Protect the wealth you've built and transfer it to the next generation with precision — minimizing tax exposure, preserving family harmony, and securing your legacy across both Canada and the United States.
Three integrated disciplines — working in concert to transfer your wealth efficiently and protect your family's future.
Tax-deferred reorganization of private corporation shares to lock in current values and shift future growth to the next generation.
Strategic use of the Lifetime Capital Gains Exemption (LCGE) to shelter qualifying small business corporation shares from tax.
Creation of new share classes — common, preferred, or hybrid — to facilitate income splitting, control retention, and equity transfer.
Independent business valuation at time of freeze, with comprehensive documentation to support CRA or IRS scrutiny.
Revisiting and refreshing a prior freeze to reflect changed business values, family circumstances, or tax legislation updates.
Coordinated post-death planning including pipeline planning and loss consolidation to reduce double-taxation on death.
Comprehensive planning to transition your business to family members, key employees, or third-party buyers in a tax-efficient manner.
Drafting and reviewing buy-sell provisions, shotgun clauses, valuation mechanisms, and right of first refusal terms.
Identifying successor leadership, structuring compensation, and mitigating key-person risk during transition periods.
Corporate-owned life insurance strategies to fund buy-sell agreements and provide liquidity at shareholder death.
Coordinating Canadian and US succession obligations, including treaty provisions, exit taxes, and dual-resident shareholder issues.
Facilitating family governance frameworks — councils, charters, and communication structures — to prevent conflict and align expectations.
Establishing inter vivos or testamentary trusts to shift income and capital to lower-bracket family members while retaining control.
Tax-deferred transfer of assets into trusts that avoid probate, maintain privacy, and provide seamless control during the settlor's lifetime.
Lending to a family trust at the prescribed CRA rate to split investment income with lower-income family beneficiaries.
Leveraging annual gift exclusions and Canadian attribution rules to transfer wealth incrementally, tax-free, year over year.
Donor-advised funds, charitable remainder trusts, and direct donation strategies to meet philanthropic goals while reducing taxable income.
Navigating T3, T1141, FBAR, and Form 3520 reporting requirements for trusts with Canadian and US beneficiaries or trustees.
A structured, four-stage approach — from discovery to implementation — ensuring nothing is left to chance.
We review your current structure, assets, family situation, and objectives — and obtain a defensible business valuation.
We model multiple scenarios — comparing tax impact, control, flexibility, and cost — and present a recommended plan with alternatives.
Coordinating with your legal counsel to draft trust deeds, shareholder agreements, corporate resolutions, and reorganization documents.
Annual reviews to adapt your plan as tax laws, business values, and family circumstances evolve — keeping your strategy current.
Intergenerational planning demands more than technical knowledge. It demands trust, discretion, and deep cross-border expertise.
Most advisors plan in one country. We coordinate Canadian and US estate, gift, and succession rules simultaneously — avoiding costly surprises at the border.
Because we handle your ongoing tax filings and books, your freeze and succession plan is built on real, current numbers — not estimates.
We work with families across generations — so when your children become clients, the institutional knowledge of your family's financial history is already there.
Estate planning done at death is crisis management. We begin planning years in advance — when the most tax-efficient strategies are still available to you.
Family wealth transitions are deeply personal. Every engagement is handled with the highest degree of discretion, privacy, and professional confidentiality.
All engagements are customized to your family and business situation. Contact us for a confidential quote.
For individuals beginning to think about transferring wealth and protecting assets for the next generation.
For owner-operators with incorporated businesses ready to plan a structured, tax-efficient ownership transfer.
For high-net-worth families with assets, beneficiaries, or business interests spanning Canada and the United States.
These are complex, high-stakes decisions. We welcome every question — no matter how basic or technical. Start with a free, confidential call.
Ask Us AnythingWhether you're starting a first freeze, restructuring a family trust, or coordinating a cross-border succession — start with a free, confidential consultation with our team.
