ESTATES BLOGS
CAPACITY AND INCAPACITY IN ONTARIO: HOW THE LAW SEES DECISIONS
Some families describe a loved one this way: “Some days they are sharp, other days they are not. Some things they follow, other things they don’t.”
CAPACITY FOR PROPERTY VS PERSONAL CARE: SAME PERSON, DIFFERENT DECISIONS
You may see a loved one shut down after a conversation about where they want to live, what help they need, and which doctor they prefer, but shut down the moment you mention bank accounts, debt, or legal papers.
POWERS OF ATTORNEY IN ONTARIO: WHAT THEY REALLY DO
You have probably heard the phrase “you should get a power of attorney” from a doctor, financial advisor, or insurance broker.
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Guardianship in Ontario: Why it Feels Like a Last Resort
Adult assisting a parent with legal and financial documents, representing guardianship and powers of attorney in Ontario.
A Will Is Not The Estate Plan: Why Tax, Liquidity, And Asset Structure Still Decide The Outcome
Many clients feel a sense of completion once the will is signed. That instinct is understandable. It is also incomplete.
Asset-Rich, Cash-Poor Estates: Why Families Get Forced Into Bad Sales
Some estates look strong on paper and fragile in practice. The deceased may have owned a house, a cottage, marketable investments, or shares in a private company.
RRSPs, Real Estate, And Private Company Shares: The Three Estate Tax Traps
Many clients think about their estate in asset categories: the RRSPs, the house, and the business. That is sensible from a balance-sheet perspective.
Cottage, Corporation, Concentrated Stock: Why the Will Alone Cannot Solve the Problem
Clients often know exactly what they want to happen. One child should receive the cottage. The shares should be divided fairly.
Insurance In Estate Planning: Liquidity Tool, Not Just Protection Product
Insurance is often discussed in personal terms: income replacement, family protection, peace of mind. In estate planning, it can perform a different role.
How Poor Liquidity Planning Turns A Good Estate Into A Distressed Estate
Some estates fail not because the assets were poor, but because the timing was. The wealth was real.
Why Clients Need Coordinated Legal, Tax, And Investment Advice Before Signing The Will
Clients often receive estate advice in pieces. The lawyer drafts the will. The accountant comments on tax. The advisor manages investments.