Equity on paper isn't wealth. It's a tax bill waiting for a date.
Thompson & Pollock Wealth Inc. builds the plan around your portfolio — ownership structure, financing strategy, protection and the eventual wind-down — so the doors you've collected turn into income you actually keep.
- Ownership structure modelled before you buy the next property
- Liquidity so the estate never gets forced to sell in a bad market
- Insurance sized to the mortgages, not to a rule of thumb
- A written income plan for the day you stop buying
Limited roster — applications reviewed personally by a partner
The five problems almost every investor we meet has
Investors are usually excellent at acquiring and poor at structuring. It doesn't hurt on the way up — it hurts at refinance, at retirement, and at death.
Everything is in your personal name.
Personal ownership can expose your home and other assets to a claim, complicates income splitting, and often produces the worst tax outcome at disposition.
There's no liquidity anywhere.
The deemed disposition at death on an appreciated portfolio can generate a seven-figure tax bill with no cash to pay it. The estate sells properties, fast, at whatever price it can get.
You're maxed out at the bank.
Lenders stop looking at the deal and start looking at your debt service ratio. Without a strategy for how cash flow and personal income are documented, growth stalls at exactly the wrong moment.
Insurance was bought per-mortgage at the branch.
Bank creditor insurance is expensive, shrinks as the mortgage amortizes, and pays the lender — not your family. A single properly structured personal policy usually costs less and covers more.
No retirement plan beyond 'the rents'.
Rent is a job with tenants attached. Without a plan to convert equity into passive income, most investors are still managing units at 70.
No will, or a will that predates the portfolio.
Multiple properties, joint ownership and corporations make probate messy. Without current documents, your family inherits a legal project.
How we build the plan
A sequence, not a product pitch. We work with your accountant and your mortgage broker so nothing is decided in isolation.
- 01
The fit review (30 minutes, no cost)
Portfolio, mortgages, income sources, family, and where you want this to end up. We tell you straight whether we can add value.
- 02
Map the real balance sheet
Every property, every mortgage, personal and corporate accounts, registered room, and the tax liability the portfolio would trigger today.
- 03
Structure
Personal versus corporate versus holdco, income splitting where it's allowed, and how the next acquisition should be titled — modelled in dollars, with financing consequences included.
- 04
Protect and create liquidity
Right-sized life, disability and critical illness coverage so the estate pays the tax bill with insurance dollars instead of a distress sale. Often this is the single highest-return decision on the list.
- 05
Diversify outside real estate
The Optimize Private Client Program gives your portfolio a second engine, so a flat decade in Ontario housing isn't a flat decade for your family.
- 06
Plan the wind-down and the estate
Which properties to sell and when, how to convert equity into income, and a will and Powers of Attorney drafted around the actual holdings.
What you get as a client
Everything under one roof, coordinated with the professionals you already use.
Written financial plan
Personal, corporate and portfolio, in one document that gets updated as you buy and sell.
Ownership & tax structure review
Built with your accountant, with the financing implications spelled out.
Independent insurance shopping
Full Canadian market for life, disability and critical illness — sized to your mortgages and tax exposure.
Estate liquidity strategy
So the deemed disposition never forces a fire sale.
Investment management
Family-office-style management for the capital that isn't in bricks.
Will & Power of Attorney preparation
Included, and written around multiple properties and corporations.
Retirement income modelling
The year you can stop buying, and what the income actually looks like after tax.
A partner on the phone
Direct access. No call centre, no rotating junior advisor.
Why investors choose Thompson & Pollock
We work with real estate every day — and with the trades who build it. That means we understand construction financing, holdbacks, contractor income and the reality of a portfolio that's half rental, half operating business.
Johnathan Pollock, our Managing Partner, is the Amazon best-selling author of The Entrepreneur's Toolkit and has built, scaled and sold businesses of his own. He is an owner talking to owners.
We are independent, so we shop the whole market. And our roster is deliberately limited — every application is read by a partner, and we decline work we can't genuinely improve.
Straight answers before you apply
- Do you sell real estate or find me deals?
- No. We're not realtors or deal-finders. We handle everything around the portfolio: the tax structure, the financing strategy, the protection, and how the whole thing turns into retirement income and an estate.
- How many doors do I need?
- Most investors we work with own between two and forty units, or a mix of rentals and an operating business. The filter is intent, not door count.
- Should I incorporate my rentals?
- Sometimes yes, often no — it depends on financing, the number of properties, your other income, and your exit horizon. We'll model both and show you the numbers before anyone recommends anything.
- What does it cost?
- The fit review and the planning conversation cost nothing. If you become a client, we disclose exactly how we're compensated on every product before you sign anything.
- 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 say so directly.
Apply for a fit review
Tell us about the portfolio. A partner reads every application personally and responds within five business days — with an honest answer either way.
Referred by an existing client? Use the referral path instead — referred families are reviewed first.
Prefer to talk? 905-243-6328