Alterna Wealth - Estate Planning Ontario

Estate planning is about more than distributing assets—it's about preserving your legacy, protecting what you have worked hard to accumulate and those you care about. With thoughtful planning, we can help your wealth maintain its value and work within Canada's tax system to preserve more of what you've built. As part of Alterna Wealth's comprehensive services, Alterna Estate Strategies provides you with tailored solutions to secure your wealth and ensure your wishes are honoured. Our specialized approach addresses your unique concerns while creating a roadmap for the future that aligns with your values and vision.

Did you know?

Only 15% of Canadians* have an estate plan, despite 80% wanting to ensure their family receives money quickly when they are gone.

Schedule a complimentary consultation today about your Estate Strategy.

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Estate Planning

Your legacy deserves thoughtful protection. Estate planning goes beyond distributing assets—it preserves what you've built and safeguards those you care about most.

Your Alterna Estate Strategies advisors guide you through this essential process with clarity and expertise, working alongside tax and estate specialists to develop strategies uniquely suited to your circumstances.

From minimizing taxes and probate costs to creating effective powers of attorney, you receive the support needed to ensure your wishes are honoured and your loved ones won't face financial hardship when you're gone—giving you peace of mind today about tomorrow's uncertainties.

Life insurance

Protect your loved ones and strengthen your legacy with flexible insurance solutions.

✓ Tax-efficient estate and wealth transfer

✓ Access to policy cash value for future needs

✓ Coverage for debts, expenses, and more

✓ Charitable and retirement planning opportunities

Disability and Critical Illness insurance

Safeguard your income and business from life’s unexpected challenges.

✓ Income and medical cost protection

✓ Recovery support and financial flexibility

✓ Continuity for your business or loved ones

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Tax Guidance

Keep more of what you've earned through strategic tax planning. Your Alterna Estate Strategies advisors help you make tax-smart decisions that significantly impact your bottom line.

By understanding when to defer taxes, how to shelter investment growth, which income types offer tax advantages, and ways to structure your family's finances efficiently, you gain a customized approach that aligns with your unique circumstances—potentially saving thousands while preserving your wealth for years to come.

                        Trust Planning
                    
Preserve your wealth for those who matter most. Trusts offer sophisticated control over how your assets are managed and distributed, even after you're gone.

Your Alterna Estate Strategies advisors help you understand when trusts can protect your beneficiaries' interests—whether safeguarding assets for minors, supporting family members with special needs, or ensuring smooth wealth transitions across generations. With expert guidance, you gain confidence that your legacy will unfold according to your vision.

Securing Your Financial Legacy

Your financial success extends beyond investments to include protecting your loved ones and the life you've built together. Your Alterna Estate Strategies advisors help you navigate protection strategies that safeguard your family's financial future against life's uncertainties.

With thoughtful planning, you can ensure your loved ones maintain their quality of life, preserve your legacy across generations, and gain peace of mind knowing you've prepared for whatever tomorrow may bring. Creating this security foundation allows you to live confidently today while preparing wisely for tomorrow.

Charitable Giving

Transform lives while enhancing your financial legacy through thoughtful charitable planning. Your Alterna Estate Strategies advisors help you align giving with your values and financial goals, creating tax-efficient strategies that maximize your impact.

From addressing immediate community needs to building a lasting philanthropic legacy, experience the satisfaction of making a difference that benefits both your family and the causes closest to your heart.

We recently completed comprehensive estate planning with Frank Sgro and Peter Fraser and we couldn't be happier!

Together they helped us to clearly understand the tax and estate implications of our lifetime of financial hard work. The Plan they created summarizes all the estate costs, that we were unaware of. And to build a great solution to ensure the next generation of our family are well taken care of. We highly recommend the quality work done for our family.

ED and AD, Alterna Estate Strategies Clients

I recently completed estate planning conversations with Danny Harris and Peter Fraser. They helped me to assemble all the information my Executor will need in one place, to administer my estate. The Alterna Wealth expertise also helped show me the tax and probate implications of my portfolio at death. Peter and Danny guided me to a permanent solution to pay those costs less expensively, using insurance.

