Port Perry draws two kinds of clients to us: people who have retired to the lake and want their money to last, and people who have run a business or a farm here for thirty years and now need to get out of it cleanly. Both problems are about converting a lifetime of work into predictable, tax-efficient income.
We work with Queen Street business owners, Scugog and Blackstock farm families, retirees along Lake Scugog, and Region of Durham and Lakeridge Health employees weighing an OMERS or HOOPP pension. Within the trades we work hands-on with plumbing contractors, HVAC and heating businesses, electrical companies, framing companies and renovation general contractors.
Retirement here is rarely simple. There is often a cottage or a second property, a corporation that has not been wound up, and RRSPs large enough that the tax bill at the second death is the biggest cheque the family will ever write. We show you that number and then reduce it deliberately.
We are independent, and we do the whole file: the plan, the investments, the insurance, the personal and corporate tax returns, and the will. One person who knows the whole picture beats four who each know a corner of it.
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
Port Perry · Scugog · Prince Albert · Seagrave · Blackstock · Caesarea · Uxbridge — 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.
“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 review
“If you need help making your financial dreams come true, John is your guy. He will patiently work with you to set the goals you have in mind.” — Ian H., 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.
