Your Estate Matters

https://www.estateclub.ca/estate-planning-checklist

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Episode 63 - Breaking the Inner Glass Ceiling with Jen Murtagh

Thu, 14 May 2026 13:00:13 +0000

In this episode of Your Estate Matters, Nicole speaks with Jen Murtagh, co-founder of Maturn and creator of the Brave Connectedness framework that she employs in her coaching practice Jen Murtagh Coaching. Jen shares her journey from C-suite executive to entrepreneur, shaped by burnout, divorce, and a life-changing heart disease diagnosis. Together, they explore how midlife transitions — retirement, caregiving, widowhood, and menopause — affect both identity and life planning. Jen encourages listeners to embrace small acts of bravery, lean into community, and do meaningful inner work, reminding us that reinvention is possible at any age and that it's never too late to live with greater intention.

Follow Jen Murtagh:

Jen Murtagh Coaching - https://www.jenmurtagh.com/

Maturn - https://maturn.com/meet-the-founders/

LinkedIn - https://www.linkedin.com/in/jenmurtagh/

Instagram - https://www.instagram.com/jenmurtaghcoaching/

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 62 - Secrets to Money and Relationship Harmony with Alyson Jones

Thu, 30 Apr 2026 13:00:15 +0000

In this week's episode, Nicole speaks with renowned therapist Alyson Jones about the complex relationship between money and couples. Together, they explore why financial conversations are so difficult, touching on emotional history, gender dynamics, power imbalances, and the taboo surrounding money. Alyson offers practical advice for improving communication, including regular financial check-ins, approaching discussions with curiosity and empathy, and recognizing warning signs of financial abuse. She also addresses how midlife transitions — retirement, supporting adult children, and estate planning — make open, respectful money conversations more important than ever.

Follow Alyson Jones:

Website - https://www.alysonjones.ca/

Instagram - https://www.instagram.com/alysonjonesassociates/

LinkedIn - https://ca.linkedin.com/in/alyson-jones-13297930

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 61 - Understanding Cross-Border Tax and Estate Planning with Jonah Spiegelman

Thu, 02 Apr 2026 22:00:59 +0000

In this episode of Your Estate Matters, Nicole speaks with cross-border estate planning expert Jonah Spiegelman of Polaris Tax Counsel. Together, they explore the complex tax and legal challenges facing U.S. citizens living in Canada and Canadians with U.S. ties. Topics include annual U.S. filing obligations, estate and gift tax interactions, registered accounts like TFSAs and RRSPs, U.S. real estate ownership, and the pitfalls of improper estate planning. Jonah emphasizes that personalized, knowledgeable advice is essential to avoid costly mistakes, double taxation, and penalties for those navigating life on both sides of the border.

Follow Jonah Spiegelman:

Website - http://jspiegelman.com/attorneys/jonah-z-spiegelman/

Polaris Tax Counsel - https://polaristax.com/jonah-spiegelman/

LinkedIn - https://ca.linkedin.com/in/jonahspiegelman

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

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Episode 60 - How to Safeguard Your Disabled Loved Ones in Your Estate Plan with Hugh McLellan

Thu, 26 Mar 2026 22:30:55 +0000

In this week's episode of Your Estate Matters, Nicole welcomes elder law expert Hugh McLellan to discuss estate planning for disabled beneficiaries in British Columbia. They explore the complexities of protecting inheritances and government benefits, the importance of trusts, and the role of representation agreements.

Hugh highlights the need for early, individualized planning and explains the current legal framework, including guardianship laws and the Registered Disability Savings Plan (RDSP). The episode offers practical advice and emphasizes the value of professional guidance to help families secure their loved ones’ futures.

Links:

Follow Hugh McLellan:

Website - https://mclellanherbert.com/

LinkedIn - https://www.linkedin.com/in/hugh-mclellan-aa0b8b26/

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Financial and Legal Tools/Programs

Community Living British Columbia - https://www.communitylivingbc.ca/

PLAN (Lifetime Advocacy Network) - https://plan.ca/

Registered Disability Savings Plan (RDSP) - https://www.canada.ca/en/employment-social-development/programs/disability/savings.html

Disability Tax Credit - https://www.canada.ca/en/revenue-agency/services/tax/individuals/segments/tax-credits-deductions-persons-disabilities/disability-tax-credit.html

Section 7 Representation Agreement - https://www2.gov.bc.ca/gov/content/health/managing-your-health/incapacity-planning

