Estate & Wealth Transfer
Secure your legacy and optimize your tax liabilities through strategic estate tax insurance plans and wealth transfer planning.
Estate planning is about more than a will. It's about ensuring your wealth transfers to the next generation intact — not eroded by taxes, probate, and forced liquidation.
We design life-insurance-based strategies that create liquidity at death, equalize inheritances, and preserve family businesses and other assets for your heirs.
Strategies We Design
Estate Tax & Liquidity Insurance
Provide tax-free capital at death to cover taxes, probate fees, and settlement costs so heirs aren't forced to sell assets.
Estate Freeze
Lock in today's value of a business or investment and transfer future growth to the next generation, deferring tax until disposition.
Estate Equalization
Use insurance to fairly distribute wealth among heirs when an operating business or other illiquid asset can't be split.
Trust Planning
Integrate insurance with personal, spousal, and (in Quebec) patrimonial trusts to control and protect distributions to beneficiaries.
Joint Last-to-Die
Fund estate taxes and equalization efficiently with a policy that pays on the second death — often the lowest-cost way to insure an estate obligation.
Charitable & Legacy Giving
Use life insurance to make a significant gift to charity or fund a private foundation while preserving more of your estate for family.
Who This Service Is For
Business Owners & Founders
Passing a family business to the next generation while treating heirs fairly.
High-Net-Worth Families
Preserving and transferring wealth tax-efficiently across generations.
Professional Advisors
Accountants, tax and legal counsel needing an insurance specialist to implement the funding side of the plan.
Cross-Border Families
Families with assets, citizenship, or heirs in both Canada and the United States who need coordinated cross-border estate planning.
Request an Estate Planning Consultation
Disclaimer: Armstrong Financial Services Inc. provides independent mathematical policy modeling and financial analysis only. We do not provide formal legal or tax advice. All analysis is designed solely to assist clients and their independent legal and tax counsel in evaluating risk.