Estate & Insurance Planning for Individuals
Estate maximization and tax minimization
Asset preservation and accumulation
Estate & Insurance Planning for Corporations
Funding of shareholder/buy-sell agreements in the event of death, disability or critical illness.
Tax liabilities upon death of owner or major shareholder
Tax-free share redemption upon death of owner or major shareholder
Disability Income Insurance
of where you are in your life, you need income to support your
lifestyle. Put plans in place in your income earning years to ensure
your income will continue uninterrupted if you are hit by disability.
to advances in medical science, many people today survive a critical
illness. However, quite often their finances do not. A lump sum benefit
payment may be used for access to specialized medical care when and
where you want so you can focus on recovery
Asset Protection Plan Strategy
people are concerned about their financial security in retirement and
preserving the value of their estate for the next generation. Asset
preservation is an integral component of any financial plan. Insurance
can play an important role in your financial plan as a tax-efficient
asset preservation tool. I can provide you with the insurance solutions
best suited to complement your wealth management strategy.
Registered Asset Preservation Plan
Learn how life insurance can be used to preserve your RRSP or RRIF capital for your chosen beneficiaries.
Insured Annuity Strategy
planning technique is designed for individuals whose retirement income
is supplemented by passive non-registered investments.
sure that your estate is distributed according to your wishes and use
life insurance as a tool for paying estate settlement costs or for
estate equalization among your heirs.
Take advantage of the attractive income tax benefits from using life insurance for charitable giving.