By Shea Sanche, CFP® · Last reviewed: April 2026
An introduction to Insight Planning - our approach, our values, and why we built Insight 360° OS as the foundation of everything we do for clients.
Let me guess.
You just got off a demanding work call, you have a reminder pinging to pay a university tuition bill, and you have a nagging, low-level anxiety that you still haven't had "the talk" with your parents about their estate.
You’re in your 40s or 50s. By every external measure, you’re a success. You’ve built a career, a business, and a family.
And yet, you’re the de-facto COO for your entire extended family.
You're the "go-to" person for everyone. Your time is stretched, and your mental load is at an all-time high.
You're "Sandwich Sam." And you're stuck in the middle.
The Problem Isn't Scarcity. It's Complexity.
Your financial life isn't simple anymore.
You've moved past the "how do I start saving?" phase. Your questions are bigger. They’re more complex. They’re higher-stakes.
You're not looking for "101 Budgeting Tips." You're asking:
- "What's the optimal way to pay myself from my corporation?"
- "How do I balance maxing my RRSP against paying for my kids' education and helping my parents?"
- "I have money in six different places (a corp, TFSA, RRSP, LIRA...). How do I build *one unified system?*"
- "I'm expecting an inheritance or a business exit. What are the tax implications and what's the first thing I should do?"
This is the reality of the Sandwich Generation. You're managing a high-stakes career, the legacy of your parents, and the launchpad for your children.
It's a lot. And you're probably trying to coordinate it all yourself.
You Don't Need More "Tips"—you need a system.
That's why we started Insight Planning.
We’ve created this for you.
We're not for everyone. We're for high-achieving Canadians who are navigating the complex intersection of family, career, and legacy.
Our mission here is simple: to provide clarity. We'll ditch the basic advice and focus on the high-level strategies you're actually searching for. We'll talk about corporate tax optimization, estate planning for complex families, de-accumulation strategies for retirement, and building a single, efficient financial system.
You've done the hard work of building your wealth. This blog is about helping you build a systemto manage it, so you can buy back your time and reduce your mental load.
You're not alone in this. We're glad you're here.
– Shea Sanche, CEO
Common Questions
Answers to the questions people actually ask.
Do I still need a will in Canada if assets are joint?
Yes. Joint ownership can simplify transfers, but it can also create fairness, control, and tax issues. A will plus clean ownership and beneficiary structure protects intent.
What is probate in Canada?
Probate is the legal process that validates a will and allows an executor to distribute assets. Avoiding probate should not create worse tax or family outcomes.
What does an executor do?
An executor administers the estate: collects assets, pays debts and taxes, files returns, and distributes the remainder according to the will. Preparation reduces delays. ← Back to all articles
Key Takeaway
Financial planning works best when all the pieces, investments, tax, estate, insurance, and retirement income, are coordinated as one system. That is what the Insight 360 OS is designed to do.
Common Questions
Answers to the questions people actually ask.
Do I still need a will in Canada if assets are joint?
What is probate in Canada?
What does an executor do?
Key Takeaway
Financial planning works best when all the pieces, investments, tax, estate, insurance, and retirement income, are coordinated as one system. That is what the Insight 360 OS is designed to do.