The fourth of our core services is the Tax Efficient Wealth Transfer Strategy.  The Wealth Transfer Strategy is an analysis of your estate in the event of your death, or the death of your spouse.  When this day comes, it is important that:

• You have a clear plan in place as to who will work with your spouse to coordinate and transition your affairs,
• There is enough money available to pay any applicable debts or taxes, to top up long term savings or education plans, to make sure your business is sold as a going concern and to make sure your family has enough money to live their life at a reasonable level of financial security going forward.
• There is little risk of your assets being frozen by creditors.
• Taxes, where applicable, are minimized.
• Your Will, business agreements or marriage agreements are up to date and consistent with your objectives.
• The heirs have a tax-efficient foundation from this point forward.

To coach you through this process we help you identify objectives, the risks and the opportunities.  We help you set up the necessary insurance to completed your objectives in the most financially efficient manner.  We will help you calculate the taxes and financial impact of your death so that these issues can be minimized.  We will help you structure your Wills and agreements with your other advisors so that your plans are consistent with your legal documents.

This is a stand alone fee based service that can be completed once or one that is updated frequently depending on your age, stage of life and personal preferences.  If this is something that is important to you today, please send me a note and we can discuss this further.