Minimize estate taxes, reduce probate fees, and ensure your beneficiaries receive the maximum inheritance possible with strategic planning tailored to 2025 tax laws.
Comprehensive estate planning strategies designed to minimize taxes and maximize your legacy
Strategic planning to minimize provincial and federal estate taxes using 2025 tax law updates and exemptions.
Implement structures to reduce or eliminate probate fees, saving thousands in unnecessary costs.
Establish family trusts and other vehicles to protect assets and provide tax-efficient wealth transfer.
Maximize the principal residence exemption and plan for multiple property ownership scenarios.
Plan for the tax-efficient transfer of family businesses and professional practices.
Coordinate with legal professionals to ensure your estate planning documents align with tax strategies.
Stay ahead of the latest tax law changes that could impact your estate planning strategy
One-half of a capital gain is a taxable capital gain — a flat 50% inclusion rate with no tier and no dollar threshold. The 2024 proposal to move to two-thirds above $250,000 was cancelled in March 2025 and never became law. We help you navigate:
Ontario probate fees continue to impact estate values. Our strategies include:
2025 presents new opportunities for family trust planning:
Common questions about inheritance planning in Ontario
Ontario doesn't have a specific inheritance tax, but there are deemed disposition rules that trigger capital gains taxes on death. We help minimize these taxes through strategic planning including principal residence exemptions, charitable giving, and trust structures.
Ontario probate fees are $15 per $1,000 of estate value (1.5%). For a $1 million estate, that's $15,000. We use strategies like joint ownership, multiple wills, and trusts to significantly reduce or eliminate these fees.
Family trusts can be excellent tools for tax planning, asset protection, and multi-generational wealth transfer. We analyze your specific situation to determine if a trust structure makes sense and help implement the optimal strategy.
The flat 50% rate: one-half of a capital gain is a taxable capital gain, with no tier and no $250,000 threshold. The 2024 federal proposal to raise the rate to two-thirds on gains above $250,000 was cancelled in March 2025 and never became law, so any plan built around that tier needs revisiting. We review your current plan against the rule actually in force and recommend adjustments to minimize the tax impact on your beneficiaries.
Vacation properties are subject to capital gains tax on death unless properly planned. We help with strategies including family trusts, fractional ownership structures, and timing of transfers to minimize taxes.
Deemed disposition, probate fees, RRSP tax at death, and how to protect wealth.
Read article →Ontario charges 1.5% above $50K. Seven legal strategies to reduce the bill.
Read article →Cottage inheritance tax rules, principal residence election, and family trust options.
Read article →Deemed disposition rules, spousal rollover, and the flat 50% inclusion rate.
Read article →Compensation rules, tax filing deadlines, and estate administration checklist.
Read article →Discover how much your beneficiaries could save with proper inheritance planning. Our assessment covers tax optimization, probate reduction, and wealth transfer strategies.