Your Legacy

You have worked all your life and saved for retirement. What other planning work could possibly be left?

Estate planning is not just for the ultra-wealthy. The fact is that real money will be left behind after your passing. You worked hard for that money. Shouldn’t it go to those you love or to a charity that shares your values? Make sure your money goes where you want it to be.

If you don’t plan carefully, your estate can be taxed away. There can be many tax liabilities triggered by your passing, and solutions should be arranged in advance. Can you believe that a house passed on to the next generation might have to be forcibly sold to cover the tax bill? What a terrible outcome. A financial advisor can help you avoid preventable situations like this one. An advisor can help you set up a will, a letter of direction, power of attorney, and other estate arrangements.

If you don’t have a will, the province steps-in to take control of your assets. With the help of a financial advisor, you can prevent this from happening and create a legacy you can be proud of.

Will

A will is a written document, properly signed, which: (1)specifies who is to administer the estate (the executor), (2) specifies what is to happen with the assets and liabilities of the estate, (3) specifies certain other wishes such as...

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Power of Attorney

What if you were in a coma, or otherwise incapacitated such that you were unable to communicate? Or struck with a disease or other tragedy which affected your mind? Who should control your finances, or your assets? A Power of Attorney ensures that...

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Estate Planning

Many people assume that estate planning is only for the wealthy. So, it must come as a shock to the families of all the Canadians who die every year without a will when the province takes control of the estate to decide how the assets are to be...

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Letter of Direction

Broadly speaking a letter of direction is any letter that gives instruction and guidance to a recipient. Letters of direction are also common in situations when somebody has passed away, and the executor requires documentation to prove they are...

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Life Insurance

With Universal Life you have the ability to change your coverage, deposits and investment choices in response to your changing needs, conditions, or circumstances. Deposits are applied to the policy as they are paid each month or...

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Tax Planning

Taxes are a fact of life. They affect every Canadian in most aspects of their lives. Whether it's earning an income, making a purchase, owning real property, investing, running a business, or transferring your estate, life is full of taxable consequences that...

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Other Services

What are the benefits of working with a Financial Planner?

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You are more experienced now, your bank account is larger, and it is easier to think further ahead....

Without barely a moment’s thought, you would protect your family from an immediate threat. But would...

What our clients are saying...

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