Estate Planning for Professionals in Oakville & The Greater Toronto Area
- 30 years of specialized experience in finance, insurance, taxation, and wealth transfer planning
- Certified and MDRT-qualified advisor
- Fully licensed in Ontario, Alberta, and British Columbia
- Transparent process with no hidden fees
- Serving clients locally and virtually across the Country
- In-depth understanding of provincial and federal estate regulations
- Custom strategies aligned with business, family, and retirement needs
Professional Estate Planning & Generational Wealth Transfer Services in Oakville
In Canada, we are on the brink of the largest generational wealth transfer in history — several trillion dollars will move from one generation to the next over the coming decades. Without proactive estate planning — including a properly drafted Will, Powers of Attorney (POAs), accurate future estate tax calculations, and tax-efficient generational wealth transfer strategies — a significant portion of that wealth could be lost to taxes, probate fees, and legal disputes.
For high-income professionals and business owners, the risks are even greater. Without a well-structured estate plan, years of hard work can be eroded in months, leaving your heirs with reduced inheritances and unexpected financial burdens.
At InsurPro, we help you protect your legacy by designing legally sound, tax-efficient estate strategies well in advance, so you can pass on more to your loved ones and less to the CRA. We work with a team of lawyers and tax consultants, and bring over 30 years of specialized experience in finance, insurance, taxation, and wealth transfer planning to get this critical task done right.
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The Challenges of Poor or Delayed Estate Planning
Excessive Estate Taxes & Probate Fees – Without proper structuring, up to half of your estate’s value could be lost to taxes and fees. And one may have to wait several months before having access to his/her estate.
Family Disputes & Legal Delays – Without clear instructions, your heirs may face legal battles, delays, and unnecessary costs.
Inefficient Wealth Transfer – Assets passed in a tax-inefficient manner can erode family wealth and reduce long-term benefits for your beneficiaries.
Our Proven Estate Planning Solutions
Accurate Future Estate Tax Forecasting: We calculate your projected estate tax liability and design strategies to minimize or defer it.
Tax-Efficient Generational Wealth Transfer: We use trust structures, beneficiary designations, and corporate planning to pass on assets efficiently and protect family wealth.
Comprehensive Legal & Financial Coordination: We work directly with lawyers, accountants, and tax specialists to ensure every part of your plan is compliant, coordinated, and up to date.
Business Succession Planning: For business owners, we create exit strategies, identify successors, and structure share transfers to minimize taxes and ensure operational continuity.
Our Core Estate Planning Services
Wills & Testamentary Planning
Ensure your wishes are carried out and assets distributed without unnecessary delays or disputes.
Trusts & Beneficiary Designations
Use living trusts, testamentary trusts, and beneficiary planning to protect assets and control distribution.
Business Succession Planning
Seamless transition of business ownership with minimal tax impact.
Tax-Efficient Estate Structuring
We create tax-efficient estate structures by using strategies such as trusts, corporate planning, and life insurance to reduce taxes, preserve wealth, and ensure a smooth transfer to heirs.
Powers of Attorney & Health Directives
Help our clients in appointing trusted decision-makers for financial and healthcare matters in case of incapacity.
Why Professionals Choose InsurPro
30+ Years of Proven Experience
Most likely the only advisor in Canada who has worked on Wall Street and held senior management roles for both Wall Street and Canadian insurance and investment companies. Credentials include two MBAs (Financial Management & Taxation; Marketing & Finance), FLMI with Distinction, and multiple estate, tax, and investment qualifications.
Specialized for Professionals & Business Owners
We understand the complex needs of doctors, veterinarians, lawyers, IT consultants, pharmacists, and entrepreneurs.
Collaborative Expertise
We partner with lawyers, accountants, and tax consultants to deliver fully integrated estate solutions.
Results-Focused
Our clients consistently reduce their projected estate tax burden, avoid probate complications, and preserve more wealth for their families.
Serving Oakville, Mississauga, Toronto, And The Greater Toronto Area (GTA)
Our Oakville office, located at 466 Speers Rd, is open for in-person consultations. We also offer virtual meetings to clients in Oakville, Mississauga, Toronto, and the GTA. We maintain full compliance with provincial and federal regulatory standards.
We recognize that each region may have unique estate planning challenges or specific needs. Our familiarity with tax and estate laws, business climates, and family dynamics allows us to provide context-specific guidance that helps clients across all 4 service areas.
Who Needs Estate Planning?
You should consider estate planning if you:
Own property or multiple real estate assets
Operate a business or hold shares in a corporation
Have dependents, minor children, or aging parents
Want to reduce or eliminate probate costs
Have a blended family or complex family structure
Want to protect specific heirs from legal or tax complications
Wish to leave charitable gifts or set up long-term family support
Hold significant registered assets (RRSPs, TFSAs, RESPs)
Want to assign powers of attorney and document end-of-life wishes
Own property or multiple real estate assets
Operate a business or hold shares in a corporation
Have dependents, minor children, or aging parents
Want to reduce or eliminate probate costs
Have a blended family or complex family structure
Want to protect specific heirs from legal or tax complications
Wish to leave charitable gifts or set up long-term family support
Hold significant registered assets (RRSPs, TFSAs, RESPs)
Want to assign powers of attorney and document end-of-life wishes
How Our Process Works
We provide financial planning to:
Step 1:
Free Consultation
We review your assets, family structure, business holdings, and future goals.
Step 2:
Custom Estate Strategy
We design a documented plan with legal, tax, and investment considerations.
Step 3:
Ongoing Review & Adjustments
Your plan is updated as laws change, your assets grow, or your family situation evolves.
Why Clients Trust InsurPro
Frequently Asked Questions (FAQs)
An estate plan typically includes a will, a power of attorney for property, a power of attorney for personal care, trusts (if applicable), and beneficiary designations on registered accounts and insurance policies. In business cases, shareholder agreements and succession documents may also be included.
We recommend reviewing your estate plan every 1–2 years or after any major life change, such as marriage, divorce, the birth of a child, the purchase of property, or the start of a business. Updates ensure that your documents accurately reflect your current intentions and comply with the latest legal requirements.
An advisor can use strategies like permanent life insurance, trusts, corporate restructuring, and charitable giving to reduce estate tax liabilities. These approaches help ensure more of your estate goes to your beneficiaries instead of the CRA.
If you die without a will or estate plan, provincial intestacy laws decide who inherits your assets. This process can delay the distribution, increase legal costs, and result in outcomes you would not have chosen. It also places additional stress on your family.
Blended families often need custom solutions to balance support between a current spouse and children from previous relationships. We use tools like spousal trusts, equalization clauses, and insurance products to create fair, legally enforceable plans.
Ready to Protect Your Legacy?
Don’t leave your life’s work to chance. Let us help you create a tax-efficient, legally sound, and family-focused estate plan that preserves your wealth for generations.
Call Us at
647-360-9445
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