Insight 360° Decision Domains

The shift from building wealth to living on it. The moment the question changes from "am I saving enough?" to "will this actually last?" We design the income, sequence the withdrawals, and time CPP and OAS so the transition into retirement is made once, deliberately, and not walked back.

The decisions where tax is decided years before the bill arrives: a liquidity event, a large gain, a change in income. We position RRSP and TFSA room, capital gains, income splitting, and giving ahead of the moment, while the choices are still open, instead of reacting after they have closed.

The transition that arrives whether or not anyone is ready for it: a death, a wealth transfer, the question of what passes to the next generation. We structure wills, trusts, probate, cottage succession, and gifting in advance, so the hard moment is about family, not paperwork no one feels ready for.

The decisions around the business you spent decades building: how to pay yourself, where capital sits, and what happens at a sale or succession. Get the structure right before the exit and the rest of the plan has room to breathe; get it wrong and the cost can follow you long after the deal closes.