With SWPP’s Living Estate Plan, you can minimize taxes as well as protect and grow your wealth. Our strategies help shield your assets, ensuring more of your legacy goes to your loved ones—not the government.
When Mohamed, a 75-year-old Ontario real estate investor, discovered his estate could face a $12 million tax bill upon his death, he feared her children would be forced to liquidate $24 million in assets just to cover the taxes.
Instead, he used a sophisticated life insurance strategy—funding a $12 million policy through annual premiums and leveraging it to reinvest—allowing him to protect his portfolio, avoid probate, and preserve his legacy.
Curious how he did it without losing a cent of his estate? Read the full story to see how the right estate plan can turn a massive tax burden into a tax-free solution.
Bill, a 55-year-old real estate investor facing serious health challenges, was concerned his $4.5 million estate might not reach his children, especially since they were minors and he was in a second relationship.
Without a clear plan, taxes and inheritance laws could derail his wishes.
By structuring his estate through a corporation and a trust—with his children as beneficiaries and his brother as trustee—Bill created a plan that protected his assets, bypassed probate, and gave him peace of mind.
Want to see how this approach shielded his children’s future and honored his wishes? Read the full case study.
When Daniel, a 65-year-old entrepreneur with $12 million in real estate, began thinking about succession, he faced a serious challenge.
How would he pass on his business and property to his children without burdening his wife or triggering a massive tax bill?
Through a smart combination of trust planning and life insurance, Daniel locked in today’s property values to reduce future taxes. And he used insurance to ensure his family wouldn’t have to sell assets to pay the CRA.
Curious how this strategy protected both his legacy and his loved ones? Read the full case study.
James, a high-net-worth real estate investor in his 50s, was worried about the tax burden his estate would face.
But his long-term plan to sell and reinvest meant a trust didn’t make sense.
Instead, he used a permanent life insurance strategy that not only covered future taxes but also allowed him to borrow against the policy and reinvest in new properties.
The result? James kept growing his portfolio while protecting his estate from double taxation.
Want to know how one policy solved multiple problems? Read the full case study.
Deepak, a 57-year-old real estate investor, was determined to ensure his $7 million property portfolio went directly to his two young children—not his spouse—after his passing.
Worried that future changes could derail his wishes, he turned to a strategy that combined a trust and life insurance.
The trust safeguarded the properties for his children, while the insurance covered the tax bill, preventing a forced sale.
Curious how this plan gave him total clarity and control over his legacy? Read the full case study.
Gabriela wanted to save her kids from a massive tax bill, so she quietly transferred her $2M cottage to her 18-year-old son. No tax was declared. No capital gains were reported. Problem solved—or so she thought.
What she didn’t realize was that this simple move triggered hidden tax liabilities, exposed her estate to legal risks, and could cost her over $1 million if audited.
This real estate misstep is a cautionary tale for anyone tempted to “outsmart” the CRA.
Read the full case study to learn what not to do and what to do instead.
Michael, a successful Ontario real estate investor, wanted to pass a rental property to his son without watching a growing tax bill erode his family’s wealth.
Working alongside his accountant and lawyer, we used an estate freeze, corporate restructuring, and permanent life insurance to shift future growth outside his estate and create tax-efficient liquidity for future tax obligations.
The strategy is projected to save his family more than $1 million while helping preserve significantly more wealth for the next generation. Read the full case study to see how the strategy worked.
Eugene and Kathy wanted to preserve more of their wealth for their three children by reducing the probate fees and estate administration costs their family could face after they passed away. After reviewing every available planning option, we determined that a Joint Partner Trust, combined with updated beneficiary designations and coordinated legal planning, was the best solution for their situation.
Although health concerns prevented them from using life insurance, the strategy positioned nearly all of their financial assets to transfer outside of their estate. Read the full case study to see how the plan worked and why it was the right fit for their family.
Dorothy, an Ontario homeowner, transferred her house into a living trust to simplify her estate and reduce family conflict.