British Columbia Disability Benefits Program - https://www2.gov.bc.ca/gov/content/family-social-supports/services-for-people-with-disabilities/disability-assistance

Books

Financial and Estate Planning for the Mature Client in British Columbia - https://store.lexisnexis.ca/en/categories/shop-by-jurisdiction/british-columbia-9/financial-and-estate-planning-for-the-mature-client-in-british-columbia-skusku-cad-00035/details

Episode 59 - Protecting Vulnerable Adults from Financial Abuse with Kathleen Cunningham

Thu, 29 Jan 2026 20:00:48 +0000

In this episode of Your Estate Matters, expert Kathleen Cunningham shares her extensive experience in elder law and estate matters. The discussion explores the complexities of elder abuse, undue influence, and financial exploitation, highlighting legal protections and practical steps for safeguarding vulnerable adults. Kathleen explains the roles of the Public Guardian and Trustee, designated agencies, and community response networks in British Columbia. Listeners gain valuable insights into recognizing red flags, understanding available resources, and the importance of community involvement in protecting families, assets, and legacies. This episode empowers Canadians to take informed action in estate planning and elder protection.

Links for this episode:

STEP Canada Client Service Resource: A Guide for Assisting Persons in Vulnerable Situations https://online.fliphtml5.com/zskjb/zjwz/#p=1

(flipbook and downloadable;

see Appendix 8 for annotated list of Resources.

See Appendix 4 for resources on unconscious bias;

See Appendix 7 for list of provincial and territorial PGTs.

Canadian Centre for Elder Law – Practical Guide to Elder Abuse and Neglect Law in Canada https://ccelderlaw.ca/ (En/Fr) & https://www.bcli.org/sectors/ccel/

BC Law Institute: Undue Influence Recognition and Prevention: A Guide for Legal Practitioners and Reference Aid https://www.bcli.org/project/undue-influence-recognition-prevention-guide-update-project/

BC Association of Community Response Networks https://bccrns.ca/

watch for monthly provincial learning events , education events; and World Elder Abuse Day (June 15) events

Public Guardian and Trustee of BC: https://www.trustee.bc.ca/adults/vulnerable-adults-experiencing-abuse-neglect-or-self-neglect

(scroll down to the Decision Tree link and link to BC government website

Text at the bottom of the page:

See Decision Tree: How to Assist an Adult who is Abused, Neglected or Self-neglecting (PDF, 424KB) to better understand which agencies to contact to make the most effective referrals for adults who may be vulnerable or incapable.

For more information, see the Province's website on protecting elders from abuse and neglect, and the PGT's videos on how to assist an adult who is abused, neglected or self-neglected.

See this page for list of designated agencies https://www.trustee.bc.ca/adults/protecting-vulnerable-adult-abuse-neglect-or-self-neglect

Canadian Network for the Prevention of Elder Abuse https://cnpea.ca/en/ - En/Fr; watch for World Elder Abuse Day (June 15) events

Nidus: https://nidus.ca/about-us/

Information and forms for Representation Agreements and more.

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 58 - Does Your Family Need a Personal CFO? with Frank Danielson

Thu, 22 Jan 2026 14:00:12 +0000

In this week's episode, Nicole welcomes Frank Danielson, a seasoned personal CFO and wealth mentor. Together, they explore the complexities of managing and transitioning family wealth and businesses. Frank shares insights on the emotional and practical challenges families face, the importance of open communication, and the evolving role of a personal CFO.

The discussion emphasizes holistic planning, risk management, and the need for family alignment, offering listeners practical advice on fostering meaningful conversations and preparing for the future in today’s uncertain economic landscape.

Follow Frank Danielson:

Website - https://danielsongroup.ca/

LinkedIn - https://ca.linkedin.com/in/frankdanielson

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 57 - Optimizing Life Insurance for Wealth & Legacy with Vince Cardella

Thu, 08 Jan 2026 14:00:45 +0000

In our first episode of 2026, Nicole, interviews Vince Cardella, a seasoned financial advisor and co-founder and Principal at Promerita Group, about the vital role of life insurance in estate and business succession planning. They discuss the differences between term, whole life, and universal life insurance, the importance of disability coverage, and strategies for managing tax liabilities. Vince shares practical advice for business owners and families, emphasizing the benefits of proactive planning and trusted professional guidance. The conversation offers clear, relatable insights for Canadians looking to protect their families, preserve wealth, and plan for the future.

