Short answer
Thompson & Pollock Wealth Inc. is an independent Ontario financial planning firm serving Port Hope from Oshawa, 40 minutes west on the 401. We handle investments, pension and commuted-value decisions, insurance, personal and corporate tax, and will drafting in one place — for Port Hope families, retirees and incorporated owners. We keep a small number of intro spots open each week.
Reviewed by Johnathan Pollock · Updated August 2026
Thompson & Pollock Wealth Inc. serves Port Hope clients from our office in Oshawa and from in-person meetings here in Northumberland. Most Port Hope families and business owners come to us because they want a single planner who actually integrates the corporation, the investments, the insurance, the will and the personal tax return rather than selling them one product and walking away.
We work with retirees on the south side of town, commercial landlords and trades operators along Toronto Road, professionals commuting to the GTA, and incorporated owners running shops in Port Hope's industrial pockets. Every plan we build is local-first and independent. Within the trades, we work hands-on with plumbing contractors, HVAC and heating businesses, electrical companies, framing companies and renovation general contractors based in and around Port Hope.
Port Hope rewards advisors who actually show up. We are a small, independent practice — when you call, you talk to your planner, not a call centre. Because we are not captive to a single bank or insurance company, we shop the whole market and recommend the strategy that genuinely fits your situation.
If you are an incorporated owner, you will find Johnathan Pollock unusually direct: he has started, scaled and successfully sold businesses of his own, so the conversation about a buy/sell agreement, a holding company, or pulling income out of your corp tax-efficiently is one he has lived.
Should I take the pension or the commuted value? Northumberland has a high concentration of retirees from Ontario public-sector and manufacturing pensions, and the decision window usually closes fast. The honest way to answer it is arithmetic: what annual return would the commuted value have to earn, for life, to replace the pension income you are giving up — and how much of the transfer is forced out as taxable cash because of the section 8517 limit. Run the first pass yourself with our commuted value calculator, then bring it in.
What happens to my pension if I have no spouse? Most plans pay a reduced survivor benefit to a spouse and very little to adult children. If your intention is to leave something to your kids, that gap is real and it is fixable — we walk through it in detail on our pension legacy page.
My money is in three places and nobody talks to each other. A bank RRSP, an old group plan from a previous employer, and an insurance policy someone sold in 2009. Consolidation is not the goal by itself — coordination is. We map what you have, what it costs, and whether it still matches the plan.
Our office is at 179 King Street East, 2nd Floor, Oshawa — Highway 401 west to exit 419 (Harmony Road), about 40 minutes from downtown Port Hope. Free street and lot parking nearby. Evening and Saturday appointments are available, and many Port Hope clients simply meet us by video after the first sit-down.
| What matters | Bank branch | Thompson & Pollock |
|---|---|---|
| Who you talk to | Whoever is assigned this year | The same planner every time |
| Product range | That institution's shelf | Independent — full Canadian market |
| Personal tax return | Not offered | Prepared as part of the program |
| Will and Powers of Attorney | Referral only | Drafted and updated, included |
| Pension / commuted value analysis | Rarely modelled | Modelled before any decision |
| Corporate and business planning | Separate commercial department | Same planner, same plan |
General comparison of service models, not a statement about any specific institution.
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
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
Port Hope · Cobourg · Welcome · Garden Hill · Bewdley · Campbellcroft · Northumberland County — plus virtual meetings across Ontario.
In person in Port Hope, a call, or 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.
