Financial Advisor for HVAC Companies
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.
What HVAC owners get when they join
- Corporate tax strategy — extracting income from the corp tax-efficiently (salary vs. dividends, IPP, capital dividend account)
- Holding company & buy/sell agreement structure — protect the opco, document partner exits, plan for the unexpected
- Key-person and disability insurance — what the company actually needs if you or your lead installer is out for months
- Group benefits — retention plans for journeymen, apprentices and admin staff in a tight HVAC labour market
- Group retirement / DPSP plans — a real retention lever for HVAC techs who can write their own ticket
- 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 family member, manager, or third-party buyer (private equity is buying HVAC books aggressively right now)
Why HVAC owners choose Thompson & Pollock
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.
Areas we serve
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.
Service areas
Talk to a planner who actually understands HVAC
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
What happens next?
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.
How long does it take?
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.
What should I bring?
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.