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Sharon Kubicek
Alisa Carli
Christine Duggan

Address
1 First Canadian Place
40th Floor , P.O. Box 150
Toronto, ON
M5X 1H3
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Estate and Insurance Services

Are you concerned about passing along your wealth to the next generation? Leaving a lasting gift to your community? Do you feel less than confident that your own affairs are in order?

If you answered yes to any of these questions, you could benefit from a plan tailored to your unique circumstances.

An effective estate and insurance plan can help you organize your assets, minimize taxes and pass along your estate in the manner you intend. We can help you explore your estate and insurance planning needs and coordinate the development of your plan.

Expert Advice

We will collaborate closely with you and your other trusted advisors to help you address key issues.
  • How to ensure the instructions in your will are consistent with how your financial affairs and assets are managed.

  • How to protect assets from taxes and unnecessary probate (the sometimes complex and costly process of establishing the legal validity of a will).

  • How to manage the fair and timely distribution of your estate according to your wishes.

  • How an insurance strategy may preserve or enhance your estate and protect your family in the event of your death.

  • How to minimize capital gains taxes during and after your lifetime.

  • How to preserve funds in your RRSPs or RRIFs for your heirs.

  • How to establish powers of attorney (mandates in Quebec) to protect and manage your finances and personal care if you become incapacitated.
By working with us and our Estate & Insurance Advisors, you can develop a plan that compliments your current financial situation and communicates your wishes for the future. When necessary, we’ll work with your other advisors, including your accountant and lawyer. We will review your plan with you so it continues to reflect changes in your life.