Follow Vince Cardella:

Website - https://www.promerita.com/

LinkedIn - https://www.linkedin.com/in/vince-cardella-3500aa11/

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 56 - Smart Moves for Tough Family Decisions with Angela Thiele

Thu, 06 Nov 2025 14:00:38 +0000

What happens when four decades of family and estate law collide with real-life lessons about love, loss, and legacy? In this compelling episode of Your Estate Matters, host Nicole Garton sits down with veteran litigator Angela Thiele, Partner at Lindsay Kenney LLP. We unpack what she’s learned after more than 40 years helping families navigate some of life’s most difficult transitions.

Together, she and Nicole unpack the roots of family conflict, the rise of “gray divorce,” generational and cultural differences in estate planning, and why mediation often beats the courtroom.

With wisdom, warmth, and a dash of tough love, Angela reminds us that the best lawyers don’t just win cases, they help clients heal and move forward.

Follow Angela Thiele:

Website - https://lklaw.ca/

LinkedIn - https://www.linkedin.com/in/angela-thiele-28275014

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 55 - Balancing Tech and Human Connection in Law with Christopher Martin

Thu, 16 Oct 2025 13:00:50 +0000

In today's episode of Your Estate Matters, Nicole speaks with Chris Martin, Managing Partner at Lindsay Kenney, about his journey in litigation and the evolving legal landscape in British Columbia. They discuss the shift to no-fault ICBC claims, economic pressures on legal practice, and the growing role of technology and AI. Chris shares insights on mentoring young lawyers, managing a midsize firm, and the importance of professionalism and empathy. The conversation offers practical advice for Canadians interested in protecting their families, assets, and legacies amid changing legal and economic conditions.

Follow Chris Martin:

Website - https://lklaw.ca/our-people/christopher-martin/

LinkedIn - https://ca.linkedin.com/in/chrisatlklaw

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 54 - Unpacking Trauma in Family Conflicts with Julie Gowthorpe

Thu, 09 Oct 2025 18:00:24 +0000

In this episode, Nicole interviews Dr. Julie Gowthorpe, a specialist in trauma and family dynamics. Dr. Gowthorpe explains the difference between simple and complex trauma, how early experiences shape relationships, and the impact of trauma on family conflict—especially during estate matters. She offers practical advice on self-awareness, communication, and breaking unhealthy cycles, emphasizing the importance of trauma-informed support. The episode provides listeners with insights and strategies to foster healing, improve family relationships, and protect their legacies for future generations.

Follow Julie Gowthorpe:

Website - https://gowthorpetherapists.com/

LinkedIn - https://ca.linkedin.com/in/julie-gowthorpe-ph-d-rsw-20867a5b

Instagram - https://www.instagram.com/drjuliegowthorpersw/?hl=en

Amazon - https://www.amazon.ca/Dr-Julie-Gowthorpe/e/B00MMKI5V2

Facebook - https://www.facebook.com/drjuliegowthorpe/

Tiktok - https://www.tiktok.com/@drjuliegowthorpersw

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

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Episode 53 - The Best Way to Simplify Your Will-Making Process with Tim Hewson

Thu, 02 Oct 2025 19:30:17 +0000

In today's episode, Nicole speaks with Tim Hewson, co-founder of LegalWills, about the rise of online wills and their impact on estate planning. They discuss how technology is making wills more accessible, secure, and affordable, while also addressing common barriers and misconceptions. The conversation covers the benefits and limitations of online will services, the role of AI, and the growing trend of charitable giving through wills. Listeners gain practical insights into modern estate planning and the importance of thoughtful legacy decisions.

Follow Tim Hewson:

Website (LegalWills) - https://www.legalwills.ca/

Website (Tim Hewson) - https://www.timhewson.com/

LinkedIn - https://ca.linkedin.com/in/timhewson

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 52 - The Emotional Journey to Financial Freedom with Jessica Moorhouse

Thu, 25 Sep 2025 17:00:51 +0000

In today's episode, Nicole and Greg welcome personal finance expert and host of the More Money podcast, Jessica Moorhouse. Jessica shares her journey from discovering money blogs to becoming a bestselling author and educator. The discussion explores the emotional and cultural factors shaping financial habits, the impact of family history, and the unique challenges millennials face. Jessica offers practical advice on financial wellness, homeownership, and overcoming systemic barriers. She emphasizes self-awareness, resilience, and accessible education, encouraging listeners to redefine financial success and approach money matters with compassion and confidence.

