A thoughtful estate and legacy plan makes sure the people and causes you care about are looked after—simply, tax-efficiently, and with as little stress as possible. We help you organize documents, align beneficiary designations, and use insurance and investment tools so your wishes are carried out the way you intend.
What It Covers
- Wills & beneficiary designations: Keep your will current and coordinate it with registered accounts and insurance so assets pass smoothly outside probate where appropriate.
- Powers of attorney / mandates: Appoint trusted decision-makers for property/finances and for personal care if you’re unable to act.
- Trusts & control: Use family or testamentary trusts to protect minors, loved ones with special needs, or to stage inheritances over time.
- Tax-efficient transfer: Reduce taxes at death with smart account placement, estate equalization, and timing strategies.
- Charitable legacy: Structure gifts (including life insurance or securities in-kind) to amplify impact and potential tax relief.
- Documentation & readiness: Centralize key documents, contacts, and digital access so your executor isn’t left guessing.
Why It Matters
- Clarity for your family: Clear instructions avoid confusion, delays, and conflict.
- Lower costs & taxes: Good planning can reduce probate exposure, administrative costs, and the tax bill on final returns.
- Protection during life: Incapacity planning ensures bills are paid, care choices are respected, and your business can keep running.
- Legacy with purpose: You decide what “enough” looks like for each beneficiary and how (and when) they receive it.
Who Should Consider It
- Families with dependents or blended families: Who need precision and fairness in estate division.
- Business owners: Who must plan for succession, key-person risk, and liquidity.
- Property & investment holders: With taxable estates who want to minimize erosion from taxes.
- Caregivers & special-needs families: Who require long-term protection and continuity.
- Philanthropic clients: Looking to build a lasting community impact through structured giving.
Tools We Use
- Life insurance: Creates tax-efficient liquidity to pay taxes, equalize inheritances, or fund charitable bequests.
- Beneficiary alignment: RRSP/RRIF, TFSA, pensions, and insurance reviewed to match your will and intentions.
- Trust structures: For control, creditor protection (where applicable), and professional management.
- Gifting strategies: During life or at death, including donor-advised funds and appreciated securities.
- Business continuity plans: Buy-sell agreements, key-person coverage, and clear succession steps.
Our 4-Step Process
- 1.Needs analysis: Income, debts, dependents, and goals.
- 2.Quote & compare: Multiple carriers for price and conversion options.
- 3.Discovery & inventory: People, property, accounts, insurance, and your priorities.
- 4.Design: Side-by-side options to balance simplicity, control, taxes, and timing.
- 5.Coordinate & implement: Work with your lawyer and tax professional to finalize documents; align beneficiaries and funding.
- 6.Maintain: Annual reviews or life-event updates (marriage, birth, sale of a business, new property).
Ready to put your wishes in writing—and make them work in real life?
Book a short call. You’ll get a practical checklist, beneficiary review, and a clear action plan to protect the people and causes that matter most.