Representation Agreements and Advance Directives (Living Wills)s
Life Insurance Trusts / RRSP & RRIF Trusts
Shared Ownership Agreements for Life Insurance and Critical Illness Insurance
Family Trusts for Small Businesses or for Investment Portfolios
Joint Tenancy Documents
Estate Planning services, such as:
suggesting and implementing ways of minimizing taxes, probate fees and legal expenses at death and for your heirs;
taking steps to minimize the chance of expensive and polarizing Will challenges at death;
helping family businesses transition to the next generation;
preserving legacy assets like family cabins and suggesting ways to transfer them to your family that minimizes the chances of family discord;
developing estate equalization strategies if some assets like a home, business or farm comprise the bulk of your estate and you are struggling to find ways to transfer them to some of your heirs without shortchanging others;
working with blended families to balance competing interests of children from prior relationships and your new family;
developing solutions to provide a fair division of your estate when there is a large age range between your children and you want to provide more for your younger kids or to set aside extra sums for their education;
protecting your heirs from themselves and creditors by structuring when and how they receive their inheritance so that it is not squandered; and
coordinating beneficiary designations for registered plans and life insurance products with your Will.
CSR Financial & Legal Services help you achieve your financial goals by reviewing your existing picture, providing a series of recommendations and assist you in take the right steps, whether you want issue-specific advice on a one-off basis or comprehensive ongoing support. When possible, I try to sell flat fee services, although more complex matters require hourly billing.
Although I don’t sell insurance or investments, I have a network of experts who will pay me referral fees that I will use to discount or eliminate what I charge you. That means you can still hire me as a traditional fee-for-service planner who you pay directly or, if you work with anyone in my network, you can potentially get two experts for the price of one.