A strategy to protect the value of your legacy

The Preserve your wealth strategy is designed for individuals who:

• Have built-up significant wealth in capital assets
• Have a second property that has appreciated in value
• Want to keep a vacation home in the family
• Are worried about leaving their family with a large tax burden
• Want to leave their full estate to heirs or favourite charity
• Want to provide funding for final expenses, outstanding debts, legal fees and taxes

The situation

You have worked hard to achieve a degree of financial success. As each year passes and you become financially independent,

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Financial Planning for Children or Adults with Special Needs

Planning to meet the needs of children or adults who have special needs is often complex. Special financial planning techniques may be needed so you don’t jeopardize any government benefits they may be receiving. Many who have special needs require advice and protection throughout their lifetime from someone with legal authority. This person has the authority to act on their behalf. For most persons with special needs two types of protections are required:

1. protection of the estate left to the individual;
2. protection of his or her person in some form of guardianship.

In practice, provisions for these two types of protection often overlap.

Why should families plan?
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