Head to Jessica's website to find her new book, Everything but Money: The Hidden Barriers Between You and Financial Freedom:

https://jessicamoorhouse.com/book

Follow Jessica:

Website - https://jessicamoorhouse.com/

Instagram - https://www.instagram.com/jessicaimoorhouse/?hl=en

Youtube - https://www.youtube.com/channel/UCPYnO91qekBWZExXRUtq2Qw

X - https://x.com/jessi_moorhouse?lang=en

Facebook - https://www.facebook.com/jessicaimoorhouse/

LinkedIn - https://ca.linkedin.com/in/jessicaimoorhouse

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 51 - Turning Memories into Legacies with Mali Bain

Thu, 18 Sep 2025 13:00:57 +0000

What stories from your life or family deserve to be remembered 100 years from now?

This week Nicole and Greg sit down with Mali Bain, educator, facilitator, and founder of NextGen Story Custom Publishing. Mali shares how she helps families transform life stories and histories into beautifully crafted books that preserve legacy across generations.

From capturing the wisdom of elders to bridging generational gaps through storytelling, Mali explains why books often outlast digital files, how writing can be both healing and connective, and why every life story has value. She also shares her own journey and reveals how personal narratives can strengthen resilience, belonging, and family bonds.

Discover why preserving your story may be one of the most meaningful legacies you can leave behind.

Follow Mali Bain:

Website - https://www.nextgen.com/

LinkedIn - https://www.linkedin.com/in/mali-bain-5a81304

Instagram - https://www.instagram.com/nextgenstory/

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 50 - How the West Vancouver Foundation Transforms Local Lives with Denise Howell

Thu, 11 Sep 2025 13:00:25 +0000

In today's episode, Nicole and Greg chat with Denise Howell, Executive Director of Grants and Communications at the West Vancouver Foundation.

Denise explains how the foundation connects donors with local initiatives, manages grant programs, and supports causes such as seniors’ care, youth programs, and the arts. She discusses the importance of legacy giving, how individuals can get involved through donations or volunteering, and the foundation’s collaboration with estate professionals.

Listeners gain practical insights into using estate planning and charitable giving to make a lasting impact in their communities.

Follow Denise Howell:

Website - https://westvanfoundation.ca/

LinkedIn - https://ca.linkedin.com/in/dehowell

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 49 - The Conversations We Avoid and Why They Matter: Advance Care Planning with Connie Jorsvik

Thu, 04 Sep 2025 13:00:20 +0000

In todays episode of Your Estate Matters, Nicole and Greg sit down with Connie Jorsvik. Connie is a seasoned healthcare navigator, independent patient advocate, and founder of Patient Pathways. With over 25 years of experience as a registered nurse, Connie has helped countless families navigate Canada’s healthcare system and prepare for the unexpected.

She explains why advance care planning is more than paperwork, it’s about having courageous conversations with loved ones before a crisis strikes. From representation agreements and advance directives to navigating dementia and avoiding hospital “revolving doors,” Connie shares practical wisdom and powerful stories that reveal the cost of not planning ahead.

Whether you’re supporting aging parents, facing your own health challenges, or simply want peace of mind, this conversation will inspire you to take action today rather than leave decisions to chance tomorrow.

Follow Connie Jorsvik:

Website - https://conniejorsvik.ca/

LinkedIn - https://www.linkedin.com/in/connie-jorsvik

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 48 - How Philanthropy is Shaping the Future of Lionsgate Hospital with Louise Campbell

Tue, 02 Sep 2025 22:30:19 +0000

In this week's episode, Nicole and Greg welcome Louise Campbell, Vice President of the Lions Gate Hospital Foundation. Louise shares insights into the foundation’s pivotal role in supporting healthcare on the North Shore, including leading a $100 million campaign for the Paul Myers Tower. The discussion covers the impact of community donations, volunteer opportunities, advancements in medical technology, and the importance of legacy giving. Get ready to learn how collective generosity and involvement help ensure quality healthcare for current and future generations!

Follow Louise Campbell:

LinkedIn - https://www.linkedin.com/in/locampbell/?originalSubdomain=ca

Lions Gate Hospital Foundation - https://lghfoundation.com/

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 47 - Who Will Care When You’re Gone? Building Lifelong Networks for Loved Ones with Disabilities with Rebecca Pauls

Thu, 21 Aug 2025 06:00:36 +0000

In this episode of Your Estate Matters, Nicole and Greg sit down with Rebecca Pauls, Executive Director of the Plan Lifetime Advocacy Network (PLAN). Rebecca shares how PLAN helps families answer one of the hardest questions they’ll ever face: What will happen to my loved one with a disability when I’m no longer here?

