Tax at Death
In Canada, an estate is deemed to sell everything on the final day. We plan for that tax bill so your family isn't forced to sell property, shares, or the business to pay it.
Estate Planning
Build a legacy your family actually keeps.
An estate plan is more than a will. It's the architecture that decides whether the wealth you built strengthens the next generation — or is quietly eroded by tax, delay, and disagreement.
Wealth that outlasts you doesn't happen by accident.
Every estate faces three quiet forces: tax, time, and family dynamics. Left alone, they shrink what you leave behind and complicate what remains.
At Owliv Wealth, estate planning is a discipline — not a document. We coordinate with your lawyer and accountant to align beneficiary designations, corporate structures, and insurance so your estate transfers the way you actually want it to.
Done well, it means less tax, no forced sales, no probate bottlenecks, and a family that inherits clarity along with capital.
The four pillars
A complete estate strategy rests on four decisions.
Estate Equalization
If one child inherits the business or the real estate, insurance can equalize the estate for the others — without forcing a sale or creating family friction.
Insurance-Funded Transfer
A permanent policy creates tax-free liquidity precisely when the estate needs it, protecting the assets you actually want to pass on.
Multi-Generational Planning
Trusts, corporate structures, and beneficiary design working together — so wealth transfers by intention, not by default.
Plan the transfer
Is your estate ready for the people it's meant to serve?
In one private conversation, we'll map your estate today, surface the gaps, and design a transfer plan your family can actually rely on.