You work hard your entire life to realize the hopes and dreams of you and your family. You implement your financial plan with determination and discipline. As a result you build the wealth you need for retirement and for the financial legacy you want to pass on. A critical part of your planning is the Estate Plan. 

The purpose of Estate Planning is to plan for the effective enjoyment, ownership, management and disposition of assets during life, upon death and after death. Fundamental to the process is to maximize the estate for heirs while minimizing taxes and other expenses. Thus, Estate Planning is the creation of wealth, the preservation of wealth and the conservation of wealth at time of death.

Without a proper estate plan a family runs the risk of losing a significant portion of precious family assets such as a cottage or investment portfolios to taxes and other fees.