From the power of personal support networks to practical tools like representation agreements, discretionary trusts, and the Registered Disability Savings Plan, Rebecca explains how families can create lasting security and genuine belonging for their loved ones. She also highlights the emotional side of future planning, the risks of isolation, and why starting early is the greatest gift you can give.

This episode shines a light on both the practical steps and the human connections that make estate planning truly effective

Follow Rebecca Pauls:

Website - https://plan.ca/

LinkedIn - https://www.linkedin.com/in/rebecca-pauls-58473b48

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 46 - Turning Your Legacy into a Lifeline for Animals with Yolanda Benoit

Thu, 14 Aug 2025 13:00:18 +0000

In this heartfelt episode of Your Estate Matters, Nicole and Greg sit down with Yolanda Benoit, Director of Wills & Estate Gifts at the BC SPCA, to explore how planned giving can protect animals for generations to come. From funding emergency food banks and life-saving veterinary care to building facilities for rescued cats and traumatized dogs, Yolanda shares moving stories of donors whose legacies continue to change lives. Learn the surprising ways you can support animal welfare beyond cash gifts, why clear will wording matters, and how the BC SPCA is tackling the root causes of animal suffering. Whether you’re an animal lover or just curious about meaningful giving, this conversation will inspire you to think differently about your own legacy.

Follow Yolanda Benoit:

LinkedIn - https://www.linkedin.com/in/yolanda-b-38b08210

Website - https://spca.bc.ca/

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 45 - The Role of Dying With Dignity Canada in End-of-Life Advocacy with Alex Muir

Fri, 08 Aug 2025 17:30:46 +0000

In today's episode, Greg and Nicole welcome Alex Muir, Chair of Metro Vancouver’s Dying With Dignity Canada. Together, they discuss the evolution of Medical Assistance in Dying (MAID) in Canada, eligibility criteria, and the importance of advanced care planning. Alex shares personal insights, addresses common myths, and highlights the organization’s role in supporting informed end-of-life choices. The conversation emphasizes balancing autonomy with safeguards, and encourages open family discussions about end-of-life wishes to ensure dignity and clarity for all Canadians.

Follow Alex Muir:

Website - https://www.dyingwithdignity.ca/

LinkedIn - https://ca.linkedin.com/in/alex-muir-b3b6ba21

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 44 - Why Mental Illness Should Change the Way You Plan Your Estate with Liz Charyna

Thu, 31 Jul 2025 06:00:37 +0000

In this powerful episode of Your Estate Matters, Nicole and Greg sit down with Liz Charyna, Executive Director of Pathways Serious Mental Illness Society. Charyna addresses an often overlooked aspect of estate planning: considerations for mental illness. From navigating stigma and treatment gaps to preparing legal documents like representation agreements and trusts, Liz offers practical and compassionate insight for families facing serious mental health challenges.

What is the difference between mental health and serious mental illness? How can estate planning provide stability and peace of mind for caregivers and loved ones? And why is early incapacity planning one of the most overlooked, yet vital, steps in supporting those we love? Tune in to explore the human side of legacy planning in a conversation that is both eye-opening and deeply needed.

Follow Liz Charyna:

Website - https://pathwayssmi.org/

LinkedIn - https://www.linkedin.com/in/lizcharyna

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 43 - The Hidden Risks of Collectibles: What Every Executor Needs to Know with Steven Joe

Thu, 24 Jul 2025 13:00:57 +0000

When it comes to estate planning, unique assets like fine art, vintage wine, rare watches, and even Egyptian antiquities come with more than just sentimental value - they come with complications. In this episode of Your Estate Matters, Nicole and Greg are joined by Steven Joe, Senior Financial Planner at Assante Financial Management, who dives deep into the world of collectible wealth.

From $5,000 bottles of spoiled wine to heirs feuding over doilies, Steven shares real-life stories and expert advice on how to preserve, protect, and pass down your prized possessions without creating chaos. Tune in to learn how to avoid the hidden pitfalls of alternative assets and why gifting with a “warm hand” might just save your legacy.

Follow Steven Joe:

Website - https://stevenjoefinancial.com/

LinkedIn - https://www.linkedin.com/in/steven-joe-cpa-ca-cfp

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 42 - Divorce, Debt & Secrets Lenders Don’t Tell You: Sabeena Bubber on Protecting Your Estate

Thu, 17 Jul 2025 13:00:43 +0000

In this insightful episode of Your Estate Matters, Nicole and Greg welcome Sabeena Bubber, veteran mortgage broker and founder of The Divorce Circle.

