Estate Planning

Your Estate

Estate Preservation Plan


Many Canadians are concerned about both their financial security in retirement, and the preservation of their estate for the next generation. What is surprising, is that so few have taken the time to create an estate plan that can help organize their assets, minimize taxes and pass along their estate in the manner they intend.*

Consider the following questions:
How will you preserve your assets from taxes and unnecessary probate?
How will you ensure the fair and timely distribution of your estate according to your wishes?
How will you protect your family in the event of your premature death?
How can you minimize capital gains taxes during and after your lifetime?
How can you preserve your RRSPs or RRIFs in their entirety for your heirs?Our team will help you to develop answers to these, and many more questions. Together, we will develop a plan to ensure that your estate is managed according to your wishes.

Part of a well-developed plan


When it comes to wealth management, it often takes a team of specialists to ensure that all of your interests are taken into consideration. At BMO Estate Insurance Advisory Services, our Estate & Insurance Advisors (in Quebec, Financial Security Advisors) are available to coordinate the development of your estate plan. Together with your Investment Advisor, and in partnership with other advisors, such as your accountant or lawyer, they will guide you through a six-step process which will:


  • organize your financial information;

  • identify your estate planning objectives;

  • analyze your estate planning requirements;

  • assess if your goals will be met with status quo and provide solutions;

  • create and implement your estate plan;

  • review your estate plan regularly. 

For more information, contact us and I will be pleased to introduce you to my Estate and Insurance Specialist.

*The comments included in this publication are not intended to be a definitive analysis of tax applicability or trust and estates law. The comments contained herein are general in nature and professional advice regarding an individual’s particular tax position should be obtained in respect of any person’s specific circumstances.