Wealth Defence · Estate Planning
Make sure what you built goes where you want.
Most people have the papers — a will, some forms. But the papers don’t always fit your life today. And they don’t always work together when your family needs them to.
53.53%
tax on RRSP money at death
~1.5%
probate fee on your estate
Years
a messy estate can take to sort out
Where Your Money Goes
Four ways money leaks out — before your family sees it.
Toll 1 · RRSP Tax
Up to 53.53%
Money in your RRSP or RRIF gets taxed like income when you die. At the top rate, more than half can be gone.
Toll 2 · Corporate to Personal
47%+
Money stuck in your company gets taxed when it moves to you. Without a plan, that’s 47% or more.
Toll 3 · Probate Fee
~1.5%
Probate is a fee to prove your will is real. Set up right — like having two wills — your company shares can skip this fee. Skip the planning, and they get caught and taxed.
Toll 4 · Time
Years
With no clear plan, sorting out an estate can take years. Your family waits, and the money stays locked up.
These are rough Ontario numbers, shown as an example — check yours with an advisor. The point: with no plan, money leaks out at
every step.
This is what Wealth Defence means — protecting what you built from leaking away, so it reaches the people you love, not the tax bill.
Why It Matters Now
You do this for yourself — now.
This isn’t just about what happens after you’re gone. It’s about being in charge today. You know your wishes are written down. Your business has a clear path. The cash is ready. And your family isn’t left guessing.
You stay in charge — today, not just later.
When we line up your papers, your money, and your advisors now, you decide where your money goes. On your terms. Not a court’s. Not the government’s.
What a Plan Does
An up-to-date plan that defends what you built.
Keep everything current
Your plan changes as your life changes, so it always fits — not stuck on a version from five years ago.
One plan, working together
Your papers and advisors all lined up and pointed the same way — not pulling apart.
Have cash ready
So your family never has to sell things in a rush just to pay a tax bill.
Pass on more, lose less
More goes to your family and the causes you pick — less to tax and red tape.
Start the Conversation
Find out what your gaps are costing you.
A conversation costs nothing. The Wealth Snapshot takes five minutes.
More Areas of Focus
Estate Planning
Make sure what you built lands where you intended.
Corporate Insurance
Turn a taxed asset into a tax-advantaged one.
Living Benefits
Protect the person the plan depends on: you.
Charity
Real tax wins while you’re alive — not just at death.
Wealth Defence — Toronto, Ontario
© 2026 Return on Life. All rights reserved.
Wealth Defence — Toronto, Ontario