Lindsay is the service centre for the whole of Kawartha Lakes — the hospital, the college campus, the municipality, the farms and the main-street businesses that support them. A large share of our Lindsay clients are within ten years of retirement and want a straight answer about whether they can afford it.
That answer is arithmetic, not opinion: income, tax, inflation, the pension election and how long the money lasts under a bad market. We build it, show you the numbers, and then manage the plan year by year. Within the trades we work hands-on with plumbing contractors, HVAC and heating businesses, electrical companies, framing companies and renovation general contractors.
Most people do not need a more exciting portfolio; they need to know the date they can stop working and what happens if markets fall in the first three years. That is a modelling problem, and it is the one we solve first.
We are independent, small and local to the region. One planner handles the plan, the investments, the insurance, the personal and corporate tax returns and the will — and answers the phone.
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
Lindsay · Omemee · Oakwood · Little Britain · Fenelon Falls · Bobcaygeon · City of Kawartha Lakes — 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.
“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.
