Financial Advisor for Renovation General Contractors
Renovation general contracting sits at the intersection of every trade on this site. Thompson & Pollock Wealth Inc. is an independent firm that's worked with renovation GCs and design-build firms across Durham Region, Northumberland and the GTA — and the planning challenges are not the same as a single-trade shop.
You're managing client deposits and progress draws, multi-trade sub-contractor T5018s, WSIB, holdbacks under the Construction Act, designer payroll, showroom costs, and a corporation that swings hard with each project's gross margin. We pull all of it into one coordinated plan.
What renovation GC owners get when they join
- Corporate tax strategy — extracting income tax-efficiently across uneven project years (salary vs. dividends, IPP, capital dividend account)
- Holding company & buy/sell structure — protect the opco from project-level liability and document partner exits
- Key-person, disability and critical illness insurance — what the company needs if you, your project manager or your lead designer is sidelined
- Group benefits — competitive plans that retain project managers, designers and lead carpenters
- Group retirement / DPSP plans — a real retention tool in a market where talent is the binding constraint
- Personal financial planning for the owner — RRSP/TFSA strategy, RESPs, will and Powers of Attorney drafted as part of the plan
- Succession and exit planning — sale to a project manager, family member, or third-party using the Lifetime Capital Gains Exemption
Why renovation GCs choose Thompson & Pollock
Most renovation GC owners we meet are brilliant at running jobs and exhausted by the business side. We sit down, model the next ten years of the corp and the family balance sheet, and show you which levers actually move the dial — corporate structure, retained-earnings policy, insurance layering, and an exit plan that doesn't get invented the year before you want out.
Johnathan Pollock has founded, scaled and exited multiple businesses of his own. The conversation about bringing a key employee in as a partner, financing a showroom expansion, or eventually selling the firm on a vendor take-back is one he's actually lived.
Because we're independent, we shop the full Canadian market for your insurance, group benefits and investments — you get the recommendation that fits your business, not the one paying the highest commission.
Areas we serve
Serving renovation general contractors across Oshawa, Whitby, Bowmanville, Clarington, Durham Region, Northumberland County, Prince Edward County, the GTA and New Brunswick — in person and via video.
Service areas
Talk to a planner who actually understands renovation contracting
A 30-minute intro call, no obligation. We'll listen first and tell you straight whether we can add value to your firm.