Once you've built your Treasure Map™, we auto-generate a free list of planning ideas: lifetime capital-gains exemption usage, estate-freeze opportunities, secondary-will needs, RRSP rollover gaps, power of attorney, insurance shortfall. Read them, ignore them, or get a real consultation with our sponsors.
If you own qualified small-business or farm shares, you might be sitting on up to $1.25M of unused capital-gains shelter.
If your business is appreciating, an estate freeze locks today's value to you and shifts future growth to a trust or your children.
A second will for corporate shares keeps them out of probate — saving 1.5% of value to the Ontario Estate Administration Tax.
If your spouse isn't named, the whole plan collapses into income on death — at your top marginal rate.
We project tax + debt + probate exposure and compare it to liquid assets. If there's a gap, term-to-100 or joint-last-to-die is the usual solution.
A POA is a separate document from your will. Without one, your family may need a court-appointed guardian.
If you and your spouse die together, minors inherit through the public trustee until 18. A testamentary trust gives you control.
With minor children, the gap between your income and what your family needs to keep going is the most urgent thing to close.
Crypto, password managers, 2FA backups — without documentation, these vanish on death. The map's digital section is built for this.
Reviews the legal/tax ideas (LCGE, estate freeze, secondary will, RRSP designations, POA). Accepts inbound consultations from users who decide they want a real plan.
Provides insurance quotes when the Estate Plan flags an estate-liquidity gap or family-protection shortfall. Licensed in every Canadian province.
You're never required to engage either sponsor — the ideas are still yours, for free. We only forward your contact details when you click the consultation button on a specific idea.
Build your map, get your ideas, decide if you want help — in that order.