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Estate Planning

Your Will Planning Workbook

A great deal of thought and planning needs to go into preparing your Will. Not only should you consider what your estate is currently worth, you should also consider your future sources of wealth. 

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The Value of Naming a Beneficiary

In Ontario, the value of naming a beneficiary can be significant. If you name a beneficiary, an insurance company is obligated, under the Insurance Act, to pay any death benefit proceeds to the named beneficiary on record. Because the death benefit proceeds do not pass through the estate, they not only avoid the delays of settling the estate but also bypass probate and other estate administration fees. To learn more about how important it is to name a beneficiary, please contact us for more assistance.


Ontario's Estate Information Return

Ontario's probate process is governed by the Estate Administration Tax Act, 1998 ("EATA"). In 2011 Ontario enacted significant changes to the legislation. With these regulations in place, Ontario released its Estate Information Return, which executors will be required to file for estates for which an application of probate had not been submitted prior to January 1, 2015. To learn more about how these regulations may affect you, please contact us for more assistance.

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Alter Ego Trusts - the answer to probate fees?

Alter ego and joint partner trusts have been gaining in popularity as a way to avoid probate. But are there alternatives? 


MPIP Segregated Pools

The Manulife Private Investment Pools (MPIP) program is an exclusive wealth management initiative with the comprehensive resources needed to fulfill your distinct preferences and priorities. It’s where you’ll find the vision, innovation, value, expertise, service and integrity that you expect and require to answer your sophisticated investment objectives and goals.

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*The MPIP Segregated Pools insurance contract is offered by The Manufacturers Life Insurance Company.

Manulife GIF Select EstatePlus

EstatePlus is a highly effective estate planning solution that can help you provide for your family and loved ones and help ensure that your estate is protected.

Features and Benefits of EstatePlus:

100% Death Benefit Guarantee - With EstatePlus, you receive a 100% Death Benefit Guarantee. This means your beneficiaries are guaranteed to receive 100% of your deposits to the EstatePlus Series – reduced proportionally for withdrawals – even if there are market downturns.

Estate benefits – In the event of death, the proceeds of the contract can privately1 pass directly to designated beneficiaries, without the time delay and expense of probate.

Fund selection – You have a broad choice of over 40 investment funds from many of Canada’s top fund managers. EstatePlus offers a range of assets classes with a variety of fixed income and balanced funds, asset allocation portfolios and fund bundles.

Creditor protection – EstatePlus has the potential to protect your assets from creditors. This feature is ideal for professionals and small business owners looking to help protect their personal assets from professional liability.

Flexibility – Should you need to, you can access your savings at any time (fees may apply).

For more information about Manulife GIF Select EstatePlus, please contact us.

1 In Saskatchewan, jointly held property and insurance policies with a named beneficiary are included on the application for probate despite the fact that these assets do not flow through the estate and are not subject to probate fees.

Premier Investment Program

The Premier Investment Program is a fee-based account that offers a range of investment services and the ability to hold a wide variety of investment products including mutual funds and individual stocks and bonds. Virtually every investment offered at Manulife Securities can be held in a Premier plan.
In addition to transparency, objectivity and accountability ­– the hallmarks of a fee-based account – the Manulife Securities Premier Investment Program can benefit my clients in a number of ways:

  • You pay for advice, not trades – transactions are incidental and are not the differentiating factor in assessing the value I offer
  • Advisor compensation is completely transparent and agreed upon, and because the costs associated with trades or other services are reduced or eliminated, you can fully understand what you’re paying for your investments

The fee-based solution provides the medium for developing a strong, customized portfolio at a cost that is generally less than the cost associated with traditional mutual funds.

  • Fees can be paid outside of your portfolio; this means your portfolio return need not be reduced to pay fees and assets can grow faster
  • When a fee is paid for investment advisory services on a portfolio outside of an RRSP, the fee is generally tax deductible
  • Because compensation can be based on portfolio value, fees will rise or decline based on the performance of the portfolio; this assures you that my primary interest is the growth of your portfolio

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