We ask these questions: • Who inherits? • When to transfer assets? • How will they receive it? We work with you and other experts, including tax firms and law firms, to give you a holistic review on your legacy planning.

Wealth is about more than just assets. It's about independence, financial success, and the ability to meet the needs of your family and support your favourite causes. Regardless of how much wealth you've accumulated or want to accumulate, you need an estate plan to: • Reduce administrative expenses and legal fees on your death • Preserve and leave a lasting legacy for your heirs, favourite charities and causes • Control, manage and allocate who receives your assets on your death Explore Estate Planning Solutions • Insurance Investing • Life Insurance • Accident & Sickness Insurance To learn how they can benefit you: