Welcome to Insight Planning

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

About Shea Sanche

Shea Sanche, CFP®, is the founder of Insight Planning Wealth Management and has worked as a financial advisor since 1999. He specializes in financial planning, retirement strategy, and decision frameworks for Canadian families and business owners, with a focus on simplifying complex financial decisions and long-term wealth planning.

He is the creator of Insight 360 OS, a decision and life-design system built to help clients navigate financial complexity, uncertainty, and major life transitions.

Common Questions About This Topic

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.