Sabeena unpacks practical wisdom from her decades in the mortgage industry, tackling topics like how mortgages impact estate planning, what happens to real estate debts when someone passes away, and the growing complexities of blended families and divorce on property ownership.

Learn the differences between mortgage insurance and personal life insurance, discover the truths about reverse mortgages, and hear Sabeena’s essential tips for preserving financial stability and building a legacy. Whether you’re planning your estate or navigating big life changes, this episode offers valuable guidance you won’t want to miss.

Follow Sabreena Bubber:

LinkedIn – https://www.linkedin.com/in/sabeena-bubber-9331474

Website - https://www.sabeenabubber.ca/

Instagram - https://www.instagram.com/sabeenab/?hl=en

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 41 - How Do You Settle an Insolvent Estate? With Holly Palmer

Thu, 10 Jul 2025 17:30:46 +0000

In this episode, Nicole and Greg welcome Holly Palmer, a licensed insolvency trustee with MNP, to discuss managing estates with more debts than assets. Holly explains the roles and responsibilities of executors, how creditor claims are prioritized, and the differences between secured and unsecured debts. The conversation also covers the importance of documenting family loans and clarifies when family members may be liable for a deceased person’s debts. Listeners gain practical insights into handling insolvent estates and the legal considerations involved in these complex situations.

Follow Holly Palmer:

LinkedIn - https://ca.linkedin.com/in/holly-palmer-ab84838

Website - https://mnpdebt.ca/en/personnel/holly-palmer

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 40 - Art, Value & Legacy: Insights from Fine Art Appraiser Jim Finlay

Thu, 03 Jul 2025 13:00:59 +0000

In this fascinating episode of Your Estate Matters, Nicole and Greg sit down with Jim Finlay, accredited fine art appraiser and founder of Finlay Fine Art Appraisals. Jim shares his unique journey from architecture to art, and reveals what really goes into valuing fine art collections. How can art collectors protect the value of their investments? What role does provenance play in preserving an artwork’s legacy? And how does Canada’s cultural property export system affect the art market? Tune in for an engaging conversation that blends art, law, and estate planning and discover why fine art is about much more than just beauty on a wall.

Follow Jim Finlay:

Website - https://www.jamesfinlayfineart.com/

LinkedIn - https://www.linkedin.com/in/jim-finlay-418b27116

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Read less

Episode 39 - What Mediation Can Do for Your Family with Edward Macaulay

Thu, 26 Jun 2025 13:00:38 +0000

When families fight over wills and inheritances, the courtroom isn’t the only way forward. In this insightful episode of Your Estate Matters, hosts Nicole and Greg are joined by Edward Macaulay, an experienced estate litigation lawyer and mediator, to unpack the power of mediation in resolving complex estate and elder care disputes.

From strained family dynamics and second marriages to allegations of undue influence and executor challenges, Edward shares real-world scenarios where mediation helped avoid costly court battles. He explains the mediation process, its benefits over litigation, common pitfalls, and how preparation and mindset can make or break a resolution.

Whether you're an executor, a beneficiary, or just planning ahead, this episode is packed with practical wisdom and cautionary tales you won’t want to miss.

Follow Edward Macaulay:

Website - https://www.northshorelaw.com/attorneys-people/edward-macaulay/

LinkedIn - https://www.linkedin.com/in/edward-macaulay-36485618

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

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Episode 38 - How Cultural Traditions Shape Estate Planning with Perminder Tung

Thu, 19 Jun 2025 23:00:39 +0000

In today's episode, Nicole and Greg welcome estate lawyer Perminder Tung from Lindsay Kenney LLP to discuss the intersection of cultural traditions and estate planning in Canada. Focusing on challenges within the South Asian community, Perminder shares insights on inheritance customs, legal rights, and the impact of British Columbia’s Wills, Estates and Succession Act.

The conversation highlights the importance of open family dialogue, proactive planning, and community education to ensure fair and equitable estate distribution. Listeners are encouraged to seek professional advice and consider cultural factors in their own estate planning.

