with their goals and risk tolerance. He delivers tailored solutions that adapt to evolving market conditions, while emphasizing clear communication, regular reviews, and a disciplined approach to long-term financial success.
Wealth Advisor
Madoury Diallo, CFP®
Experience: 10+ years
Role: Wealth management and financial planning solutions
Tel.: (437) 441-8373 | madoury.diallo@nbc.ca
Madoury Diallo delivers personalized wealth management strategies in both English and French. Drawing on a strong background in private banking and retirement specialist, Madoury integrates financial planning and retirement advice to craft client-focused solutions that address both sides of the balance sheet and align with each client’s unique goals. His Certified Financial Planner (CFP®) designation reinforces a commitment to holistic advice that supports every dimension of a client’s financial life.
Investment Analyst
Warren Lo, MBA, CFA, CFP®
Experience: 30+ years
Role: Wealth management strategy, portfolio management, options investing and analysis
Tel.: (416) 507-9126 | warren.lo@nbc.ca
Warren designs sophisticated portfolios that balance opportunity with risk, with a focus on options-based strategies. He combines strategic insight, in-depth analysis, and disciplined execution to ensure portfolios reflect each client’s objectives.
Investment Analyst
Daniel Paul
Experience: 5 years
Role: Wealth management strategy, portfolio management, options investing and analysis
Tel.: (416) 507-8844 | daniel.paul.1@nbc.ca
Daniel develops investment strategies that integrate credit derivatives, prime brokerage, and cash flow solutions to balance growth with risk control. As a Registered Representative and options-licensed professional, his approach emphasizes customized strategies that strengthen portfolio performance and financial security.
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Tel.: (416) 507-0000 | Email@nbc.ca
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Wealth Associate
Ini Nadar
Experience: 20+ years
Role: Administration
Ini supports clients and the Tempus team through expertise in operations, reporting, and administration. With extensive experience in banking and wealth management, she combines precision with strong client service skills to deliver a smooth and professional client experience.
Tel.: (416) 507-8809 | ini.nadar@nbc.ca
Wealth Associate
Andrea Walker
Experience: 10+ years
Role: Client service
Andrea ensures seamless client service by coordinating interactions with providers and overseeing day-to-day operations. With experience across financial administration, banking, retail, and government, she supports both clients and the Tempus team with efficiency and professionalism.
Associate
Aline Fontes
Role: Administration
Aline manages client requests with efficiency and care, drawing on corporate experience and advanced academic training to strengthen client service at Tempus Wealth. Fluent in Portuguese and English, she ensures clear communication and a responsive client experience.
Tel.: (416) 507-9123 | andrea.walker@nbc.ca
Tel.: (416) 507-9122 | aline.mota.fontes@nbc.ca
Wealth Advisor
Steven Krupica, CFP®, CIM™, RRC
Experience: 30+ years
Role: Investment selection and strategy
Tel.: (416) 507-9125 | steven.krupica@nbc.ca
Steven Krupica leads Tempus Wealth as its founding and most senior member. In his capacity as Wealth Advisor, he provides investment themes and direction for the portfolio management team. Working closely with the team, his responsibilities encompass a broader strategic role in shaping investment plans and policies, overseeing the direction of your investment portfolio and the formulation of investment strategies tailored to your unique financial objectives.
“Wealth is built over time, not overnight.
The right investments stand the test of time.”
© 2025, National Bank Financial. National Bank Financial is an indirect wholly-owned subsidiary of National Bank of Canada. National Bank of Canada is a public company listed on the Toronto Stock Exchange (NA:TSX).
130 King Street West, Suite 3200, Toronto, ON M5X 1J9
Tel.: (416) 507-9125 | www.TempusWealth.ca
Tempus Wealth