Campbellford is the working heart of Trent Hills — the hospital, the factories, the main street businesses and the farms around them. We work with employees weighing a HOOPP or OMERS pension, owner-operators who have never taken a proper salary, and retirees living on the river.
Meetings happen where it suits you: at your kitchen table, over video, or at our Oshawa office when you are down that way. Within the trades we work hands-on with plumbing contractors, HVAC and heating businesses, electrical companies, framing companies and renovation general contractors.
If you work at the hospital or for the municipality, your pension is likely your single largest asset — and the survivor election, bridge benefit and commuted value choices attached to it are permanent. We model them in dollars, including what happens to the pension if you do not have a spouse, which is the case almost nobody explains.
For business owners, the questions are simpler than they sound: how do I pay myself, what do I owe, and what is this worth if I sell. We answer them with numbers, and then we build the plan around the answers.
EXAMPLE CLIENT SCENARIOS
Business owner, 45, incorporated renovation company
Retained earnings were building in the corporation with no strategy for salary, dividends or investing.
What we did
One coordinated plan across the business and household, reviewed every year.
Couple, early 30s, two young children
New mortgage, no wills, and an RESP they'd opened but never contributed to.
What we did
The basics covered in a few meetings, with a budget they could keep.
Recently retired, 66, accounts at three institutions
RRSPs, a TFSA and a small pension spread across banks, with no view of total fees or income.
What we did
One clear monthly income plan and fully disclosed fees.
These are illustrative examples of common situations, not specific clients. Every plan depends on your own circumstances; results are not guaranteed.
Mon – Fri: 9:00am – 5:00pmIn person, phone or video
Campbellford · Hastings · Warkworth · Trent Hills · Havelock · Northumberland County — plus virtual meetings across Ontario.
In person, by phone, or over video — whichever you prefer. No pressure, no obligation.
We reply with the next available slots.
“It's a pleasure speaking with Johnathan. He gives good advice and never tries to talk you into anything you're uncomfortable with.” — Patricia M., Google review
“If you need help making your financial dreams come true, John is your guy. He will patiently work with you to set the goals you have in mind.” — Ian H., Google reviewRead all reviews on Google
Before you book
We reply with the next 2–3 available meeting slots. Once you pick one, you’ll get a calendar invite and a short prep note so we can make the most of the time.
Most first meetings are 20–30 minutes. We’ll ask a few questions, share what we see, and only move forward if it makes sense for you.
Nothing is required. If you have a recent tax return, group benefits summary, or investment statement handy, it helps — but only if you want to share it.
