Financial Advisor for Framing Companies
Framing is one of the highest-volume, lowest-margin trades on a build site, and one of the most physically demanding. Thompson & Pollock Wealth Inc. is an independent firm that's worked with incorporated framing companies across Durham Region, Northumberland and the GTA — and the financial picture deserves its own dedicated plan.
You're managing payroll on a large crew or a roster of sub-contracted framers, T5018s, WSIB, holdbacks on multi-house contracts, lumber-price exposure, and a corporation whose retained earnings move dramatically with the housing cycle. We pull all of it into one coordinated strategy.
What framing-company owners get when they join
- Corporate tax strategy — extracting income from the corp tax-efficiently across busy and quiet years
- Holding company & buy/sell structure — protect the opco from job-site liability and document partner exits
- Key-person, disability and critical illness insurance — framing has one of the highest injury rates in construction, and the math on this is unambiguous
- Group benefits — competitive plans that retain framers and lead hands in a tight labour market
- Group retirement / DPSP plans — a real retention tool that costs less than a wage bump
- Personal financial planning for the owner — RRSP/TFSA strategy, RESPs, will and Powers of Attorney drafted as part of the plan
- Succession and exit planning — sale to a foreman, family member or third-party using the Lifetime Capital Gains Exemption
Why framing-company owners choose Thompson & Pollock
Most framing owners we meet have great years and brutal years and have never built a financial plan that survives both. We model the next ten years with realistic cycle assumptions, show you what the retained earnings should actually be doing, and put the right insurance in place so that one bad injury doesn't take the company with it.
Johnathan Pollock has started, scaled and successfully sold multiple businesses of his own. The conversation about how to bring a foreman in as a partner, finance a fleet refresh, or eventually sell the company on a vendor take-back is one he's lived.
Because we're independent, we shop the full Canadian market for your insurance, group benefits and investments — you get what actually fits the business.
Areas we serve
Serving framing companies across Oshawa, Whitby, Bowmanville, Clarington, Durham Region, Northumberland County, Prince Edward County, the GTA and New Brunswick — in person and via video.
Service areas
Talk to a planner who actually understands framing
A 30-minute intro call, no obligation. We'll listen first and tell you straight whether we can add value to your operation.