Financial Advisor in Orono, Ontario
Orono is a small village with a long memory — the fairgrounds, Main Street, and a lot of families whose wealth is in land, equipment and a business rather than an investment account. We drive out from Oshawa regularly and meet clients at their kitchen table.
Rural planning is a different problem than suburban planning. The balance sheet is illiquid, the tax bill lands at death instead of during life, and the fair-versus-equal question between the child who farms and the children who left is the hardest conversation in the room. We also work with the contractors and equipment businesses operating out of the concession roads north of the 115. Within the trades we work hands-on with plumbing contractors, HVAC and heating businesses, electrical companies, framing companies and renovation general contractors.
What you get when you become a client
- Comprehensive retirement, estate and tax-efficiency planning
- Defined-benefit pension and commuted value analysis, modelled in dollars
- Investment management through the Optimize Private Client Program
- Life, critical illness, disability and long-term care insurance — full Canadian market
- Personal and corporate tax preparation, including rental and self-employed returns
- Farm and rural property succession — capital gains exemption, rollovers and fair-versus-equal estate structuring
- Will drafting and Powers of Attorney — drafted and updated as part of the plan
- Group benefits and group retirement plans for Orono employers
Why Orono clients choose Thompson & Pollock
A rural estate can trigger a tax bill large enough to force a sale of the very asset you were trying to pass on. We quantify that number first, then use insurance, rollovers and the lifetime capital gains exemption to make sure the liquidity exists when it is needed — instead of leaving your children to find it.
Johnathan Pollock has built and sold businesses, so the conversation about buying out a sibling, structuring a holdco, or paying yourself properly from an operation with lumpy income is a practical one, not a theoretical one.
Areas we serve
Orono · Kirby · Leskard · Newtonville · Newcastle · Bowmanville · Clarington — plus virtual meetings across Ontario.
Specialized services for trade businesses
Book a complimentary Orono consultation
In person, by phone, or over video — whichever you prefer. No pressure, no obligation.