Plan Today. Protect Tomorrow. Leave a Legacy.

Why Estate Planning matters

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.

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

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.


  • 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 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

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info@financialsimple.ca

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