— Estate and legacy —
It's what your family carries in the months that follow. The decisions they make alone. The questions they have. The work that has to happen while they're grieving. Estate work is the one part of your financial life where the decisions you don't make now can't be made later.
i · The people
Most estate planning is built around assets — what you have, who gets it, how it transfers. That's the surface of the work, but it's not what determines whether the plan actually serves the people involved.
What matters more: who your executor is, and whether they're prepared. How your surviving spouse will navigate the months that follow. Whether your children will have the same access to the family property in five years. Whether the relationships hold or fracture.
Documents serve the assets. Our work serves the people.
ii · The timeline
Most estate work happens after someone dies — and almost all of that work is done by people in shock, doing it for the first time, under emotional and legal pressure.
We start years earlier. Before, when the family is together and decisions can be made calmly. During, when coordination across lawyers, accountants, and institutions has to happen quickly. After, when the executor and the family need someone who's been with them all along.
The work that gets done before is the work that makes the after bearable.
iii · The coordination
Estate work runs through lawyers, accountants, executors, beneficiaries, banks, insurance companies, the CRA, sometimes the courts. No single one of them holds the whole picture.
We do. We work alongside your lawyer when the wills get drafted. We coordinate with your accountant on the tax positioning. We meet your executor before they need to do anything — so they're not learning the entire architecture in the worst week of their life.
Things fall through cracks during estate work. We're the layer that catches them.
Insurance products are sold via Harbourfront Estate Planning Services Inc. (HEPSI). These products are not subject to CIRO regulation or CIPF coverage. Please inquire for more information.
— For our clients —
Our clients have access to a platform of estate readiness tools, organized around three moments most people are never prepared for until they're in them.
Estate planning is one of the most important things you can do for your family. Tools to organize what your lawyer needs, document where everything is, and leave clear guidance for the people who'll eventually need it.
Acting as Power of Attorney is one of the deepest forms of trust someone can place in you. A tool to help you manage finances, log decisions, and stay organized while you focus on the person you're caring for.
The weeks and months after a death are overwhelming. Tools that walk through what needs to happen, in what order, and help track every asset and obligation along the way.
Available through your secure client portal.
— The next step —
Not with the documents. With how you want your family to experience the handoff. What you want your executor to know. What you want to be true about how your estate gets navigated. Once we know that, we know what the plan needs to do.
