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Disclaimer
This website is written to explain how estate, succession and insurance planning work. It is education, not advice about your situation.
Last updated: September 15, 2026
General education only
The content on this website is general education only. It is not tax, legal or investment advice, and it is not a recommendation to buy any product. Nothing here creates an advisor relationship, and nothing here should be acted on as though it were advice about your circumstances.
Your circumstances decide the answer
Every strategy described here depends on individual circumstances: what you own, how it is held, who depends on you, and what the rules require at the time. A strategy that suits one family can be wrong for another. Speak with us, and with your accountant and lawyer, before acting on anything you read here.
No guarantee of outcomes
Nothing on this website is a promise or guarantee of any particular result, and examples are illustrative only. Outcomes depend on facts, timing, underwriting and the rules in force when a plan is carried out.
Insurance products
Insurance coverage is subject to the terms and conditions of the policy and to the insurer’s underwriting. Coverage exists only once a policy is issued and in force. Non-guaranteed values, including participating dividends, can change.
Tax and legal rules
Tax and legal rules change, and the treatment of a strategy can change with them. Information on this website may not reflect the most recent changes, and we do not undertake to update it as rules change.
Licensing
Yan Charitar and Rishaun Daniels are licensed life insurance advisors in Ontario. We are not lawyers or accountants, and we do not provide legal or tax advice.
Third-party links
This website links to third-party sites, including our scheduling provider. We do not control those sites, we are not responsible for their content or their privacy practices, and a link is not an endorsement.
Questions
If anything here is unclear, email info@futurenestfinancial.ca and we will explain it.