Our Investment Partners
Our Insurance Partners
Unclear intentions create disputes. We help you document your wishes clearly and structure your estate to minimize disagreements and confusion.
Your RRSP/RRIF could trigger a massive tax bill at death. We implement strategies to reduce or defer these taxes, preserving more for your beneficiaries.
If you have minor children or dependents with special needs, we help establish proper guardianship provisions and trusts to secure their future.
Many people don't realize that beneficiary designations override your will. We review all your accounts—RRSPs, TFSAs, life insurance, pensions—to ensure designations align with your wishes and minimize tax exposure. Proper account titling can also avoid probate fees entirely on certain assets.
Death triggers a deemed disposition of all your assets, potentially creating a six-figure tax bill. We work with your legal and tax advisors to implement strategies like spousal rollovers, charitable giving, life insurance planning, and trust structures that legally minimize taxes and maximize what passes to your heirs.
Your will is only one piece of the puzzle. We ensure your financial plan aligns with your legal documents, including powers of attorney for property and personal care. This coordination prevents conflicts and ensures someone you trust can manage your affairs if you become incapacitated.
Want to support causes you care about while reducing taxes? We help structure charitable bequests, donor-advised funds, and other giving strategies that create lasting impact while providing tax benefits to your estate.
If you own a business, we help create a succession plan that ensures smooth ownership transfer, minimizes tax consequences, and protects both your family and your business legacy.
Most people create a will and think they're done. But your will doesn't control everything. RRSPs, TFSAs, life insurance, and jointly-owned property all pass outside your will. We look at the complete picture—your financial assets, tax situation, family dynamics, and long-term goals—to create an integrated estate plan that actually works.
If something happens to you without proper planning in place, your family faces: unnecessary probate fees (1.5% of estate value in Ontario), potential family disputes, frozen accounts while courts sort things out, and potentially hundreds of thousands in avoidable taxes.
None of us know what tomorrow brings. The best time to plan your estate is while you're healthy and clear-minded.
We'll review your current situation, identify gaps in your estate plan, and show you exactly how to protect your legacy and provide for your loved ones. Get the peace of mind that comes from knowing your affairs are in order.