Private Wealth
Moving wealth to the next generation on purpose
Most family wealth transfers happen by default: a will, a beneficiary form and a surprise. Planning it deliberately changes both the tax outcome and how the family handles it.
The work
Four parts of a transfer plan
Structure
How assets are held today — personally, corporately, in trust or jointly — and what each structure does at death.
- Ownership review
- Trust coordination
- Corporate holdings
Timing
What moves during your lifetime and what moves after, including gifts, loans and staged transfers.
- Lifetime gifting
- Prescribed rate loans
- Staged transfers
Liquidity
Making sure the estate can pay what it owes without forcing a sale of the assets you wanted kept.
- Estate tax estimate
- Insurance funding
- Cash reserves
Preparation
Bringing the next generation into the conversation before they inherit, at whatever pace the family is comfortable with.
- Family meetings
- Adult children onboarding
- Documented intentions
The conversation matters as much as the structure
Well-drafted documents still fail when the family does not know what was intended. We facilitate the conversation at the level the family wants — sometimes full disclosure, sometimes only the mechanics — and coordinate with your lawyer and accountant so the documents match the intent.
Start the transfer conversation
It is far easier to plan this while everyone is well and available.
Investco Financial is licensed in British Columbia and Alberta for insurance and related financial services. Information on this page is general in nature and is not individual advice. Coverage, eligibility and tax outcomes depend on your own circumstances and the terms of the contracts issued.