Wealth Tax & Estate Planning

Without a plan in place, settling your affairs after you go can have a long-lasting and costly impact on your loved ones.  Essential to estate planning is transferring assets to heirs while creating the smallest possible tax burden for them. We help you do this through the following:


Tax and financial planning 
Net worth and cash flow projections; income splitting opportunities; use of tax planning vehicles, cross-border tax issues; tax-loss selling; capital gains exemptions/deferral; professional incorporation; principal residence exemption.


Retirement plans, pensions plans, and income funding 
Financial projections; comparing pension alternatives; identifying capital requirements to retire early; timing of pension receipts; CPP/QPP and OAS planning; retirement residence planning


Estate planning and wealth protection 
Will planning; choosing an executor; planning for elder care; minimizing estate conflicts; use of Lifetime (Inter-Vivos) or Testamentary Trusts; tax minimization.


Insurance solutions for personal and business 
Risk management; estate preservation, tax-efficient alternative investments; living benefits; also includes a detailed policy review; new business management; life, disability, long term care, and critical illness insurance.


Succession planning for business and property 
Technical issues regarding business successions (estate freeze, sale of assets vs. shares, shareholder agreements); family governance structures, separating family/ownership/management.