Estate planning for digital businesses in Canada. What happens when a founder passes away

What years of working with clients — including some very long retirements — have shown to be true PRINCIPLE 1 The Discipline of Saving Is the Magic The most important part of saving for the future is the act of saving itself. Rate of return matters, but it is largely outside anyone's control — markets do what they do. How much and how consistently a person saves is 100% within their control, and it turns out to be the dominant factor in long-term outcomes for most people. Con

Retirement planning in Kitchener is rarely just about replacing a paycheque. For most families, it is a three-part challenge: creating reliable income, reducing unnecessary tax, and making sure wealth passes to the right people in the right way. That matters because even core government benefits need careful coordination. The average CPP retirement pension for new beneficiaries starting at age 65 is $877.01 a month, and those payments are taxable, which is a useful reminder t

Estate planning becomes urgent the moment life gets more complex, children, a home, retirement accounts, a family business, or aging parents who may one day need support. In Canada, planning is already part of the financial picture for many older adults. In fact, 92% of Canadians age 65 and older have a will, which tells us something important: families know this work matters, but many still need a more complete plan that keeps legal documents, beneficiary choices, and wealth

Retirement planning and legacy planning are often treated as separate tasks, but for many families in KW they are tightly connected.

You need income. It's the engine that drives everything else.

Trust isn’t built in what we say, it’s built in what we consistently do.

If you need help dusting off some of those old life or RRSP contracts we are happy to help.

Life insurance isn’t just a policy. It’s a promise. For many business owners, their corporation represents years of sacrifice, late nights, personal guarantees, and calculated risks. Yet, the very asset they depend on to provide for their family, employ their team, and fund their retirement often stands unprotected.

The Corporation Is Often the Largest Asset You Own For many business owners, their corporation represents years of sacrifice, late nights, personal guarantees, and calculated risks. Yet, the very asset they depend on to provide for their family, employ their team, and fund their retirement often stands unprotected.

A few weeks ago, I saw a GoFundMe circulating online. It was for Mr. Beast’s personal trainer—a guy who looked like he could outlift time itself. But he couldn’t.

...the jump from restaurateur to insurance advisor hasn’t been as wild as it might seem. Because here’s the truth: both jobs come down to one thing—serving people.

Manulife One is a flexible all-in-one mortgage and line of credit where you can access your home equity as needed.