Estate Planning
Protect your family and your assets. Estate planning isn't just for the wealthy — every Canadian adult needs these basics in place.
56% of Canadian adults don't have a will. Without one, the government decides who gets your assets, who raises your children, and your family may face months of legal delays and thousands in extra costs.
End-of-Life Financial Planning
Critical forms and arrangements to protect your family's inheritance — beneficiaries, joint accounts, TOD, and tax planning.
📝Wills in Canada
Why you need a will, how to create one, and what happens if you die without one (intestacy).
🤝Power of Attorney
Financial and health care POAs — who makes decisions if you can't? Essential for every adult.
👨👩👧👦Beneficiary Designations
RRSP, TFSA, FHSA, life insurance — how beneficiary designations override your will.
⚖️Probate in Canada
What probate is, how much it costs by province, and strategies to minimize probate fees.
Estate Planning Checklist
- ☐ Create or update your will
- ☐ Set up a Power of Attorney for finances
- ☐ Set up a Power of Attorney for health care
- ☐ Review beneficiary designations on all accounts (RRSP, TFSA, FHSA, life insurance)
- ☐ Organize important documents in one secure location
- ☐ Tell your executor and POA where to find everything
- ☐ Review and update every 3-5 years or after major life events
When to Update Your Estate Plan
• Getting married or divorced
• Having or adopting a child
• Buying a home
• Starting a business
• Significant change in assets
• Death of a beneficiary or executor
• Moving to a different province
• Change in health status