Estate planning is not just for the ultra-wealthy.
The fact is that real money will be left behind after your passing. You worked hard for that money. Shouldn’t it go to those you love or to a charity that shares your values? Make sure your money goes where you want it to be.
If you don’t plan carefully, your estate can be taxed away.
There can be many tax liabilities triggered by your passing, and solutions should be arranged in advance. Can you believe that a house passed on to the next generation might have to be forcibly sold to cover the tax bill? What a terrible outcome. A financial advisor can help you avoid preventable situations like this one.
An Insurance Advisor can help you with the process of setting up a will, a letter of direction, power of attorney, and other estate arrangements.
Wills
A will is a written document, properly signed, which: (1)specifies who is to administer the estate (the executor), (2) specifies what is to happen with the assets and liabilities of…
Letter of Direction
Broadly speaking a letter of direction is any letter that gives instruction and guidance to a recipient. Letters of direction are also common in situations when somebody has passed away, and…
Power of Attorney
What if you were in a coma, or otherwise incapacitated such that you were unable to communicate? Or struck with a disease or other tragedy which affected your mind? Who should control…
Life Insurance
With Permanent Life you have the ability to change your coverage, deposits and investment choices in response to your changing needs, conditions, or circumstances. Deposits are…
Estate Planning
Many people assume that estate planning is only for the wealthy. So, it must come as a shock to the families of all the Canadians who die every year without a will when the province takes…
Tax Planning
Taxes are a fact of life. They affect every Canadian in most aspects of their lives. Whether it’s earning an income, making a purchase, owning real property, investing, running a…
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