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Estate planning

Make sure your assets are protected and passed on, exactly the way you planned.

Secure your future with personal estate planning

Our services help individuals, families and businesses alike with practical tools for protecting their wealth.

Why plan your estate?

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Secure your assets

Estate planning helps you protect your assets and ensure they are passed on to the people you care about.

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Be proactive

Make tough decisions, like guardianship, with advice and your family's best interests in mind.

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Trusts and insurance

Protect your family's financial future with trusts and insurance policies, even after you're gone.

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Tax savings

With careful planning, you can minimize your tax liabilities and maximize the value of your estate.

Explore your estate planning options

Trustee and trust administration

Get peace of mind that your estate will be handled with care.

  • Comprehensive estate management

  • Compassionate assistance for grieving families

  • Guidance for executors who don’t know where to start

  • Financial direction for future investing

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Corporate executor

Guidance for complex or extensive trusts that need a helping hand. 

  • Impartial administration of assets and will

  • Unbiased, professional approach to estate management

  • Professional advice for complex assets

  • Management of ongoing trusts

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Ready to start planning your estate?

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Chat with an advisor

Book an appointment

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Visit a branch

Find a branch

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Call our Member Hub

Call 604-419-8888


Boost your estate planning know-how

Preparing you and your family for the future

Learn why planning an estate isn’t exclusive to billionaires, and what steps you can take to protect your assets and family, no matter what happens.


Get advice on the go

Life gets busy, but don't let that stop you achieving your goals. Whether you’ve got $50 or $50,000, we want to help power your possible – and we'll come to you to do it.

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Your estate planning questions answered

Estate planning is the process of preparing for the transfer of your assets and liabilities after you pass away. It includes creating a will, setting up trusts and other financial vehicles, naming beneficiaries and deciding how taxes should be paid.

Estate planning protects your family and loved ones from stress, uncertainty and financial hardship in the event of your passing. Most importantly, it can help you rest easy knowing that your hard-earned assets will be passed on exactly according to your wishes. 

Estate planning in Canada follows the laws of each province. Depending on where you live, you may need to pay probate taxes—a fee for processing a will or estate. The amount is usually based on the total value of your assets after any debts are paid off.

All debts and tax liabilities must be paid off before any remaining assets can be distributed to your heirs. Your appointed executor is responsible for filing your final income tax return after you die, which includes any income earned up until the time of death—including Registered Retirement Savings Plans (RRSPs) and other investments, plus any interest income on cash accounts.

The good news is that in Canada, money held in Tax Free Savings Accounts (TFSAs) and the capital gain exemption on a primary residence are not taxable.

When creating your estate planning checklist, consider all aspects of your finances and documentation.

This checklist should include:

  1. Your will (including your assets, beneficiaries, guardians, and executor)
  2. Power of attorney for financial and medical decisions
  3. End-of-life wishes (including funeral arrangements)
  4. Retirement benefits
  5. Life insurance policies
  6. Safekeeping important documents (birth certificates, land titles, marriage certificates, etc.)
  7. Digital assets (passwords, digital accounts, etc.)
  8. Financial planning (including investments, taxes, debts, etc.)
  9. Trusts and other financial planning vehicles (e.g. family limited partnerships)
  10. Charities or non-profit organizations that you want to support
  11. Estate taxes
  12. Special requests for personal items (jewelry, heirlooms, etc.)

If you're unsure about what should be included in your estate planning documents, we can help. Contact us to discuss your options.

Get in touch

No. A will is a legal document that outlines how you want your assets distributed after you die. Estate planning, on the other hand, is the process of creating and updating your will, listing beneficiaries, preparing for taxes, setting up trusts and insurance policies and more.

You can reduce estate taxes in Canada in several ways. First, you can transfer assets to family members while living. This is because any assets gifted before death are not subject to estate tax. You can also set up trusts or charitable organizations before your passing, which can help reduce the taxes due on your estate. Permanent life insurance policies can also help reduce taxes, as the proceeds are generally tax-free.

Have more questions?

Don’t hesitate to reach out. We’re just a live chat, video, or phone call away when you need us.

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