Proudly serving Ontario, British Columbia & Alberta.

Advisory Services

Estate & Trust Planning 

Estate Taxes – the biggest tax bill you may ever have.

Estate taxes can often be the most substantial financial burden you’ll ever face. However, there are cost-effective solutions to solve this problem.

Our experts specialize in calculating and recommending the most efficient strategies for paying estate taxes, frequently leading to savings of 50% or more.

These savings can translate into millions of dollars preserved for you, your loved ones, and your business.

Implementing the use of a Trust, multiplying the Lifetime Capital Gains Exemption, an estate freeze, establishing a Donor Advised Fund, a spousal rollover, and a variety of other strategies are all helpful in minimizing this tax bill.

However, this tax burden cannot always be completely eliminated.

We will help you significantly reduce the cost of this tax bill. 

Whole Life Insurance

There’s a reason the Rockeller Family, Elon Musk, Walt Disney, and many other highly successful individuals used Whole Life Insurance during their lifetime to help them achieve success.

Whole Life Insurance policies come with both living and death benefits.

These policies provide permanent life insurance that does not expire, does not increase in price, and can be paid off in a very short time frame so you are not stuck with a lifetime of payments.

Corporately-owned life insurance policies can also provide significant tax benefits to corporations, allowing for money to be transferred out of the corporation both tax-efficiently and tax-free.

The living benefits of a Whole Life Insurance policy are substantial.

Whole Life Insurance policies come with an investment account, called the cash value, which can be used during your lifetime.

This investment is guaranteed to increase in value year-over-year, grows without any annual tax bill, and can be used on a tax-free basis for business or personal needs.

Group Benefits & Group RRSP + DPSP

We have aligned ourselves with Canada’s top group benefit and group RRSP + DPSP providers to ensure you have the most up-to-date and valuable offerings in the marketplace. ASO and standard health plans are available.  

Disability Insurance

If you become injured or sick and cannot work, Disability Insurance can provide you with tax-free monthly income to the age of 65.

Critical Illness Insurance

Protect yourself against dozens of major illnesses such as heart attack, cancer, stroke, and Alzheimer’s Disease. You will receive a tax-free lump sum cheque if you become ill with one of the sicknesses covered.

You can also receive 100% of your premiums back, tax-free, if you do not get sick or make a claim.

Philanthropy

Our firm is a supporting Advisor to the Sick Kids Foundation.

We provide strategic advice to significantly increase your charitable donations, at no additional cost to you.

We can turn your taxes into charitable donations and help you create a bigger impact than you ever thought possible.

Insurance for your Children & Grandchildren

When you buy a Whole Life Insurance policy for your Child or Grandchild, you are giving them a pension that lasts a lifetime.

The savings account in a Whole Life Insurance policy is guaranteed to increase in value every year, guaranteed never to decrease in value, you do not pay tax on annual growth, and the funds are always accessible whenever you or your child needs them.

A Whole Life Insurance policy can help your child pay for College or University, purchase their first home, start their first business, and many other milestones in their life. It can even be used for their retirement.

Buying Whole Life Insurance for your child also guarantees they will have life insurance for their entire lives, regardless of any future health issues that may arise.

A Critical Illness Insurance Policy will protect your child against dozens of major illnesses, such as Cerebral Palsy, Cystic Fibrosis, Cancer, Muscular Dystrophy, and many more illnesses.

You may qualify for a 75% reimbursement of the premiums you paid for this Critical Illness Policy if no claims have been made by your child’s 25th birthday or the 15th policy anniversary, whichever is later.

Even with this 75% return of premium, your child’s complete coverage will remain in force.