— Insurance —
Built around the plan. Not around what's being sold.
At this level, insurance is rarely about replacing a paycheck. It's about funding estates, structuring transfers, equalizing inheritances — tools, used when the plan calls for them.
Insurance services are offered through Harbourfront Estate Planning Services Inc. (HEPSI), a separate entity from Cherry Hill Private Wealth and Harbourfront Wealth Management Inc. Insurance products are not subject to CIRO regulation or CIPF coverage.
i · The role
A planning tool. Not a product.
The conversation starts with the plan, not the policy. Insurance decisions get made the same way every other decision does — based on what the plan needs. Sometimes that means more coverage. Sometimes less. Sometimes none at all.
Often, we recommend less insurance than the client thought they needed.
ii · The structure
The structure matters more than the policy.
A perfect policy in the wrong ownership structure still costs you.
Who owns it. Who's the beneficiary. Which entity holds it. Whether a trust is involved. Whether it sits inside the operating company, the holdco, or personally. The structural decisions are more consequential than the policy choice itself — and they're where most insurance gets quietly wrong.
This is where coordination with the lawyer matters. The right structure usually isn't obvious from inside the insurance conversation alone.
iii · The integration
Tied to the plan. Reviewed when the plan changes.
Insurance only works if it's tied to the broader plan. And the broader plan changes — which means insurance has to be revisited, not set and forgotten.
A new property. A business sale. A child's needs change. A separation. An inheritance. Each one shifts what the coverage is for. Each one is a reason to look again.
Most insurance gets sold once and then ignored. The Cherry Hill version gets revisited every year and every time the picture moves.
— How this actually works —
The mechanics.
All our advisors are insurance licensed. Insurance work is done directly, not referred out.
Our advisors operate as independent insurance brokers. Placement runs through Harbourfront Estate Planning Services Inc. — Harbourfront's insurance division — and PPI, one of Canada's largest independent insurance MGAs. That structure gives us access to Canada's major insurance companies and a broad selection of smaller insurers.
For complex strategies — corporate-held insurance, immediate financing arrangements, large permanent structuring — we work with a PPI specialist.
Insurance is commission-based, like it is across the industry. Our practice's primary economics are AUA management, not insurance placement. The recommendation is whatever the plan calls for — including, often, no new coverage at all.
Insurance Products and Services are provided through Harbourfront Estate Planning Services Inc.
— The next step —
The conversation isn't about what to buy.
It's about what the plan actually needs. Sometimes that's coverage. Sometimes that's structural changes to coverage that already exists. Sometimes it's the call to stop paying for something the plan no longer requires.