Grafton and the Haldimand concessions behind it are farm country with a growing number of retirees who came for the lake and the quiet. Those two groups need very different plans, and we build both from our office in Oshawa with in-person meetings out east.
For the farms it is succession, the lifetime capital gains exemption and fair-versus-equal. For the retirees it is drawdown order, OAS clawback and what the estate actually nets after tax and probate. Within the trades we work hands-on with plumbing contractors, HVAC and heating businesses, electrical companies, framing companies and renovation general contractors.
Land that has quietly appreciated for forty years is a wonderful problem and an expensive one. Without planning, the gain is realized at death and the family has to find the cash. With planning, rollovers, the capital gains exemption and a properly sized insurance policy handle it — usually for a fraction of the tax it offsets.
You get one planner who understands the farm, the corporation, the investments and the will together, rather than three advisors who each solve their own piece and leave the seams to you.
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
Grafton · Vernonville · Haldimand Township · Cobourg · Colborne · 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.
“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 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.
