01
Family Wealth Planning
Organize the household's resources, protections and long-term priorities.
- Cash flow, reserves and debt
- TFSA, RRSP, RRIF, RESP and FHSA
- Insurance and retirement projections
- Family support, giving and estate considerations
Planning Areas
Connecting today's financial decisions with tomorrow's responsibilities
Investment, insurance, retirement, business and estate decisions should not be considered in isolation. Copper Hills helps clients understand how these areas connect and create an order of priorities.
Start a ConversationAn integrated perspective
The areas are different. The decisions are connected.
Planning may touch many parts of a family's financial life. We help organize the questions, identify where specialist advice is needed and keep decisions connected to the responsibilities they are meant to support.
02
Retirement and Income Planning
Coordinate income sources and withdrawals with taxation, giving and estate preservation.
- RRSP/RRIF, TFSA, CPP/OAS and pensions
- LIRA, corporate dividends and rental income
- Non-registered assets and insurance values
- Charitable giving and preserving the estate
03
Business and Corporate Planning
Connect the business balance sheet with ownership risk, retirement and family succession.
- Corporate cash and passive-income considerations
- Operating and holding companies
- Key-person and shareholder risks
- Buy-sell funding, succession and estate equalization
01
Family Wealth Planning
Organize the household's resources, protections and long-term priorities.
- Cash flow, reserves and debt
- TFSA, RRSP, RRIF, RESP and FHSA
- Insurance and retirement projections
- Family support, giving and estate considerations
02
Retirement and Income Planning
Coordinate income sources and withdrawals with taxation, giving and estate preservation.
- RRSP/RRIF, TFSA, CPP/OAS and pensions
- LIRA, corporate dividends and rental income
- Non-registered assets and insurance values
- Charitable giving and preserving the estate
03
Business and Corporate Planning
Connect the business balance sheet with ownership risk, retirement and family succession.
- Corporate cash and passive-income considerations
- Operating and holding companies
- Key-person and shareholder risks
- Buy-sell funding, succession and estate equalization
04
Life Insurance Planning
Consider protection where it supports family, business and estate responsibilities. Begin with risk and purpose, not product.
- Income replacement, debt and family support
- Education, business succession and shareholder funding
- Key-person protection and estate liquidity
- Risk, duration, ownership, beneficiaries, affordability and flexibility
05
Disability and Income Protection
Protect the ability to earn, manage responsibilities and make decisions through periods of uncertainty.
- Individual disability and group-benefit review
- Business overhead and key-person protection
- Emergency reserves and critical illness
- Powers of attorney and continuity planning
06
Critical Illness Planning
Create financial flexibility during recovery and protect long-term plans from an unexpected interruption.
- Time away from work, care and travel
- Home modifications and childcare
- Business obligations and debt reduction
- Protecting retirement savings
07
Estate and Intergenerational Planning
Coordinate liquidity, ownership and communication across generations.
- Estate tax, registered assets and property
- Business succession and equalization
- Executors and powers of attorney
- Trusts, charitable gifts and next-generation education
08
Trust and Beneficiary Planning
Clarify how trusts and beneficiary designations may support a broader plan, with legal and tax advice where required.
- Family, discretionary, spousal and Henson trusts
- Insurance, charitable and foreign trusts
- Purpose, trustee choice, residency and control
- Funding, reporting, taxation and foreign beneficiaries
09
Education and RESP Planning
Coordinate education savings with grants, timing, beneficiaries and future withdrawals.
- Contribution timing and investment horizon
- Family versus individual plans
- Beneficiary changes and EAPs
- Unused balances and withdrawal timing
10
Legacy and Philanthropy
Support giving during life or through the estate while involving family in the values behind it.
- Gifts of securities and donor-advised funds
- Corporate giving and life-insurance donations
- Foundations and estate gifts
- Family participation and next-generation values
11
Multi-Jurisdiction Planning Coordination
Map people, assets and ownership across borders, then coordinate the right questions with qualified professionals.
- Ownership and beneficiary mapping
- Potential conflicts between jurisdictions
- Insurance and liquidity coordination
- Qualified professional involvement in each jurisdiction
Connected planning
Important decisions rarely fit in one category.
A retirement decision may affect taxes, insurance, corporate dividends and the estate. A business decision may affect family security, succession and charitable goals. We help keep those relationships visible while coordinating with the professionals who provide specialized advice.
Coordinated with the right professional perspective
Legal, tax and investment advice is provided by appropriately qualified professionals. Planning considerations depend on individual circumstances and applicable requirements.
The next conversation
Start with the decisions that matter most.
An introductory conversation can help identify which planning areas are connected, what needs attention now and where a coordinated next step may help.