Your business made you successful. It probably hasn't made you secure.
Thompson & Pollock Wealth Inc. is an independent, partner-led firm that builds one coordinated plan across your corporation, your family, your staff and your eventual exit — so success on the P&L turns into wealth that survives you.
- A tax-efficient way to get money out of the corporation
- Benefits and pensions that keep your best people
- Coverage and agreements so the company survives a shock
- An exit plan built years before you need it
Limited roster — applications reviewed personally by a partner
What we find in almost every first meeting
Successful owners rarely have a money problem. They have a coordination problem — five providers, no plan, and nobody responsible for the whole picture.
Retained earnings piling up with no strategy.
Passive income inside the corporation can grind down your small business deduction and inflate the tax bill on the way out. Doing nothing is a decision with a price.
No buy/sell agreement, or one nobody funded.
An unfunded agreement is a promise without money behind it. If a partner dies or exits, the survivors either borrow, sell, or end up in business with an estate.
You are the single point of failure.
If you're out for six months, revenue stops and payroll doesn't. Key-person and disability coverage is the cheapest continuity plan a company can buy.
Your benefits plan renews at whatever the carrier says.
Most plans we review haven't been marketed in years. Owners are overpaying while offering staff a plan that isn't competitive enough to retain anyone.
Your personal plan is an afterthought.
Money went into the business for twenty years. Registered room is unused, the will predates the company, and there's no written picture of what retirement actually looks like.
No exit plan.
You get one chance to sell. Corporate structure, LCGE eligibility and clean books need three years of runway — decisions made at the offer stage are decisions made too late.
Our process
Deliberate, in order, and coordinated with your accountant and lawyer. Nothing gets recommended before we understand the whole picture.
- 01
The fit review (30 minutes, no cost)
We listen. The business, the family, the pressure points, and what you want to be true in ten years. Then we tell you honestly whether we can help.
- 02
Discovery and diagnosis
Corporate financials, shareholder structure, existing coverage, benefits plan, registered accounts, real estate and estate documents — one complete inventory.
- 03
Tax and compensation strategy
Salary versus dividends, Individual Pension Plan, capital dividend account, holding company, and how passive income affects your small business deduction. Modelled in dollars.
- 04
Protect the enterprise
Key-person, disability, critical illness and life coverage sized to the business, plus a funded buy/sell agreement drafted with your lawyer.
- 05
Take care of the team
Group benefits marketed across carriers and a group retirement plan or DPSP — the two most cost-effective retention tools available to a mid-sized employer.
- 06
Personal wealth and estate
Investments, retirement income modelling, RESPs, will and Powers of Attorney, so the family plan is as deliberate as the business plan.
- 07
Succession and exit
Valuation conversation, LCGE purification, family or management buyout, or a third-party sale — structured years ahead of the transaction.
What you get as a client
One team accountable for the entire picture, working alongside your existing accountant and lawyer.
Written financial plan
Corporate and personal in one document, reviewed as the business changes.
Corporate tax strategy
Built with your accountant and expressed in dollars, not theory.
Funded buy/sell structure
Agreement drafted with your lawyer and actually funded so it works when it's needed.
Independent insurance shopping
Full Canadian market for key-person, life, disability and critical illness.
Group benefits management
Marketed across carriers, benchmarked, and managed at renewal for you.
Group retirement / DPSP
Retention that costs less than a wage increase and vests on your terms.
Investment management
The Optimize Private Client Program — family-office-style management of corporate and personal capital.
Will & Power of Attorney preparation
Included with the plan and written around the corporate structure.
Why owners choose Thompson & Pollock
Johnathan Pollock, our Managing Partner, is the Amazon best-selling author of The Entrepreneur's Toolkit and has started, scaled and successfully sold multiple businesses of his own. You're talking to an owner, not a salaried advisor reciting a script.
We are independent. We aren't captive to one insurer or one fund family, so the recommendation is the one that fits your company — not the one on somebody's shelf.
Our roster is deliberately limited and every application is read personally by a partner. That's how clients get answered on the first ring, and why we decline work we can't genuinely improve.
Straight answers before you apply
- I already have an accountant and a bank advisor. Why you?
- Your accountant looks backward, your bank advisor sells the bank's shelf. We're independent, we look forward, and we coordinate the whole picture — corporation, family, staff and estate — in one plan.
- How big does my business need to be?
- Most clients are incorporated with $500K+ in revenue, though we make exceptions for fast-growing companies. The real question is whether you want a plan or a product.
- What does it cost?
- The fit review and planning conversation cost nothing. If you become a client, we disclose exactly how we're paid on each solution before you sign anything.
- Can you take over our group benefits plan?
- Yes. We market your plan across the Canadian carriers, benchmark what you're paying, and manage renewals so you're not re-quoting every year yourself.
- What happens after I apply?
- A partner reads your application personally and responds within five business days. If we're not the right fit, we tell you honestly and point you to someone who is.
Apply for a fit review
Tell us about the company. A partner reads every application personally and responds within five business days — with a straight answer either way.
Referred by an existing client? Use the referral path instead — referred families are reviewed first.
Prefer to talk? 905-243-6328