Follow Perminder Tung:

Website - https://lklaw.ca/our-people/perminder-s-tung/

LinkedIn - https://ca.linkedin.com/in/perminder-s-tung-195b05b

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 37 - Building a Legacy: The Intersection of Faith, Family, and Community Service with Father Tim Prattas

Thu, 12 Jun 2025 13:00:00 +0000

In this compelling episode of Your Estate Matters, Nicole and Greg sit down with Father Tim Prattas, Parish Priest at Sts. Nicholas and Dimitrios Greek Orthodox Community. Father Tim shares how a lifelong calling to the priesthood has shaped his views on responsibility, legacy, and the power of community.

How does faith influence the way we approach estate planning and service? What does it really mean to leave behind more than just financial assets? And how can Orthodox teachings help us navigate life’s biggest questions with grace and purpose?

Tune in for a thoughtful conversation at the crossroads of theology and practical life.

Follow Father Tim Prattas:

LinkedIn - https://www.linkedin.com/in/rev-fr-tim-prattas-95744934

Website - https://www.goeastvan.ca/

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 36 - Essential Steps to Prepare Your Estate and Ease the Burden on Your Heirs with Katrina Yaworsky

Thu, 05 Jun 2025 17:00:00 +0000

In this week's episode, Nicole and Greg are joined by estate lawyer Katrina Yaworsky from Lindsay Kenney LLP. Together, they explore the fundamentals of estate administration, including the roles and responsibilities of executors, the probate process, and the challenges of managing an estate. Katrina offers practical advice on choosing executors, updating wills, and planning for tax implications, especially with non-resident beneficiaries. The discussion emphasizes the importance of organization and proactive planning to ease the burden on loved ones and ensure a smooth estate administration process.

Follow Katrina Yaworsky:

Website - https://lklaw.ca/our-people/katrina-s-yaworsky/

LinkedIn - https://ca.linkedin.com/in/katrinaatlklaw

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 35 - How to Avoid Tax Surprises When Leaving or Returning to Canada with Areet Kaila

Thu, 29 May 2025 16:30:00 +0000

In this episode of Your Estate Matters, Nicole and Greg delve into the complexities of estate planning and tax matters, particularly for Canadians with cross-border interests. They are joined by Areet Kaila, a principal at Legacy Tax + Trust Lawyers, who shares her extensive experience in personal and corporate tax issues. Areet discusses her career journey, approaches to tax planning, and the intricacies of cross-border tax issues, including departure tax for Canadians. The episode provides valuable insights into navigating the tax landscape, emphasizing the importance of tailored strategies and proactive planning.

Follow Areet Kaila:

Website - https://www.legacylawyers.com/lawyer/areet-kaila/

LinkedIn - https://ca.linkedin.com/in/areet-kaila-74224648

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 34 - The Legal Implications of Spousal Status in Estate Matters with Aaron Pearl

Mon, 26 May 2025 18:00:00 +0000

In this week's episode, Nicole and Greg chat with Aaron Pearl, a seasoned estate litigator from Clark Wilson LLP, to unravel the complexities of defining a "spouse" under British Columbia law. The discussion delves into the nuances of spousal status in estate litigation, particularly in cases of intestacy and wills variation claims. Aaron explains the criteria for a marriage-like relationship, emphasizing the importance of understanding each unique case. Real-life examples illustrate the challenges of proving undue influence and the balance between individual autonomy and protection. The episode underscores the need for clear communication and professional legal advice in estate planning.

Follow Aaron Pearl:

Website - https://www.cwilson.com/people/aaron-pearl/

LinkedIn - https://ca.linkedin.com/in/aaron-pearl-3b875454

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 33 - Comprehensive Strategies for Securing Your Family’s Future with Rose Shawlee

Thu, 15 May 2025 13:00:00 +0000

In this week's episode, Nicole and Greg are joined by Rose Shawlee, a seasoned estate planning expert with 15 years of experience and a shareholder at Boughton Law. The discussion delves into the intricacies of estate planning, focusing on the strategic use of multiple wills, the implications of probate fees, and the challenges of managing estates. Rose shares insights from her professional journey into estate law, elaborating on the benefits and considerations of multiple wills and the legal ramifications of joint asset ownership, especially concerning adult and minor children. The conversation underscores the importance of collaboration among estate planning professionals and examines the impact of recent legislative changes on estate management.

