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.
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.
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
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.
A 30-minute intro call, no obligation. We'll listen first and tell you straight whether we can add value to your firm.
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.
