Vaughan · Greater Toronto Area · Ontario
Most people are wrong about what happens to their money.
Not because they were careless. Because a will may not control the biggest assets many families own, the tax bill can come due while much of the estate is still tied up in a home or a business, and nobody explains either one until it is someone else's problem to solve.
Serving families and business owners across Vaughan, the Greater Toronto Area, and Ontario.
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Illustrative Ontario estate cost
A $900,000 estate in Ontario
$12,750 Estate Administration Tax, if all of it is probatedSame family, same assets, different ownership and beneficiary designations. The difference is not a loophole — it is a set of decisions made in advance.
Free tools
Run your own numbers first.
Four calculators built on current Ontario rules. No email, no sign-up, no follow-up call unless you ask for one. Come in already knowing what you are looking at.
What probate would cost
Enter your assets one at a time and mark which are held jointly or carry a named beneficiary. See the Estate Administration Tax on what is left, and what the same estate would cost if none of it were planned.
Tax on your final return
Capital gains on the deemed disposition, RRSP and RRIF balances taken into income in one year, and what a spousal rollover does to the total. This is usually the larger number, and the one people have not heard of.
Your coverage gap
What your household would need against what it already has. Separates group coverage from personal, because one of them ends the day the job does.
Estate readiness check
Twelve questions on documents, ownership, funding, and the people involved. Returns a plain list of what is exposed and why it matters — not a score to feel bad about.
Three things worth knowing
The parts that catch people out.
Your will does not control everything
A valid beneficiary designation on an RRSP, a TFSA, or a life insurance policy generally directs those proceeds to the named beneficiary rather than under your will, subject to the contract and applicable law. Joint ownership with right of survivorship works in a similar way. How a designation and a will interact depends on how each was made, so they should be reviewed together. For some households, those assets represent a substantial portion of the estate.
The tax bill can arrive before the money does
Canada has no estate tax. What it has is a deemed disposition — you are treated as having sold everything the day you die — plus registered plans taken into income all at once. That return can come due while a house or a business is still unsold. Exemptions and rollover rules, including transfers to a spouse, can reduce or defer the tax depending on the circumstances.
Common-law partners are not automatic heirs under Ontario intestacy law
Under Ontario's Succession Law Reform Act, if there is no will, a common-law partner is not a spouse for the purposes of intestacy. Length of the relationship makes no difference.
How this works
What we do, and what we don't.
We do
Map how your assets would actually transfer. Quantify what probate and tax would take. Quote life insurance across the insurers we represent, and place the coverage. Sit with your lawyer and accountant so the pieces line up.
We don't
Draft wills, powers of attorney, or trusts — that is a lawyer's work and we will tell you so. File returns. Manage investment portfolios. Or use a professional title we are not entitled to use under Ontario law.
Start with a conversation.
Thirty minutes, no charge, no product pitch. Bring whatever you have — a will, a policy, a shoebox of paper, or nothing at all. You will leave knowing what is missing and what it takes to fix.
Book a conversation Try the tools first