Financial Planning for Contractors and Trades
The Work Pays When You Can Show Up. The Plan Has to Survive When You Cannot.
Project schedules, holdbacks, equipment costs and owner dependence can make household cash flow and business cash flow the same problem. A plan has to treat them that way.
Contractors and trades
Protect the income the work produces
This hub is the regional starting point for contractors, trades owners and incorporated operators. It is written for the cash-flow pattern, not for one city’s construction cycle.
If you work in Ottawa, Kingston or Cornwall, use that city’s contractors and trades page. Other communities we serve are linked below.
Business and Household Share the Same Risk
What Contractor Planning Usually Has to Fix
When you are the rainmaker, an injury, a slow season or a large receivable can hit the company and the family in the same month. Advice built for salaried employees will miss that.
Separate operating cash from household pay
A draw, tax reserve and equipment sinking fund keep a strong month from disappearing into spending that the next slow stretch cannot support.
Protect the person holding the tickets and the relationships
Disability, overhead, life and, where relevant, key-person coverage address the risk that the work stops while trucks, shop costs and mortgages do not.
Invest on a schedule the jobs can actually fund
RRSP, TFSA and corporate investing should follow a contribution rule you can keep through uneven seasons, not a lump sum only after an unusually good year.
Plan a life that does not require you on every job
Retirement, sale or succession need a valuation, a successor and personal savings that do not assume you can keep working at the same pace.
The work pays when you can show up. The plan has to survive when you cannot.
Cities We Serve
Choose the City Page That Matches Where You Work
City pages are independent, indexable URLs. Ottawa, Kingston and Cornwall each have a dedicated contractors and trades page. Other communities currently use their general financial-planning pages.
Kemptville
Financial planning for families and professionals in Kemptville and North Grenville.
Financial planning in KemptvilleBrockville
We work with clients in Brockville. Start from the communities we serve, or book a review and we will meet you where you are.
Financial planning in BrockvilleBelleville
We work with clients in Belleville and the Quinte area. A conversation is the right next step until a dedicated city page is published.
Financial planning in Belleville
Is this the Ottawa, Kingston or Cornwall contractors page?
No. This hub explains contractor planning in general and links to city pages. Ottawa, Kingston and Cornwall each have their own URL, local context and self-referencing canonical. None of these pages should redirect to each other.
I am incorporated. Is this still the right conversation?
Yes. Compensation, retained earnings, personal insurance and retirement should be planned together with your accountant, whether you operate as a sole proprietor or a corporation.
Do you work with trades outside Ottawa?
Yes. The office is in Ottawa. Clients in Kingston, Kemptville, Cornwall, Brockville, Belleville and nearby communities can meet in person or by video.
Start with the city you work in
Start With the City You Work In
Open the Ottawa, Kingston or Cornwall page if that is your market. Otherwise choose a community page and book a review so cash flow, protection and life beyond the tools are planned together.
Build a life that does not require you on every job.
Financial Planning for Contractors and Trades Areas We Serve
Explore Centerpointe Financials support across Ottawa and neighbouring Eastern Ontario communities.
Financial planning, insurance, investment, tax and legal needs vary by individual. Information on this page is general and does not constitute tax, legal or investment advice. Insurance and investment products are subject to eligibility, contractual terms, licensing requirements and jurisdictional rules. Consult appropriately qualified professionals before making financial, tax, legal or incorporation decisions.