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Family Business Planning Strategies

67% are at Risk of Succession Failure If you are an owner in a family enterprise, the likelihood of your business successfully transitioning to the next generations is not very good.
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Taxation of Life Insurance - New Rules Offer a Window of Opportunity

Permanent life insurance, such as Whole Life or Universal Life, has long been accepted as a tax efficient way of accumulating cash for future needs.  Soon the amount of funds that can be tax sheltered within a life insurance policy will be…
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Changes to the Taxation of Estates

Estate, trust and tax planners have long favoured testamentary trusts as vehicles to pass along assets to beneficiaries or heirs.   A testamentary trust is generally a trust or estate that is created the day a person dies.  Commonly, these…
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The Estate Bond

Growing your estate without undue market risk and taxes Often we see older investors shift gears near retirement and beyond.  Many become risk adverse and move their assets into fixed income type investments.  Unfortunately this often results…
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Pay Attention to Your Beneficiary Designation

It’s more important than you think Naming a beneficiary is a valuable feature of life insurance and segregated funds policies so it is important to carefully choose your beneficiaries. Estate – the default choice Many people choose to…
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Estate Planning for Blended Families

 Avoid Disinheriting Your Children In today’s family it is not unusual for spouses to enter the marriage with children from previous relationships.   Parents work hard at getting these children to functionally blend together to create a…