Protect your assets!

Protect and manage your assets effectively...

Our goal:

To assist you in implementing the necessary structures for

the protection of your assets and well-being...

Alter Ego Trust or Self-Benefit Trust (tax terminology).

Congratulations, you have chosen an Alter Ego Trust or Self-Benefit Trust (tax terminology).

A trust created after 1999 by a settlor who is at least 65 years old. The trust deed must specify that only the settlor is entitled to the income of the trust for their lifetime, and no other person besides the settlor can have rights to the income or capital during the settlor's lifetime. The settlor can transfer their assets to such a trust using a tax rollover, but this trust cannot be used for income splitting. This type of trust will be used, among other purposes, in provinces other than Quebec, to avoid probate fees (estate administration taxes that represent a percentage of the estate's value).

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Protection against legal actions

The main objective is to protect an individual's assets from potential creditors, except for existing or known claims and lawsuits at the time of establishing the trust. The trust is established during the taxpayer's lifetime.

Tax reduction

For centuries (over 400 years), trusts have served as a tool for estate planning, asset protection, and wealth transfer. Several tax and strategic management features of trusts allow for the reduction, deferral, and sometimes even elimination of income tax.

Asset protection

Transferring or donating to a trust allows for the protection of assets such as money, real estate, land, musical instruments, artwork, cultural property, environmentally sensitive assets, etc., from future creditors, landlords, banks, and governments.

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Income splitting

Primarily aims to distribute income among family members, typically at the discretion of the trustee(s). The income includes capital gains, dividend income, and interest income, among others.

Exemption

An exemption is a waiver of payment of tax, duty, or fee under certain conditions defined within one or more laws. The low income of individuals is a basis for exemption from certain taxes or fees.

Donation structure

The majority of donations are made in the form of money. However, it is also possible to donate in other ways. For example, one can choose to donate a real estate property, land, a musical instrument, artwork, cultural property, environmentally sensitive assets, etc.