Estate Planning

“Planning your estate matters is first and foremost about having a will. But it can also be much more. A well-thought-out estate plan ensures that your family is cared for should something happen to you, and that your money goes where you want it to. It’s an important pillar of managing your wealth.

Individual requirements range from drafting a simple will and enduring power of attorney to a complex estate plan that includes an estate freeze.”

Estate planning is about life – in the present and in the future. Most importantly, estate planning is about the life of your family, your loved ones and the peace of mind you get from helping to provide for their financial security. A well-prepared estate plan will also help uncover alternative solutions you hadn’t considered or didn’t know were available.

Whether your estate is of large or modest value, your estate plan should be part of your total financial strategy and based on solid financial planning principles. In its essence, estate planning addresses the establishment or continuation of a tradition, one that involves the accumulation, conservation and distribution of assets in a tax-efficient manner.



  • Leave a will

  • Plan a funeral

  • Prepay your funeral

  • Buy life insurance to cover expenses

  • Give gifts before death

  • Spend unsheltered assets first

  • Farm succession planning

  • Use final RRSP contributions

  • Buy permanent Life Insurance as an investment

  • Transfer property to joint ownership

  • Set up trust funds

  • Make arrangements in case of incapacity


Financial Security Planning

Financial security planning is about more than preparing for retirement. It’s about working to achieve short and long-term goals, and helping protect the most important things in your life. We will work with you to help create a plan that includes solid insurance and investment products and is flexible enough to meet your changing needs.

The first step to achieving your financial goals is creating a strong financial strategy.
We will work together to prepare a plan that helps you:

  • Prepare for a secure, comfortable retirement or minimize your current taxes
  • Pro-actively manage and control debt, from major purchases to preparing for a child’s post-secondary education
  • Help provide for your loved ones or heirs in the event of death, disability or critical illness
  • Help protect your business and your employees through affordable benefits