I didn’t begin my career in financial services.
My first passion was as an auto mechanic.
I loved taking things apart, understanding how they worked, and putting them back together in a way that made it even better.
But I quickly realized, I didn’t want to be underneath cars when I was 50 years old.
That’s when I transitioned to working in the financial services industry.
At first, it seemed like I had taken a completely different path. But now I can see that my real passion wasn’t fixing cars; it was helping people.
I loved being the person who could take something that was broken and overwhelming and restore it.
Today, instead of rebuilding engines, I rebuild financial lives.
I take apart complex estates and tangled tax issues (often made worse by scattered advice). Then, I put them back together in a way that protects families for generations.
I take financial complexities and turn them into a clear, tax-efficient estate plan that protects Ontario families for generations.
When I first started in finance, I worked mostly with young families who wanted to be protected if the unexpected happened.
But as my clients got older, I started hearing the same panicked question:
“How on earth are we going to pay the taxes when Mom and Dad pass away?”
That’s when I realized something important: most people have advisors, but nobody is connecting the dots.
Accountants handle taxes.
Lawyers draft wills.
Bankers suggest investments.
Insurance agents sell policies.
What happens when the taxman comes?
That’s where I step in.
My specialty is putting all the pieces together into a clear, practical estate plan, one that protects your family, preserves your business, and keeps money where it belongs: with the people you love, not the government.
For more than 35 years, SWPP has helped Ontario families save on Ontario estate taxes and reduce probate fees.
We’ve helped our clients preserve hundreds of millions of dollars in wealth for future generations.
Our approach is different because we don’t just sell products, we solve problems.
Protect your family’s legacy.
Eliminate or defer taxes.
Ensure every dollar goes to the people you love.
Nothing bothers me more than seeing people lose money to taxes and fees when they don’t have to.
That’s why I created the $100,000 Promise:
If I can’t show you how to save at least $100,000 in taxes and fees, you won’t pay me a dime.
When we work together, I’ll treat your family legacy with the same care and urgency as I would my own.
You’ve worked a lifetime to build what you have. You shouldn’t let the government decide what happens to it.
Daniel was running his family’s business after his father passed away.
His mother still owned everything, but eventually it would all come to him.
During one of our meetings, he confidently told me, “When my mom passes, the business and the two commercial buildings will be mine. I’m her only child.”
I looked at him and said, “That’s if you can afford it.”
Daniel was stunned. “What do you mean?”
We worked through the numbers with his Canadian accountants, US accountants, and lawyers, and discovered that when his mother passed, the estate would owe $1.5 million in taxes.
The estate had very little cash, and almost all of its value was locked up in the business and buildings. Without a plan, Daniel would have been forced to sell the building his company operated from, just to pay CRA.
Instead, we created a strategy to ensure the taxes would be covered in full.
Thirteen months later, that’s exactly what happened.
The plan worked exactly as intended. Daniel inherited everything, the business, the buildings, all of it free and clear, with no forced sales and no stress.
But without a plan, Daniel would have been forced to sell property, including the building his company operated from, which would have caused a major upheaval in his business.
A few years ago, Mohamed went to his bank for estate planning advice.
Their solution? Buy $7 million of life insurance with premiums of $500,000 a year for 10 years. After reviewing the proposal, Mohamed called me for a second opinion.
Insurance was the right tool, but not the way they had structured it.
I recommended a plan where Mohamed still deposits $500,000 each year using a different insurance policy, one that has way more cash for him and a much higher death benefit that would cover the future growth of his tax liability.
In other words, my recommendation would ensure his life insurance actually covered all the taxes that would need to be paid upon death. But, there’s more.
Another change I recommend was for Mohamed to borrow back each year’s deposit so he could reinvest in his real estate portfolio.
This critical move meant he wasn’t out of pocket.
Each year, he had $500,000 in the policy, a $500,000 tax-deductible loan, and $500,000 reinvested into his properties.
The result?
His wealth grew faster, his taxes were minimized, and his estate was fully protected.
This strategy means that Mohamed’s family will receive all his assets at market value, saving his family taxes and providing equalization amongst his children.
Mohamed loves that we found a way to give him both growth and security while saving him from using his own money to pay the taxes.
Family has always been very important to me.
I’ve been in a loving second relationship for over 16 years, and I am fortunate to have three children from my first relationship who have developed the same values and desire to help people.
My oldest daughter works in the medical profession, while my son John and daughter Kandace have both joined me at SWPP.
Having family in the business is a comfort to me because I know that our clients will receive the same care and guidance for generations to come.
When you work with SWPP, you’re not just working with an advisor; you’re working with a family dedicated to protecting yours.
SWPP is proud to be recognized as an Elite Advisor in the financial industry, trusted by business owners, professionals, and families across Ontario.
Our clients say it best:
“I wish I had made contact with your company sooner. Looking forward to our Zoom meeting next week. I am very impressed with your knowledge and experience with regard to wills and estate planning. I will have no hesitation in recommending your Company to my other friends and colleagues.”
— Dr. Hari Garbharran
You’ve worked a lifetime to build what you have. Don’t let the government decide what happens to it.
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