Protecting Your Estate

Individual Planning:

First the good news: You probably won’t get hit by a bus tomorrow. In fact, the odds are quite low. The bad news is that you could get hit by a bus tomorrow. What’s more, actuarial tables don’t lie: Someday, your proverbial bus will come. So from an estate planning standpoint, you have only two options. You can leave a tangled mess for your loved ones to sort through, or you can take a few simple steps that will make a difficult time easier. You can set up your finances so your wealth goes to your spouse and children, or you can procrastinate, increasing the risk that your cash ends up in the hands of the taxman, the lawyers or the evil husband of your ex-wife.

We will guide you through a few simple steps to get your financial house in order, helping your parents through their own estate planning, and taking the necessary steps when someone you love passes away.

Business Planning:

Many business owners don’t even know they have a problem – do you?

Understanding the issues can mean financial health for you, your business and your family.

Here are the problems:

As a business owner, you’re concerned about the longterm success of your business. Profit and growth are among the most important business objectives. As your business grows, so do a number of potential problems. Often, these problems are recognized too late. Proper business planning will ensure your business continues to be successful.

What are your options? Give us a call, 416-227-9800, to find out more about:
  • Buy-sell funding
  • Key person coverage
  • Capital gains tax

Insurance products and Financial Planning services are offered through P & K Financial Inc. Mutual Funds are offered through Manulife Securities Investment Services Inc. Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada.

Manulife Securities related companies are 100% owned by The Manufactures Life Insurance Company (MLI) which is 100% owned by the Manulife Financial Corporation a publicly traded company. Details regarding all affiliated companies of MLI can be found on the Manulife Securities website Please confirm with your advisor which company you are dealing with for each of your products and services.