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Johnathan Pollock, Owner - Thompson & Pollock Wealth

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Johnathan Pollock, Owner - Thompson & Pollock Wealth

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Comprehensive, personalized, and hand crafted financial plans. Protect your family and business and become a master of your finances.

11/01/2026

If income splitting is your only reason for a family trust, the cost may outweigh the tax benefit.

Canada's income-splitting rules now limit benefits to beneficiaries who genuinely contribute to the business. A trust can still support control and estate planning, but the tax case needs to fit your family. What would you want a trust to accomplish beyond income splitting?

https://thompsonpollock.com/blog/structure-family-trust-tax-efficiency-canada

11/01/2026

Construction business tax planning starts with the Friday payroll, even when a client's holdback is still unpaid.

That gap matters: taxable income can differ from your bank balance, so plan for the tax bill while keeping cash available for the next job. How do you account for holdbacks when forecasting cash for payroll and taxes?

https://thompsonpollock.com/blog/construction-business-tax-planning

10/31/2026

When you're busy running the business, wealth management services can help clarify what revenue is actually available for personal wealth building.

Gross revenue isn't the same as cash you can invest or set aside. A clear view of business cash flow is a practical first step. How do you currently separate business needs from money available for your future?

https://thompsonpollock.com/blog/wealth-management-services-business-owners

10/30/2026

That shoebox of receipts can make it harder to optimize your taxes as a Canadian business owner.

Keep documentation for every business expense you claim. If you can't support a deduction with receipts, you may lose it. A simple habit, with real tax consequences. What system do you use to keep business expense receipts organized?

https://thompsonpollock.com/blog/how-to-optimize-your-taxes-canadian-business-owner

10/30/2026

A repair bill after a tenant moves out may fit among the 7 ways to optimize rental income tax in Canada if the work restores the property. Keep the receipt and note what the repair fixed. Details matter when supporting a deduction.

Was the work a repair that restored the property, or an improvement that added lasting value?

https://thompsonpollock.com/blog/7-ways-to-optimize-rental-income-tax-in-canada-optimize-rental-income-tax-canada-7-ways

10/30/2026

Idle cash in your corporation is a prompt to plan how retained earnings can support business needs and retirement. Wealth management for professional corporations in Canada means coordinating those goals with corporate tax rules. Passive income above $50,000 can begin reducing access to the Small Business Deduction. How much cash does your corporation need to keep available, and what could be directed toward retirement?

https://thompsonpollock.com/blog/wealth-management-for-professional-corporations-in-canada-wealth-management-for-professional-corporations-canada

10/29/2026

Before advisor consolidation, copy and date every beneficiary designation so you can compare it with the new paperwork.

A dated record helps you spot changes before accounts move. Have you gathered the current designations for every account and policy?

https://thompsonpollock.com/blog/mitigating-risks-financial-advisor-consolidation

10/29/2026

The 7 best financial planning services for families in Oshawa include bank-based planning for households juggling a mortgage, TFSA, RRSP, and RESP. A practical fit for a simpler financial picture, with fees and service scope confirmed in writing.

Which part of your family finances would you want a bank planner to help coordinate?

https://thompsonpollock.com/blog/7-best-financial-planning-services-for-families-in-oshawa

10/29/2026

Deciding how to pay yourself from a corporation? Start with what your household needs and your family situation.

Then weigh how much cash to take home against what to leave in the company. Salary can build RRSP room and CPP benefits; dividends avoid payroll taxes but create no RRSP room. What matters most in your pay mix right now?

https://thompsonpollock.com/blog/7-tax-efficient-ways-to-pay-yourself-from-a-corporation

10/29/2026

When grief is already heavy, estate planning business owners do now can spare family members uncertainty later.

Clear succession documents can set out who controls the business and how decisions get made. A will and power of attorney are key starting points. What decisions would your family need clear guidance on first?

https://thompsonpollock.com/blog/estate-planning-business-owners

Address

179 King Street E, 2nd Floor
Oshawa, ON
L1H1C2

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.ThompsonPollock.com/, http://www.Thompsonpollock.com/, http://www.Thompsonpollock.com/

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