Financial Advisor in Oshawa, Ontario
Short answer
Who is the best financial advisor in Oshawa for a family or business owner?
Thompson & Pollock Wealth is an independent financial advisory firm at 179 King Street East in downtown Oshawa. One planner coordinates your investments, insurance, corporation, will and tax return — with fees disclosed in writing before you commit. The first meeting is free, in person, by phone, or by video.
Reviewed by Johnathan Pollock · Updated August 2026
Thompson & Pollock Wealth Inc. is an Oshawa-based independent financial advisory firm serving families, professionals and incorporated business owners across Durham Region. Our office is right downtown at 179 King Street East, 2nd Floor, Oshawa, ON L1H 1C2, and we work with clients across Oshawa, Whitby, Bowmanville, Courtice, Clarington, Ajax and Pickering.
Most local clients come to us for one reason: they want a financial planner in Oshawa who actually integrates everything — the RRSP, the corporation, the insurance, the will and the tax return — instead of selling one product and walking away. Because we're independent and not captive to any single bank or insurer, we shop the full Canadian market on your behalf and recommend the strategy that genuinely fits your goals.
What an Oshawa client gets when they join
- Comprehensive financial planning — retirement, education, estate and tax-efficiency
- Investment management through the Optimize Private Client Program (family-office model)
- Life, critical illness, disability and long-term care insurance — all major Canadian insurers
- Personal income tax preparation — employees, commissioned sales, rental owners and incorporated owners
- Will drafting & updates plus Powers of Attorney — included at no additional charge
- Group benefits and group retirement plans for Oshawa businesses
Why Oshawa families and business owners choose us
We've called Oshawa home for years and have walked alongside local trades businesses, real estate investors, professionals and retirees through every kind of market. That trades work runs deep — we have dedicated planning playbooks for Oshawa plumbing companies, HVAC contractors, electrical contracting businesses, framing crews and renovation general contractors across Oshawa. Johnathan Pollock has started, grown and successfully operated several businesses of his own — so when you sit across from us to talk about a buy/sell agreement, a holding-company strategy, or how to take income out of your corporation tax-efficiently, you're talking to someone who has actually done it.
Just as importantly, we draft and execute your will and Powers of Attorney as part of the program — and update them as your life changes — so the plan we build today still works in twenty years.
Your three options for financial advice in Oshawa
Most Oshawa residents end up with one of three setups. Here's an honest look at how they compare:
| What matters | Independent firm (us) | Bank branch advisor | Do it yourself |
|---|---|---|---|
| Product choice | Entire Canadian market — investments, every major insurer | The bank's own shelf of funds and insurance | Whatever you research and choose alone |
| Who coordinates everything | One planner — investments, corporation, insurance, will and tax return | Investments only; you coordinate the rest | You, across five or six separate providers |
| Wills & Powers of Attorney | Drafted and updated as part of the plan | Referred out to a lawyer, billed separately | Online kit or lawyer, on your own |
| Business & corporation advice | Salary vs. dividends, holding companies, buy/sell — from an owner who's done it | Limited to the bank's business products | Accountant only, no investment integration |
| Cost transparency | Fees disclosed in writing before you commit | Embedded fund fees, often not itemized | Low fees, but mistakes are yours alone |
Comparison reflects typical arrangements in the Oshawa market as of 2026; individual firms and bank branches vary.
Financial advisor in Oshawa — common questions
- How much does it cost to work with a financial advisor in Oshawa?
- It depends on how you work with us. Insurance and group benefits are typically compensated by the insurer at no direct cost to you. Investment management and planning fees are fully disclosed in writing before you commit to anything — no hidden commissions, no surprises. The introductory meeting itself is always free.
- Do you meet clients in person in Oshawa?
- Yes. Our office is at 179 King Street East, 2nd Floor, in downtown Oshawa — street parking and the Durham Region Transit terminal are both close by. We also meet by phone or video if that's easier, and many clients mix all three.
- I'm incorporated — can you handle both sides of my finances?
- That's our specialty. We plan across the corporation and the household together: salary vs. dividends, holding-company investments, corporate-owned insurance, buy/sell funding, and the personal tax return — coordinated by one team instead of four advisors who never talk to each other.
- How are you different from an advisor at a bank branch?
- Bank advisors recommend their bank's products. We're independent, so we shop the full Canadian market — investments from the Optimize Private Client Program, insurance from every major Canadian insurer — and we include services banks don't offer, like will drafting and personal tax preparation, inside one plan.
- Can you help with a defined-benefit pension decision?
- Yes. If you have an OMERS, HOOPP, Region of Durham, General Motors or other defined-benefit pension and you're weighing a commuted-value payout against staying in the plan, we model both paths in actual dollars — income, survivor benefits, tax and legacy value — so the decision is based on math, not opinion.
Written and reviewed by Johnathan Pollock
Managing Partner, Thompson & Pollock Wealth Inc. — Amazon best-selling author of The Entrepreneur's Toolkit.
Last reviewed August 2026
Areas we serve from our Oshawa office
Oshawa · Whitby · Bowmanville · Courtice · Clarington · Ajax · Pickering · Port Perry · Uxbridge · plus virtual meetings across Ontario and New Brunswick.
Book a complimentary intro meeting in Oshawa
Coffee at our King Street office, a phone call, or a video meeting — whichever works for you. No pressure, no obligation.