Plan Today. Protect Tomorrow. Leave a Legacy.
Estate planning isn’t just about passing on assets—it’s about preserving your legacy, minimizing family stress, and ensuring your loved ones are protected when it matters most.
At Financial Simple, we help you create a customized estate plan that reflects your values, respects your wishes, and minimizes unnecessary costs, delays, or disputes. Whether you're an individual or a business owner, we work alongside legal, tax, and trust professionals to build a plan that ensures your estate is transferred efficiently and tax-effectively to the next generation.
Why Estate Planning matters
Without a proper estate plan, your family may face:
- Delayed access to assets
- Unnecessary legal fees and taxes
- Potential conflicts or misunderstandings
- Government control over how your estate is distributed
A clear, documented plan provides peace of mind and ensures that your loved ones are cared for in the way you intend—without added stress during a difficult time.
What we help you achieve
Distribute your assets according to your wishes
Minimize estate taxes and probate costs
Protect vulnerable beneficiaries (minor children, dependents with disabilities)
Maintain privacy and control over how your estate is managed
Plan for incapacity and health care decisions
Structure your business to transition smoothly to the next generation or chosen successor
Estate Planning for Business Owners
Preserve your life’s work—and pass It on smoothly
If you're a business owner, estate planning becomes even more complex—and more important. Without a proper plan, your business could face:
Tax liabilities that diminish your estate’s value
Ownership confusion or legal battles
Operational disruption or forced liquidation
We help business owners create comprehensive succession and estate plans that:
✅ Provide clarity on who will take over the business
✅ Ensure key employees or family members are properly positioned
✅ Utilize corporate-owned life insurance to cover estate tax liabilities
✅ Leverage the Capital Dividend Account (CDA) for tax-free transfers
✅ Use estate freezes and shareholder agreements to lock in value and simplify transition
✅ Integrate business planning with your personal and family wealth goals
Our collaborative approach
We partner with leading professionals—such as Scotiatrust, estate lawyers, accountants, and tax specialists—to ensure every legal, financial, and family consideration is addressed. Together, we help protect your estate’s value and ensure your wishes are carried out exactly as you intend.
Our key estate planning services
Wills
A will is the cornerstone of your estate plan. We help you draft or update a clear, legally binding will that reflects your wishes and ensures your estate is distributed efficiently to the right beneficiaries.
Trusts
Trusts offer greater control, privacy, and flexibility. They can help you:
Minimize estate taxes
Provide for minors or dependents with special needs
Protect family wealth from creditors or divorce
Control how and when beneficiaries receive assets
We help you structure living trusts, testamentary trusts, or corporate trusts based on your goals.
Business Succession & Shareholder Agreements
Plan your business handover in advance. We guide you through:
Structuring shareholder agreements
Preparing successors or key people
Using insurance and trust solutions to ensure smooth business continuity
Probate Planning
Probate can be costly, time-consuming, and public. We help you implement strategies to reduce or bypass probate, including:
Naming proper beneficiaries
Using joint ownership and trusts
Structuring insurance policies for direct transfers
Powers of Attorney & Health Directives
Appoint trusted individuals to manage your finances or health decisions if you're ever unable to do so. We help ensure your Power of Attorney and Personal Directive are valid, clear, and properly aligned with your values and family needs.
Build your legacy with confidence
Estate planning isn’t just about protecting assets—it’s about protecting the people and legacy that matter most to you. Whether you’re building a family wealth plan or a business succession strategy, we’re here to guide you every step of the way.
Schedule Your Free Estate Planning Consultation
Or contact us directly:
Phone: (647) 242-5676, (604) 362-9497, (825) 882-4117
Email: [email protected]
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TESTIMONIALS
What Our Clients Have To Say
I’ve worked with many insurance providers globally, but none have offered such personalized service. Their team truly goes above and beyond.
— John M.- From Chicago
Exceptional experience from start to finish. They took the time to understand my needs and offered the best solutions tailored to my situation.
— Sara K.- From Chicago
I’m impressed by their global reach and professionalism. Their quick responses and reliable support make them my top choice for health coverage.
— Carlos Garcia - From Chicago
Frequently Asked Questions
What makes your insurance plans different from others?
Our plans are tailored to meet individual needs, offering flexibility, competitive pricing, and a seamless claims process to ensure your peace of mind.
How do I know which plan is right for me?
Our experts provide personalized consultations to assess your needs and recommend the best plan that suits your health, budget, and lifestyle.
Can I make changes to my policy after purchasing?
Yes, we offer easy policy adjustments to ensure your coverage stays up to date with any changes in your life or needs.
Is my family covered under my insurance plan?
Yes, we offer family plans that cover all ages, ensuring your loved ones are protected with comprehensive care and support.
How quickly can I make a claim?
Our claims process is fast and efficient, allowing you to submit claims easily, with most claims being processed within 24-48 hours.4o mini
Offices
ON: 155, University Ave, Toronto, M5H 3B7,
Phone:(647)242-5676
BC: 1021 W Hastings St, Vancouver, V6C 2R6
Phone: (604)362-9497
AB: 9945 50th St NW, Edmonton, 5th floor, T6A 0L4
Phone: (825)882-4117