Courtice sits right on our doorstep — ten minutes east of our office at 179 King Street East in Oshawa, straight out Highway 2. A large share of the households here are tied in some way to Darlington: OPG staff, trades on the refurbishment, contractors and suppliers who feed the site, and retirees who spent a career there.
That shapes the planning. Defined-benefit pensions, shift premiums, big overtime years, severance and retirement windows, and a lot of household wealth locked inside one employer's plan. We also work with Courtice families around Nash and Townline, and with the trades running crews out of Baseline Road and Courtice Court. Within the trades we work hands-on with plumbing contractors, HVAC and heating businesses, electrical companies, framing companies and renovation general contractors.
If you have a Darlington or OPG pension, the biggest financial decision of your life is a form with a deadline on it. Commuted value versus lifetime pension, survivor election, bridge benefit, and what happens to it if you have no spouse — we model each option side by side in dollars so you can see the trade-off instead of guessing at it.
We are independent and small by design. When you call, you reach your planner. Because we are not captive to a bank or a single insurer, the investment and insurance recommendations come from the whole Canadian market — and the same person who builds the plan also does the tax return and the will.
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
Courtice · Hampton · Clarington · Bowmanville · Oshawa · Durham Region — 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.
“My wife and I are so pleased to be dealing with a financial advisor that not only has a known passion for what he does — Johnathan is very good at explaining it to us on our path to a comfortable retirement.” — John 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.
