HVAC is one of the most demanding trades to run a business inside. Thompson & Pollock Wealth Inc. is an independent firm that's spent years working with incorporated HVAC companies across Durham Region, Northumberland and the GTA — the financial planning challenges are not the same as a typical small business.
You're juggling seasonal cash flow, expensive trucks, rental water heater portfolios, financed equipment, refrigerant inventory, gas tickets, WSIB, and a corporation that quietly piles up retained earnings every furnace season. We pull all of it into one coordinated plan.
Many of our HVAC clients walk in having spent fifteen years building a great service book and zero years planning for what happens when they want out. Private equity rollups are circling the HVAC space — owners with a clean corporate structure, documented buy/sell, and a tax-efficient retained-earnings strategy net dramatically more on sale than those without.
Johnathan Pollock has started, scaled and successfully sold multiple businesses of his own. The conversation about whether to take a strategic buyer's term sheet, hold and rerent, or sell to your service manager on a vendor take-back — that's a conversation he's had, not just read about.
Because we're independent, we shop the full Canadian market for your insurance, group benefits and investments — you get the recommendation that actually fits your shop.
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 HVAC 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 business.
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.
