Six pieces of one plan
Estate planning, insurance and retirement income for families and owners in Mississauga, Peel and across Ontario. Most people arrive needing one of these and leave having found out it depends on two others.
- 01Estate planningEstate planning is the whole picture before any single document: what you own, who depends on it, and what actually happens to it now. The will is one part, a lawyer draws it, and the rest is the work of making sure it can be carried out without your family selling something to do it.
- 02Life insuranceLife insurance is sized to a number, and the number comes from the estate you intend to leave, not from a rule of thumb. Term, permanent and joint coverage all do different jobs, and which one fits depends on what the money is for and how long it needs to be there.
- 03Final expense and probateSettling an estate costs money before the estate pays anything out. Probate is the visible part of that, and in Ontario it is charged on the value of the estate and is generally payable when the application is filed, which is before anyone has received a penny.
- 04Retirement incomeRetirement income planning is the order in which you draw things down, and what each choice leaves behind. RRSPs, TFSAs and pensions are taxed differently on the way out and treated differently by an estate, so the sequence matters as much as the total.
- 05Beneficiaries and trustsA beneficiary designation on a policy or a registered account decides where that money goes, and it usually overrides what the will says. It is the most common thing to be out of date on an otherwise careful plan, and nobody finds out until it is too late to change.
- 06Business successionA succession plan answers what happens to the business if an owner dies, leaves or cannot work, and whether the money exists to do it. An agreement that names the outcome without funding it is a document, not a plan.
Anywhere in Ontario
- The whole provinceLicensed provincially. In person, by phone or on video, wherever you are in Ontario.
- Peel and YorkWhere most clients are, and where in-person meetings are easiest to arrange.
- First call freeTwenty minutes, to work out whether there is anything worth doing at all.
- Alongside your advisersThe lawyer draws the documents. The accountant keeps the tax. He builds the plan they work from.
Not sure which one you need? That is what the first twenty minutes are for.