Make sure what you've built reaches the right people
Beneficiaries, family protection and generational wealth, coordinated with the legal and tax professionals who draft your documents.
Is this for you?
- You've recently married, separated or had a child
- Your beneficiary designations haven't been reviewed in years
- You want to leave something behind for children or grandchildren
- You own property or a business that would be hard to divide
What family and estate planning is
Estate planning is deciding, in advance, who receives what you own, how and when they receive it, and how to reduce the cost and delay for the people you leave behind. The financial side includes beneficiary designations, insurance, how accounts are owned, and planning for final taxes.
Who it can help
Anyone with dependants, property or savings they would want to pass on. It matters particularly after major life events such as marriage, separation, the birth of a child or the purchase of a home or business.
Questions it helps answer
- Are my beneficiary designations up to date and consistent with my will?
- How would my family pay final taxes and costs without selling assets they want to keep?
- How can I treat children fairly when one is involved in the family business?
- What happens to my registered accounts when I die?
What to consider
Estate planning involves legal, tax and financial decisions that affect each other. Wills, powers of attorney and trusts must be prepared by a lawyer or, in Québec, a notary. Tax consequences should be confirmed with a qualified accountant.
Limits and risks
We do not provide legal or tax advice. Estate law differs by province, and the right structure depends on details only your lawyer and accountant can assess. Our role is the financial planning: making sure accounts, designations and insurance support the plan your legal advisers put in place.
How Neyos helps
We review your accounts, policies and designations with you, identify gaps and inconsistencies, and prepare a summary you can take to your lawyer and accountant. Where insurance is part of the solution, for example to cover final taxes, we explain the options and how they would work.
Common questions
Do you write wills?
No. Wills and powers of attorney are legal documents prepared by a lawyer or notary. We help you think through the financial side and work alongside them.
Why do beneficiary designations matter?
Registered accounts and insurance policies can pass directly to a named beneficiary. Out-of-date designations are a common reason money goes somewhere the owner did not intend.
Related
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Insurance & protection
Life, critical illness and disability insurance, sized to what your family would need.
Learn more about Insurance & protection -
Wealth & investment planning
A long-term strategy matched to your timeline and comfort with risk.
Learn more about Wealth & investment planning
Talk it through with an advisor.
We’ll start with your situation and tell you plainly what, if anything, you need.
We do not provide legal or tax advice. We work alongside the professionals who do. This page is general information, not advice for your situation. Speak with a qualified professional before acting on it.