Hi Gailcb. You must know as much about WT as I do, or more, perhaps. The family story about him was very limited - he was known as Uncle Tom Berners, he lived in Folkestone (which he didn't, unless he was in the habit of tripping down there periodically), he was wealthy, he owned a tea plantation (which turned out to be the Amgoorie Tea Estate which he inherited from Henry Berners) and his wife died in India in tragic circumstances immediately after giving birth. Other than that the only info I have is available through the public records. I don't have any info about him being a ship broker or a brewer but I know he was a partner in the trading agents Ashburner & Co in Calcutta, that he was involved in the amateur dramatic society there, and a contemporary said that WT retired from business in 1880, writing in 1907 "Berners, I believe, has been living the life of a retired gentleman. I never heard that he renewed his connection with business affairs." That is to say, he was resident in Calcutta over a period of time until 1880. Certainly there are no family stories about him having another family at some stage (and I assume after 1880) but then the family wasn't likely to hear of that in any event. He had the time and the money to have an alternate home, I should think, but it is, as you know, difficult to actually nail it down. He was about 43 when he returned to England. I have to add I can't be certain when he went to India, he was certainly working in Calcutta in 1864, but my impression was that he didn't return until 1880 other than the trip to Dublin to marry Charlotte.
You will know that the Berners family seat was at Woolverstone Hall in Surrey, but WT's father was the third son of the third son of the lord of the manor, Charles Berners, and in those days the property of the family passed from father to eldest son. WT was rather distant from the main line and not automatically wealthy or necessarily welcomed into the Berners fold but he seems to have made himself a bit of money through his activities in India and through his inheritance from his cousin Henry. Aside from that, what he did with himself between 1880 and 1930 is a bit of a mystery.
As it happens WT is a rather distant relative of mine through his mother. He certainly didn't help latter day family researchers by having all his personal papers destroyed when he died.......
Sorry I can't help you more.