What you build should reach the next generation intact.

For Business Owners & Families with Significant Assets

We map how your corporation, real estate and investments can be taxed at death, and plan the order in which value moves to the next generation.

For Growing Families

We start with what matters most: the right beneficiaries, a current will and guardianship for your children, prepared with your lawyer.

For Business Owners & Families with Significant Assets

A business needs a next owner, a fair price and the money to complete the transfer. We help design and fund it, alongside your accountant and lawyer.

For Growing Families

Succession is also who cares for your children, who manages what they inherit, and when they receive it. We help you decide deliberately.

For Business Owners & Families with Significant Assets

Permanent coverage can provide cash at death, fund a buy-sell and, when owned by a corporation, may allow proceeds to reach the family through the Capital Dividend AccountCapital Dividend AccountA notional account a private corporation keeps to track certain amounts it received tax-free, such as the untaxed portion of capital gains and qualifying life insurance proceeds. The balance may be paid to shareholders as a capital dividend, which Canadian residents can generally receive tax-free when the election is filed correctly., subject to the tax rules.

For Growing Families

Permanent coverage bought early can stay in place for life. It protects the family while the children are young and can become part of what they inherit.