What is an estate freeze in Canada?
How BC business owners lock in today's value of their company so future growth — and the tax on it — passes to the next generation. Preferred shares, a worked example, family trusts and the 21-year rule, the lifetime capital gains exemption, and how corporate-owned life insurance and the CDA fund the frozen tax.
Read the article → October 22, 2026Is there inheritance tax in BC?
There's no inheritance tax in BC, but estates still pay. How the deemed disposition on the final return, RRSPs and RRIFs, and BC probate fees work — what happens to your parents' house — and how families plan so heirs inherit assets, not tax bills.
Read the article → October 8, 2026How do I create a family bank in Canada?
Keeping family capital — and the interest your children pay — inside the family. How participating whole life insurance, policy loans and collateral loans work, the Canadian tax rules on borrowing, and how to lend to the next generation without it backfiring.
Read the article → September 9, 2026Why is it so hard to get money out of my corporation?
The low corporate rate is a deferral, not a discount. Why retained earnings feel trapped for BC business owners — salary vs. dividends at 2026 rates, the passive income grind, the deemed disposition on your shares, and the planning toolbox: CDA, estate freezes, the LCGE, and corporately-owned insurance with honest trade-offs.
Read the article → August 26, 2026How can I create multi-generational wealth?
The four-part framework behind generational wealth in Canada — and a deep dive on participating whole life insurance with paid-up additions, owned personally or inside your corporation, including how the capital dividend account turns a death benefit into tax-free money for the family.
Read the article → July 24, 2026The capital gains increase was cancelled. Your estate tax bill wasn't.
The 2026 inclusion rate stays at 50% — but deemed disposition, BC probate, and RRIF taxation never went anywhere. What incorporated business owners should review now that the policy whiplash is over.
Read the article → July 10, 2026Why most family wealth disappears by the third generation
Shirtsleeves to shirtsleeves in three generations. It isn't bad luck — it's what happens without structure, tax planning, and a prepared next generation. Here's how the erosion works, and where families can intervene.
Read the article → GuideWealth coach vs financial advisor in Surrey, BC: what's the difference?
Titles, licensing and fees compared side by side, and when BC high-net-worth families need a wealth coach, a financial advisor, or both working together with their accountant and lawyer.
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