Estate & Legacy
One plan, not a shelf of products.
Investment, tax, estate, and succession decisions all affect each other. We build a single plan that accounts for how they interact, rather than treating each in isolation.
01
Investment Management
A portfolio built around your timeline and tolerance for risk, not a generic model.
Investment Strategy
We start with what the money is for and when you’ll need it, then build the portfolio to match. That means the strategy changes as your life does, not when the market makes headlines.
Asset Allocation
The mix between equities, fixed income, and cash does more for long-term results than picking individual holdings. We set that mix deliberately and rebalance it on a schedule.
Risk Management
Risk isn’t just volatility — it’s the chance of being forced to sell at the wrong time. We plan liquidity so that a short-term need never dictates a long-term decision.
02
Tax-Efficient Strategies
Structuring income, withdrawals, and accounts to keep more of what you earn.
RRSP / TFSA Strategy
Which account to fill first depends on your current bracket versus the one you expect in retirement. Getting the order right is often worth more than a percentage point of return.
Corporate vs Personal Income
For incorporated professionals and business owners, the salary-dividend-retained-earnings decision is made yearly, not once. We model the combined personal and corporate tax before you draw.
Withdrawal Sequencing
In retirement, the order you draw from non-registered, RRSP, and TFSA accounts determines your lifetime tax bill and whether you keep your OAS. We map that sequence in advance.
03
Estate & Trust Planning
Making sure your assets pass to the people you intend, with as little friction as possible.
Wills & Trusts
A will directs what happens; a trust can control when and how. We work alongside your lawyer so the financial plan and the legal documents say the same thing.
Beneficiary Planning
Named beneficiaries on policies and registered accounts pass outside the will and outside probate. They also go stale — after a marriage, a divorce, or a death, they need reviewing.
Probate & Tax Exposure
At death, registered accounts and appreciated property are generally deemed disposed of, creating a tax bill in one year. We size that bill in advance and arrange the liquidity to pay it.
04
Business Succession
Planning the transition of a business to family, partners, or a new owner.
Succession Structuring
Whether the business goes to family, a partner, or an outside buyer changes the structure entirely. Deciding the destination early is what makes the rest of the plan possible.
Shareholder Agreements
The agreement should say what happens if a shareholder dies, becomes disabled, divorces, or simply wants out — and where the money to buy their shares comes from.
Valuation & Funding
A buy-sell clause is only as good as the funding behind it. Insurance is commonly used so the surviving owners aren’t forced to find cash at the worst possible moment.
05
Intergenerational Transfer
Passing on wealth in a way that supports the next generation without creating conflict.
Legacy Planning
Start from what you want the money to do — support a grandchild’s education, keep a property in the family, fund a cause. The structure follows from the intention.
Gifting Strategy
Giving during your lifetime lets you see the benefit and can reduce the eventual estate, but it has tax consequences. We work out how much you can give without affecting your own security.
Family Governance
Most inheritance disputes come from surprise, not unfairness. A conversation with the next generation while everyone is still here prevents the majority of them.