Sudden Wealth & Inheritance Planning | Kelowna & BC

You Didn't Ask for the Weight. But You Have to Carry It.

Inheritance is complex. It brings gratitude, grief, and often, guilt. The Noise of family requests and tax confusion can be overwhelming. The Executor handles the estate's past; we help you architect its future.

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The 3 Calls You Will Get This Month

The "Long Lost" Friend: Asking for a loan.
The Generic Advisor: Pitching a high-fee fund.
The Family Member: "Just a small help."

When you hire us, you get to say: 'You have to talk to my Personal CFO.'

We become the bad guy so you can preserve your relationships."

The Executor and The Advocate

The Executor's Job: To close the accounts, pay the taxes, and distribute the cash. Their job ends when the check clears.

Our Job: To prepare you for the check. We focus on the recipient, not the deceased. We turn Inheritors (who spend) into Stewards (who protect).

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Why Do We Charge a Fee?

The Truth: If we relied solely on Asset Management (AUM) fees, there would be an invisible pressure to rush your inheritance into the market to generate revenue for us.

The Solution: By charging a transparent flat fee for the Stabilization Session and Charter, we buy you the right to wait. We are paid to protect your peace, not just to move your money.

Your Path to Stewardship

THE HOLDING TANK

We secure the liquidity in a safe, high-yield account. No decisions. Just 3-12 months of stabilization while you grieve.

THE QUIET PERIOD

We build your Sovereignty Charter. We define what this money means. Is it for education? Charity? Liberty? We ratify the purpose so you feel like a Steward.

THE SOVEREIGNTY

Once the Charter is ratified, you own it. There is no obligation to keep your assets with us. You stay because you want to, not because you are trapped.

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"When my mother passed away, I knew I wanted to love and honour her and her memory by making careful and wise decisions with the inheritance she left me.

Though it was a steep learning curve, and admittedly I am still learning, I am profoundly thankful that I can trust Rolf and that I have his expertise to guide me. I now have a very bright financial future for myself and my daughters."

Geneva - Kelowna, BC

Common Questions for Beneficiaries

Is inheritance taxable in British Columbia?

Generally, no. In Canada, there is no "Inheritance Tax" paid by the beneficiary. However, the Estate pays taxes on all capital gains before the money is distributed. Additionally, BC charges Probate Fees (approx. 1.4%) on the estate's value. We help you calculate the net amount you will actually receive so you can plan accurately.

What if I inherit a house in the Okanagan?

You must decide to Sell, Rent, or Occupy. Inheriting real estate triggers specific issues with Capital Gains Tax (if it wasn't the primary residence) and Property Transfer Tax. We help you run the math on the cash flow implications of keeping the property vs. the liquidity of selling it.

How quickly do I need to invest the money?

You shouldn't. We recommend a 90-Day Decision Free Zone. Rushing into the market while grieving often leads to emotional mistakes. Your priority is solvency and safety, not immediate returns.

Is the life insurance payout taxable?

Generally, no. In Canada, life insurance death benefits are almost always received tax-free by the beneficiary. This differs significantly from RRSPs or RRIFs, which can be heavily taxed on the estate's final return. Because this liquidity arrives "instantaneously," it is a common trigger for Sudden Wealth Syndrome. We recommend parking these funds in a Sanctuary Account during your 90-day Decision Free Zone rather than investing them immediately.

Ready to Stop The Noise?

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