Trusts & Business Succession
Preserve Your Legacy and Transfer Wealth Tax-Efficiently
We help Canadian families establish and administer trusts, plan business succession, and structure inter-generational transfers — protecting wealth and minimizing tax across generations.
Strategic Structures for Lasting Family Wealth
A well-structured trust or succession plan can protect assets from creditors, reduce taxes across generations, and ensure a smooth transition of your business or estate. We design and administer these structures with precision — from the initial setup through annual compliance, trust maintenance, and eventual wind-up or termination.
What We Offer
Family Trusts
Establish discretionary family trusts to split income among beneficiaries in lower tax brackets and protect assets from creditors.
Testamentary Trusts
Trusts created under a will that can provide ongoing income-splitting opportunities and asset protection for surviving spouses and children.
Alter Ego & Joint Partner Trusts
Inter vivos trusts for individuals 65 and older that allow assets to pass outside of probate while maintaining control during the settlor's lifetime.
Business Succession Planning
Structured plans for transferring a family business to the next generation or a third party — including estate freezes, holding company structures, and the lifetime capital gains exemption.
Trust Administration & T3 Returns
Ongoing trust administration, annual T3 filings, beneficiary reporting, and compliance with the new expanded trust reporting rules.
Trust Maintenance & Termination
Annual maintenance of existing trusts and guidance on properly terminating a trust — including the 21-year deemed disposition planning — when it is no longer required.
Situations We Commonly Address
Business succession
A business owner approaching retirement — we design an estate freeze that transfers future growth to their children, deferring capital gains tax and preserving the lifetime capital gains exemption.
Family trust for income splitting
A family with significant investment income — we establish a discretionary family trust to distribute income to adult children in lower tax brackets, reducing the overall family tax burden.
Alter ego trust
An individual aged 70 with a rental property portfolio — we establish an alter ego trust to allow assets to pass to beneficiaries outside of probate, saving estate administration tax and maintaining privacy.
21-year rule planning
A family trust approaching its 21-year deemed disposition — we plan ahead to minimize the capital gains tax hit and restructure the trust if needed before the deadline.
Frequently Asked Questions
Plan Your Family's Financial Future
Let us help you build a structure that protects your wealth, reduces tax, and honours your legacy.
Book a Free Consultation