You’ve worked a lifetime to build your wealth—carefully, thoughtfully, and with meaning. Now comes the question few people feel ready to answer: What happens next? At Deacon Wealth Management, wealth transfer is about more than passing on assets. It’s about preserving the heart behind the numbers—your values, your story, and your vision for the people and causes you care about most.
We help you craft a strategy that supports not only the next generation’s financial security, but their ability to carry your legacy forward with confidence. From tax efficiency to family conversations, our process is about clarity, continuity, and care.
The great intergenerational wealth transfer is underway
Over the next two decades, Canada will witness one of the largest shifts of wealth in its history. Trillions of dollars are expected to move from baby boomers to their children and grandchildren. But wealth doesn’t transfer smoothly by default. Without a plan, it risks being eroded by taxes, lost to poor decisions, or fractured by family tensions.
At Deacon Wealth Management, we help you meet this moment with strategy and intention. Whether you’re passing on a business, a cottage, or a sizable investment portfolio, we create a roadmap that reflects both your values and your financial goals—making sure your legacy is more than just a number.
Honest conversations, stronger families
Talking about inheritance isn’t easy. Most families avoid it—until it’s too late. We help break the silence by guiding families through real, open conversations about wealth, responsibility, and future plans.
Our process is never about pressure. It’s about creating space for clarity and understanding, so your wishes are known and respected.
Together, we address:
- How your assets will be divided
- How to support loved ones in a sustainable way
- What your wealth represents and how to honour it
- Whether your documents reflect your actual wishes
The result? A more informed family, fewer surprises, and a transfer plan built on purpose—not assumptions.
A living plan for a lasting legacy
Wealth transfer is not a one-time event—it’s a living strategy. Life changes. So should your plan. Whether you’ve recently retired, welcomed a new grandchild, or sold your business, we ensure your plan adapts with you.
Our wealth transfer strategies include:
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Estate planning
Reducing tax, simplifying the legal process, and directing assets where you want them to go.
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Trusts and lifetime gifting
Tools for flexibility, privacy, and giving with intention—during your lifetime or after.
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Insurance planning
Using life insurance to protect your estate from tax erosion and create liquidity when it’s needed most.
Business succession with clarity and care
For many of our clients, the bulk of their wealth isn’t in an investment account—it’s in a business. The time, energy, and risk it took to build that success deserve a thoughtful transition plan.
We guide business owners through every phase of succession—whether you’re handing it to family, selling to employees, or seeking an outside buyer. Our business succession strategies cover:
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Successor readiness
Making sure the next owner is truly prepared
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Tax efficiency
Reducing tax liability on sale or transfer
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Continuity planning
Avoiding disruptions to operations or cash flow
Protecting your legacy from unnecessary tax
One of the biggest threats to your wealth? Taxes at the wrong time. Without careful planning, your estate can face significant tax liabilities—leaving less for your heirs.
At Deacon Wealth Management, we focus on minimizing the tax drag at every stage:
- Capital gains on property or business assets
- Estate taxes and final returns
- Taxable income from RRSP or RRIF withdrawals
- Income splitting and other advanced tax strategies
Our plans are designed to protect what you’ve built, using every available tool to keep more of your wealth in your family’s hands.
It’s about more than money. It’s about meaning.
You’ve shaped your wealth with intention—now it’s time to shape its future. Whether you want to support children, contribute to a cause, or prepare your heirs to lead with confidence, we help make it happen. We don’t believe in rushed advice or off-the-shelf plans. We listen. We collaborate. And we build strategies that reflect who you are and what you’ve worked for.
