At Boudreau & Associates Private Wealth Management, we know that wealth transfer is about more than money, it’s about continuity, clarity, and care. You’ve worked hard to build your wealth. Now, the question is: how will you pass it on?
Effective wealth transfer is one of the most powerful financial decisions you’ll ever make. Done well, it ensures that your assets support the people, the values, and the causes that matter most to you. Done poorly, it can create confusion, conflict, and unnecessary tax burdens. That’s why we do more than design estate strategies, we advocate for you, your family, and your legacy.
Canada’s Great Wealth Transfer Is Already Underway
Over the next two decades, Canada will witness the largest transfer of wealth in its history. Trillions of dollars are expected to pass from one generation to the next. Unfortunately, many of those transitions are unplanned or unclear leaving loved ones scrambling and wealth vulnerable to erosion.
At Boudreau & Associates, we believe that thoughtful wealth transfer requires early action, open dialogue, and tax-smart strategy. Whether you’re passing on a family business, a cottage, or investment assets, we help ensure the transition is smooth, efficient, and aligned with your vision.
Estate planning is an opportunity to shape your legacy with intention. It ensures your wishes are honoured, your loved ones are supported, and your wealth is transferred smoothly and tax-efficiently.
At Boudreau & Associates, we use scenario-based planning tools to help you understand how today’s decisions create long-term outcomes—giving you clarity, confidence, and control.
Together, we’ll explore key questions such as:
- Can I give financial gifts to my children now and still protect my retirement?
- How can I reduce taxes on my estate?
- Who will manage my assets if I’m unable to?
- How can I prepare my heirs to be thoughtful stewards of their inheritance?
We also work in close coordination with your legal and tax professionals to ensure every part of your plan aligns with your values and goals.
Bridging Generations With Clarity: We Help Families Talk About Wealth
Many families delay conversations about inheritance because of discomfort or uncertainty. But avoiding these discussions often leads to misunderstandings and unintended outcomes.
We help break the silence and ease the discomfort surrounding conversations about wealth and legacy. With warmth, transparency, and care, we guide your family and heirs through these discussions to ensure every voice is heard and every decision reflects your values.
Together, we will help you explore and openly discuss important questions such as who receives what and why, how to protect and empower heirs to use their inheritance wisely, how to preserve your vision and values long after you’re gone, and how to ensure your documents truly reflect your intentions.
At Boudreau & Associates, we know these aren’t just financial decisions and discussions, they are moments that build understanding, strengthen trust, and prepare your family for the future with confidence. Through thoughtful guidance and open communication, we turn difficult conversations into opportunities for connection and shared purpose. Together, we’ll create a foundation of trust to support your family through every chapter ahead.
Tools For Tax-Smart Wealth Transfer
A strong wealth transfer plan does more than divide assets—it preserves your intentions, minimizes taxes, and supports the people and causes that matter most to you. At Boudreau & Associates, we create personalized strategies that adapt to your life and help ensure a smooth, thoughtful transition of wealth.
Our focus areas include:
- Estate planning to minimize taxes, ensure smooth distribution, and simplify probate
- Trust strategies that control when and how heirs receive their inheritance, protecting younger or vulnerable family members
- Gifting strategies that reduce your estate, allow you to give now, and offer support when it matters most
- Insurance planning to provide liquidity for final expenses, balance inheritances, and cover tax liabilities
- Charitable giving that reflects your values while lowering taxes
- Corporate restructuring to optimize business succession
We also work closely with your accountant and legal team to ensure every detail aligns. The result is a comprehensive, well-coordinated plan rooted in what matters most to you: clarity, control, and a lasting legacy for your family.
Planning For Business Succession
Your business is a key part of your legacy. A clear succession plan ensures it continues to thrive and support your long-term goals. Whether you’re passing it on to family, selling to employees, or preparing for an outside sale, we’ll guide the process every step of the way.
Our approach includes:
- Identifying successors and preparing them for leadership
- Creating shareholder and buy-sell agreements
- Minimizing tax implications of the transfer
- Maintaining operations during and after transition
- Ensuring your retirement is fully supported by the business exit
A business transition shouldn’t feel like a risk, it should feel like a well-earned next chapter. We’re here to make sure it does.
Your Story, Your Legacy, Your Future
At Boudreau & Associates, wealth transfer is a transformation that ensures your hard work supports the people and values you care about for generations. We guide you through every step, whether managing tax planning, facilitating family conversations, or starting your legacy plan.
Let’s begin the conversation today. Together, we’ll create a plan that honours your life’s work and builds a lasting future for your family.
We invite you to speak with us today about creating a customized tax-efficient strategy to transfer your wealth in a way that reflects your wishes.