Cottage & Estate Structuring

If something were to happen tomorrow, would your cottage transfer smoothly — or create tax and family tension?

We help families:

Prepare for capital gains tax on secondary properties

Equalize estates between children

Structure insurance to fund tax liabilities

Coordinate with legal and accounting professionals

Create written clarity around usage, maintenance, and decision-making

The goal is simple:
Preserve the cottage. Preserve the relationships.

Estate & Personal Care Planning

Life can shift quickly — illness, mobility changes, cognitive decline.

We ensure your family is not left guessing.

This includes:

Coordinating wills and powers of attorney

Reviewing beneficiaries across all registered and non-registered assets

Organizing your financial footprint into a structured plan

Preparing executors and family members for their responsibilities

Planning ahead reduces stress later.

Insurance Strategies

Insurance is often the most efficient tool for:

Funding estate taxes

Creating liquidity

Equalizing inheritances

Protecting family wealth

We specialize in:

Participating Whole Life strategies

Tax-efficient legacy funding

No-medical solutions for clients with health concerns

Used properly, insurance creates certainty where uncertainty would otherwise exist.