Colborne sits right between Brighton and Grafton on the 401, and most of the families we help here are working through one of three things: retiring on a modest but well-built nest egg, passing a farm or small business to the next generation, or sorting out an estate that was never properly planned.
We come to you. There is no advantage in driving to a tower in Toronto to have a conversation that is really about your land, your pension and your kids. Within the trades we work hands-on with plumbing contractors, HVAC and heating businesses, electrical companies, framing companies and renovation general contractors.
Small-town wealth is usually concentrated: a paid-off house, a piece of land, an RRSP and a pension. That concentration is exactly what creates the tax problem at death, because everything is taxed at once, at the top rate, in a single year. We measure it and fix it while you are healthy enough to have options.
We are independent and we are not going anywhere. The same planner does the plan, the investments, the insurance, the tax return and the will — and answers the phone when you call.
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
Colborne · Castleton · Cramahe · Grafton · Brighton · 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.
