Inheritance Financial Planning
8 guides on inheritance financial planning for Canadians — newest first.
Inheriting a Rental Duplex in Manitoba in 2026: CCA Recapture, Deemed Disposition, and the Estate's Hidden Tax Bill
Detailed scenario analysis for Canadian financial planning in 2026.
14 min readAlberta Widower with $750,000 RRSP and No Surviving Beneficiary: How Much Goes to CRA in 2026
A $750,000 RRSP with no surviving spouse or qualifying beneficiary collapses into income at death — Alberta's 48% combined top rate produces a $360,000 tax bill. Worked example with GRE election, refund-of-premiums...
14 min readBC Family Business Owner Dying with $2M in Shares: The 88(1)(d) Bump, Capital Gains Exemption, and Post-Mortem Planning in 2026
A $2M family business creates triple taxation at death — deemed disposition on shares, corporate retained earnings, and dividend tax on wind-up. Worked example: $800K ACB, $1,250,000 LCGE, 88(1)(d) bump, and BC probate...
16 min readDonating a $500,000 Cottage to Charity at Death in Ontario: Deemed Disposition, Ecogift Rules, and Whether a Charitable Remainder Trust Saves More
Donating a $500K Ontario cottage to charity at death triggers a $380K capital gain — but the $500K donation receipt can eliminate the tax entirely. Full 2026 worked example covering standard charitable donation vs....
13 min readFHSA on Death Before Buying: What a 34-Year-Old Ontario Saver's $40,000 Account Transfers to in 2026
A spouse named as FHSA successor holder preserves the full tax shelter. Without a qualifying survivor, the entire $40,000 is included as income on the deceased's terminal T1 — creating a tax bill of up to $14,800 in...
12 min readPassing a Quebec Chalet to Your Kids in 2026: Deemed Disposition, Capital Gains, and Why the Principal Residence Exemption Usually Fails
A Quebec chalet bought for $95,000 in 1998 and worth $850,000 at death triggers $695,000 in capital gains. The principal residence exemption almost never saves the cottage — your city home always wins. Full 2026 worked...
14 min readUK Rental Property Owned by a Canadian Resident: Deemed Disposition on Death and Double Taxation in 2026
A £400,000 London flat owned by a Canadian resident triggers both CRA capital gains tax and HMRC 40% Inheritance Tax at death. Full 2026 worked example: ACB, foreign tax credits, Canada-UK treaty, and the gap that...
15 min readWhat Happens to a $200,000 TFSA When You Die in BC: Successor Holder vs. Beneficiary and the Tax Difference in 2026
Naming a spouse as successor holder on a $200K TFSA shelters it from both probate and income tax in BC. Naming an adult child as beneficiary — or worse, your estate — triggers BC probate fees and taxes on post-death...
11 min read