Estate planning isn't about death — it's about control. We help you structure your wealth so it transfers to the people and causes you care about, with as little lost to taxes and fees as possible.
A coordinated estate plan goes far beyond a will. We address every element that determines how your wealth actually transfers at death.
The most overlooked element of estate planning. Outdated or incorrect designations can override your will entirely — often with devastating consequences.
Strategic use of insurance, joint ownership, and registered accounts to keep as much of your estate out of probate as possible.
Using the Capital Dividend Account, corporate-owned life insurance, and holding company structures to transfer corporate wealth tax-efficiently.
Structured giving through donor-advised funds, charitable remainder trusts, or gifting appreciated securities — maximizing the impact of your generosity while minimizing your tax burden.
Moving assets to the next generation in a way that minimizes taxes, preserves family relationships, and reflects your intentions clearly.
Using permanent life insurance to create an immediate, tax-free estate at death — often the most cost-effective way to leave a significant legacy.
When you die, the CRA treats most of your assets as if they were sold at fair market value on that day. The resulting capital gains are taxable on your final return. For business owners, investors, and cottage owners, this can be a significant and entirely avoidable bill — if planned for in advance. We build strategies that address this directly.
Talk to us about your estate's tax exposureA permanent life insurance policy creates an immediate, tax-free benefit at death — bypassing probate, flowing directly to named beneficiaries, and often costing far less than the estate tax liability it offsets. For business owners, it also funds the Capital Dividend Account, enabling a tax-free distribution of corporate assets to shareholders. We integrate insurance into every estate plan where it makes sense.
Tax-free wealth transfer directly to your beneficiaries — bypassing probate entirely.
Corporate estate equalization between children in and out of the business — without forced asset sales.
Charitable legacy funded through permanent insurance without reducing what the family inherits.
We document what you own, how it's held, and what happens to each asset at death under your current structure.
We identify where taxes, probate, or misaligned designations would erode the estate you intend to leave.
We build a coordinated plan across insurance, account structure, and corporate holdings — in collaboration with your lawyer and accountant.
Estate plans must evolve as tax laws change, assets grow, and family circumstances shift. We review proactively.
We'll map your current structure and show you exactly where the gaps are — without obligation.