Estate planning isn’t just for the wealthy—it’s for anyone who wants to protect their loved ones, preserve their assets, and ensure their wishes are respected.
At Cornerstone Capital Financial Group, we help you create a plan that reflects your values, supports your family, and minimizes financial complications during an already emotional time.
Why Estate Planning Matters
Each year, thousands of Canadians pass away without a valid will—leaving their loved ones to navigate delays, legal complexities, and government decisions about how their assets will be distributed.
Even smaller estates can face costly probate fees, delays, and unintended consequences. Proper estate planning helps you transfer assets efficiently, reduce taxes, and avoid unnecessary hardship for your family.
And it’s not just about what happens after you’re gone. Estate planning also prepares for the possibility that you may become unable to manage your affairs due to illness or injury. Tools like powers of attorney and advance directives are just as important as a will when it comes to safeguarding your wishes.
What We Help You Plan For
Our team provides guidance on a wide range of estate planning essentials, including:
We evaluate:
Wills and beneficiary designations
Powers of attorney (property and personal care)
Probate planning and minimizing estate administration tax
Deemed disposition tax planning on registered and non-registered assets
Trust structures for families, blended households, or individuals with specific needs
Intergenerational wealth transfer
Charitable giving strategies
Business succession planning and tax-efficient transfer of corporate assets
Whether your goal is to simplify your estate, protect a loved one with special needs, or transition a family business, we’ll help you put the right structure in place.
Smart Planning = Peace of Mind
There is no estate tax in Canada—but that doesn’t mean there are no taxes at death. Certain assets may trigger capital gains through deemed disposition, potentially resulting in large, unexpected tax bills. Strategic planning can help reduce or defer those taxes, preserving more of your legacy.
The earlier you start, the more options you have. While legal documents like wills and trusts should be completed with an estate lawyer, much of the planning work—like goal-setting, asset organization, and strategic conversations—can start with your financial advisor.
💬 Your estate plan should reflect your life—not just your death.
