Planning across generations.

Yan Charitar studied Criminology and Sociolegal Studies at the University of Toronto, on a path towards law. He went into financial services instead, but the grounding stayed with him. Estates, trusts and succession are legal structures first, and knowing how they are built is what makes them possible to plan around.

He entered the industry at twenty-two and brings 8+ years of experience, having worked with 450+ clients. His work centres on incorporated business owners and their families: corporate insurance, estate planning and succession, and the question of how value moves from one generation to the next. He also works with growing families who want protection in place early.

Yan works alongside clients’ accountants and lawyers, so that the insurance and the structures they design hold together. He does not provide legal or tax advice.

Rishaun Daniels has worked in financial services since 2022, with individuals, families and business owners who want to protect what they are building. His work covers life insurance, tax-aware planning, coordinated with clients’ accountants, and long-term financial planning.

He is drawn to simplifying complex financial concepts, so that clients can make decisions confidently rather than take them on trust. His aim is to help more people put lasting, long-term financial security in place for their families.