Instead, the strategy created an unexpected tax problem decades later when the trust reached its 21-year deemed disposition, resulting in tax that may have been avoided with different planning.
This case highlights why every estate strategy should be carefully evaluated for both its benefits and long-term risks before it is implemented. Read the full case study to learn what went wrong and how it could have been prevented.
Helen wanted to help one daughter purchase a home after a divorce without reducing what her other daughter would eventually inherit.
By combining a lifetime gift with an Immediate Financing Arrangement (IFA) and permanent life insurance, she was able to support her daughter when it mattered most while increasing the projected value of her estate by more than $1.5 million.
Read the full case study to see how the strategy balanced fairness, flexibility, and long-term wealth preservation.
Ken and Alice wanted to preserve more of their wealth for their children while keeping their estate private.
After identifying more than $1.8 million in projected taxes and probate fees, we combined a living trust with an estate insurance strategy to reduce future costs, improve privacy, and preserve approximately $1.8 million more for the next generation.
Read the full case study to see how the strategies worked together to achieve these goals.
Walter and Barbara wanted to preserve their family cottage for their children while ensuring there would be enough money to pay the future capital gains tax.
Permanent life insurance successfully solved the tax problem by providing tax-efficient liquidity, but the trust created through their wills later became a source of conflict as their children’s lives changed over time.
This case shows why a successful estate plan must consider not only taxes, but also how family circumstances may evolve.
Read the full case study to see what happened and the lessons it offers.
Ricky and Cindy, an Ontario couple in their 50s, wanted to preserve their wealth for future generations while minimizing future taxes, reducing probate fees, and maintaining control over how their children would inherit their assets.
By combining a family trust, an estate freeze, and corporate-owned estate insurance, they created a long-term plan projected to reduce future tax exposure by approximately $2.5 million, save more than $100,000 in probate fees, and preserve significantly more wealth for their family.
Read the full case study to see how the strategy worked together.
Mohammed and Sanjit, an Ontario couple in their 70s, wanted to preserve a valuable rental property for their family without adding unnecessary complexity to their estate plan.
After reviewing several strategies, including an estate freeze, they chose a leveraged life insurance strategy that created tax-efficient liquidity while allowing them to continue growing their investment portfolio. The plan reduced the likelihood that their family would need to sell assets to cover future taxes and probate fees.
Read the full case study to see why this simpler approach was the right fit.
Kevin, an Ontario homeowner wanted to avoid probate fees by transferring his home into a living trust. After carefully comparing the costs, benefits, and long-term implications, we determined that a trust would add unnecessary expense without providing enough value for his situation.
By evaluating all of his options before making a decision, he avoided unnecessary legal and administration costs while gaining confidence that his existing estate plan was the better choice.
Read the full case study to see why a living trust wasn’t the right solution.
Jeff and Janice, a retired Ontario couple in their 70s, wanted to ensure their children could keep a family cottage that had been in the family for more than 35 years without being forced to sell it to pay future taxes.
By combining a family trust, an estate freeze, and permanent life insurance, they created a plan that provided tax-efficient liquidity, established a long-term ownership structure, and is projected to save more than $1 million in taxes and probate fees.
Read the full case study to see how the strategy helped preserve both the cottage and the family’s legacy.
Bill came to me after inheriting a company and trust structure with approximately $1.25 million in deferred tax liability. He wanted to preserve the family’s wealth for his children and grandchildren without allowing future tax exposure to continue growing.
By combining an estate freeze, a family trust, and an Immediate Financing Arrangement (IFA), he shifted future growth outside his estate while creating tax-efficient liquidity to address future tax obligations.
Read the full case study to see how the strategy helped protect the family’s long-term legacy.
Mike, an Ontario business owner in his 60s, wanted to protect his new wife’s housing security while ensuring his two sons were treated fairly, even though only one would inherit the family business.
By combining an estate freeze, permanent life insurance, and updated will planning, he created a strategy that reduced future tax exposure, protected his spouse, and helped balance the inheritance between both children.
Read the full case study to see how the plan addressed both family dynamics and long-term wealth preservation.
