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.
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.
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
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.
A 30-minute intro call, no obligation. We'll listen first and tell you straight whether we can add value to your operation.
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
“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 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.
