Your estate represents a lifetime of work, decisions and relationships. A clear plan can help protect the people you care about and provide direction for the wealth you leave behind.
We coordinate estate planning with your investments, insurance, tax strategy and wider financial goals.
More than preparing a will
A will is essential, but it's only one part of an estate plan. Your financial strategy should also consider how assets are owned, how taxes and expenses will be funded and whether your intended beneficiaries are prepared to receive wealth.
Planning may address:
- Family and charitable beneficiaries
- Powers of attorney
- Beneficiary designations
- Tax and liquidity needs
- Business interests
- Insurance coverage
- Inheritance timing
Preparing for an efficient estate transfer
Estate transfer can involve registered accounts, investments, real estate, insurance and corporate assets. Each may be treated differently at death.
We help identify financial considerations and coordinate with your legal and tax professionals. This keeps your financial plan connected to the legal documents and specialized advice supporting your wishes.
Planning for significant family wealth
Estate planning for high net worth individuals often involves added complexity.
There may be several properties, investment accounts, corporations and generations to consider.
High net worth estate planning can help you think through:
- How wealth should be divided
- Whether inheritances need structure
- How future tax obligations may be funded
- How to support a spouse or dependant
- Whether charitable giving should be included
The aim is to preserve both wealth and family clarity.
Estate planning for business owners
Your company may be one of your largest assets. It may also support employees, partners and family members.
Estate planning for business owners should coordinate ownership, succession, tax, insurance and personal wishes. A thoughtful strategy can help prepare for an orderly transition while protecting the people who depend on the business.
The role of insurance
Life insurance can provide cash when an estate faces taxes, debts or other expenses. It may also help create an inheritance, support a spouse or balance gifts among beneficiaries.
We consider insurance as one part of the complete estate strategy, based on your assets, obligations and goals.
A plan that changes with your life
Family circumstances, assets and priorities can evolve. We provide ongoing reviews to help keep your estate strategy aligned with your broader financial plan.
From our Newmarket office, we serve clients throughout Barrie, King City, Muskoka, Keswick and North Central Ontario.