DS, Alterna Estate Strategies Client

It's been a couple of years since the first Estate Plan that Adrian Montoya and Peter Fraser created for me was put into place.

Together, we assembled all of the pieces of my wealth. Adrian and Peter summarized it all in a way that keeps track of and highlights tax & probate liabilities. Then, they created a very tax efficient insurance solution to offset estate costs. I appreciate their innovation and creativity in solving a problem I wasn't fully aware of.

LV, Alterna Estate Strategies Client

We were very interested when Derek Mychasiw suggested we consider the estate planning services of Alterna Estate Strategies and Peter Fraser.

Together, Derek and Peter have provided great insight into how we can reduce estate-related costs and leave an estate that generously supports our beneficiaries and charitable organizations. We are very happy with what they’ve helped us put in place and highly recommend their expertise

MB and ML, Alterna Estate Strategies Clients

My husband and I first met with Jeremy, Investment Advisor, during a very stressful period in our lives. He took the time to understand us as people as well as our financial situation. He provided sage advice regarding our estate planning and investment portfolio. Upon the death of my husband, his empathy, kindness, and assistance in settling my husband’s estate were exceptional. I know I can always count on him to respond to my questions or requests for assistance quickly and thoroughly as well as to be pro-active in reaching out to me regarding my investments.

L, Alterna Estate Strategies Client

Working with Vishesh Pandya has been a transformative experience for my financial journey. His deep knowledge, clear communication, and personalized approach have helped me navigate complex financial decisions with confidence.

What truly sets Vishesh apart is his genuine care for my goals and his proactive strategy to secure my future. Thanks to his expertise, I feel more empowered and financially secure than ever before.

RS, Alterna Estate Strategies Client

Jeremy Rock, my Alterna financial advisor, since fall 2023 after my husband’s passing, has embodied the 5 core values that I look for in someone who has my financial portfolio and my future in his hands.

He has helped me navigate the best options to address my financial concerns. Jeremy exemplifies these following 5 core values: trust, integrity, confidence, reliability and friendship. It is also nice that he is a dog lover too.

CBS, Alterna Estate Strategies Client

A year ago Vishesh Pandya, an Aviso Wealth Investment Advisor, advised me on how I could invest my savings. I have virtually no knowledge of stocks and bonds. Mr. Pandya patiently explained the markets and their potential for volatility but gradual growth over time.

On my behalf he invested in a wide variety of stocks and bonds worldwide. My fund has grown by leaps and bounds, sometimes by hundreds of dollars in a day.

He responds immediately and does what I ask efficiently and in a timely manner.

I highly recommend that if you are looking to invest your savings you call him.

W.B, Alterna Estate Strategies Client

Great Wealth Transfer: What it might mean for investors

“You can’t take it with you.” That’s why it’s common practice for older generations to transfer their wealth to their families, friends, or charities upon their death.

Make estate planning a priority

Estate planning is a legal process for the distribution of a deceased person’s assets. It allows you to create a formal strategy that helps safeguard your assets and transfer them in an orderly, tax-efficient manner to beneficiaries.

Transfer wealth effectively with a will

The Canada Revenue Agency (CRA) doesn’t consider the amount you inherit to be taxable income, but before you receive this inheritance, the CRA taxes property held in the estate of your benefactor (i.e., the person providing your inheritance).

* https://www.ipsos.com/en-ca/only-15-percent-of-canadians-have-estate-plans

Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.

Alterna Estate Strategies is a program provided by Aviso Insurance Inc. offering financial planning, life insurance and investments. Trade-mark(s) of Alterna Estate Strategies are used under license by Aviso Insurance Inc. Your insurance contract will provide details of the coverage available under the plan you choose. Restrictions may apply.

For information on how Aviso collects, uses, and protects your personal information, please review the Aviso Privacy Policy.

Your financial legacy is our priority.

Experience customized financial management built through integrity, ethics and responsibility. Together, we design strategies that preserve and grow your wealth tailored to your unique goals.

info@alternawealth.ca

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Alterna Estate Strategies

Estate Planning

Tax Guidance

Trust Planning

Ask us how we can help preserve your legacy

Testimonials

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Great Wealth Transfer: What it might mean for investors

Make estate planning a priority

Transfer wealth effectively with a will