1-647-289-4847

Estate Tax Exposure & Succession Planning

for Ontario incorporated owners, professional corporations, and second-generation families.

You built something valuable. Now make sure it transfers the way you intend without a forced sale, family conflict, or CRA becoming the silent partner.

We help incorporated owners quantify estate tax exposure, align corporate structure, and create liquidity so ownership transitions with control.

The Problem Isn't "Do I Pay Tax?" It's "How Big, When, and From Where?"

In Canada, a death can trigger capital gains tax. For incorporated owners, the exposure is often tied up in business value, real estate, and retained earnings, not cash.

Sell assets under pressure

Forced liquidations often lead to fire-sale prices and significant loss of hard-earned wealth.

Borrow at the wrong time

Taking on high-interest debt when the business is already in a vulnerable transition period.

Use personal funds

Draining personal reserves that were never intended to cover corporate tax obligations.

Who This Is Built For

We work with incorporated business owners and professional corporations in Ontario who value strategic planning over product sales.

Incorporated Business Owners & Professional Corporations in Ontario

Owners seeking to protect their hard-earned assets and ensure smooth transitions.

Families with HoldCo/OpCo Structures, Investment Portfolios, & Real Estate

Families needing clarity on complex corporate structures and their tax implications upon death.

Second-Generation Transitions

Transitions where tax, control, and fairness collide, requiring careful balancing and communication.

Shareholders Who Understand Value

Shareholders who already know: agreements are meaningless unless they are properly funded.

What We Do

(In plain terms)

Make the numbers visible.

We model estate tax exposure and identify exactly where liquidity risk sits.

Design the transfer plan.

Structure, ownership, and funding are aligned to your reality, not generic templates.

Coordinate execution.

We work alongside your accountant and lawyer, so the plan works in practice, not just on paper.

Our Process

A proven methodology designed to bring clarity, structure, and confidence to your transition planning.

Discovery + Structural Review

Corporate setup (HoldCo/OpCo), shareholder agreements, retained earnings, existing insurance, and growth plans.

Estate Tax Exposure Mapping

Capital gains exposure, timing, liquidity gaps, and 'what if' scenarios (death, disability, shareholder event).

Strategy Design

Options may include estate freeze readiness, succession sequencing, buy-sell funding, and corporate-owned insurance used as liquidity not as a product pitch.

Coordinated Implementation + Annual Review

Implementation with your professionals, then a disciplined review cadence as value, family, and tax rules evolve.

Core Areas of Focus

Estate Tax Exposure Assessment for incorporated owners

HoldCo/OpCo alignment and corporate structuring coordination

Corporate-owned life insurance planning (liquidity + tax efficiency)

Second-generation succession planning and fairness planning

Shareholders buy-sell funding strategy

Critical illness and disability risk protection for owners

Every recommendation begins with numbers. Not products.

Owner Transfer Readiness Checklist

Choose the right starting point based on where you are today. Clear, actionable insights to protect your legacy.

Estate Tax Exposure Quick Scan

A fast signal of risk and liquidity gaps to help you understand your immediate exposure.

Owner Transfer Readiness Checklist

A self-assessment tool evaluating your current structure and readiness for a smooth transition.

Executor Emergency Kit

Essential documentation for families who want less chaos if something unexpected happens.

Frequently Asked Questions About Estate Tax Planning in Ontario

Learn answers to common questions about capital gains at death, estate freezes, buy sell funding, and corporate succession planning.

Book a Complimentary Discovery Call with Sami

If you are an Ontario incorporated business owner and want clarity on estate tax exposure, succession strategy, and liquidity planning, this is the right place to start.