Follow Rose Shawlee:

LinkedIn - https://ca.linkedin.com/in/rose-shawlee-b7564243

Website - https://www.boughtonlaw.com/people/rose-shawlee/

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 32 - Empowering Women in Wealth with Catherine Dorazio

Thu, 08 May 2025 13:00:00 +0000

In this week's episode of Your Estate Matters, Nicole and Greg engage with Catherine Dorazio, a seasoned wealth advisor from Connor Clark & Lunn Private Capital. They explore the growing influence of women in wealth management, noting that women are projected to control significant portions of wealth in the coming years. Catherine discusses the societal and economic impacts of this trend, the conservative investment approaches often adopted by women, and the challenges they face in financial literacy. The episode emphasizes the importance of education and professional support, encouraging women to take control of their financial futures.

Follow Catherine Dorazio:

Website - https://cclprivatecapital.com/our-people/wealth-advisors/catherine-dorazio

LinkedIn - https://www.linkedin.com/in/catherinedorazio/?originalSubdomain=ca

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 31 - The Best Strategies for Young Canadians to Build Wealth with Madison Mailey

Thu, 01 May 2025 13:00:00 +0000

In this week's episode, Nicole and Greg speak with Madison Mailey, a wealth and insurance advisor at Scotia McLeod. Madison, an Olympic gold medalist in rowing, shares her journey into wealth management, emphasizing the importance of financial literacy and proactive planning. The discussion covers strategies for young Canadians to build wealth, including the use of financial tools like the First Home Savings Account and the Home Buyers Plan. Madison also addresses the impact of technology and social media on financial decisions, advocating for informed, professional advice over online trends.

Follow Madison Mailey:

Website - https://madisonmailey.com/

Scotia McLeod - https://maileyrogers.com/contact/madison-mailey/

Instagram - https://www.instagram.com/madisonmailey/?hl=en

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 30 - Understanding Family Dynamics in Estate Planning with Julia Chung

Thu, 24 Apr 2025 13:00:00 +0000

In this week's episode, Nicole and Greg chat with Julia Chung, CEO of Spring Planning, to explore the intricacies of estate planning and wealth transfer. Julia shares her expertise on the evolving dynamics of wealth transfer, emphasizing the importance of open family communication and recognizing various forms of wealth beyond financial assets. The discussion highlights the challenges faced by blended families and the common "shirt sleeves to shirt sleeves" phenomenon. Julia advocates for a multidisciplinary approach, involving financial planners, lawyers, and mental health experts, to create a holistic and harmonious estate planning process.

Follow Julia Chung:

Website - https://springplans.ca/

LinkedIn - https://www.linkedin.com/in/juliaychung/?originalSubdomain=ca

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 29 - Real Estate Insights from a Canadian Urban Planning Expert with Tegan Smith

Thu, 17 Apr 2025 13:00:00 +0000

This week, Nicole and Greg engage with Tegan Smith, CEO of Channel Consulting and founder of Uplift Fund. Tegan shares her 26 years of expertise in urban planning and real estate development, focusing on real estate investing as a key strategy for family wealth-building. She discusses the challenges in the Canadian real estate market, particularly in British Columbia, and highlights investment opportunities like transit-oriented development and student housing. The episode also emphasizes the importance of involving younger generations in wealth-building and offers practical advice for navigating real estate complexities.

Follow Tegan Smith:

Website - https://channelconsulting.ca/

LinkedIn - https://www.linkedin.com/in/tegansmith1/?originalSubdomain=ca

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 28 - Essential Estate Planning for Business Owners with Steve Parr

Thu, 10 Apr 2025 13:00:00 +0000

This week, Nicole and Greg welcome Steve Parr, a lawyer and founder of Parr Business Law, to discuss estate planning for business owners. Steve emphasizes the importance of addressing succession planning, incapacity, and death to ensure business longevity. He outlines key components of a succession plan, including identifying successors, training, business valuation, and essential legal documentation. The conversation also covers various exit strategies and tax planning tools like estate freezes and life insurance. Steve encourages early planning and collaboration with knowledgeable advisors to protect assets and ensure a smooth business transition.

Follow Steve Parr:

https://www.parrbusinesslaw.com/

LinkedIn - https://ca.linkedin.com/in/steveaparr

Youtube - https://www.youtube.com/channel/UCxv_AFussiH1f4-TnN7SJRQ

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 27 - How Financial Therapy Can Transform Your Relationship with Money with Natasha Knox

Mon, 07 Apr 2025 23:35:19 +0000

This week on Your Estate Matters, Nicole and Greg chat with Natasha Knox, a financial therapist and principal of Alaphia Financial Wellness. They explore the unique field of financial therapy, which combines financial planning with therapeutic techniques to address the emotional aspects of money management. Natasha shares her journey into financial therapy, the impact of upbringing on financial behaviours, and common money beliefs. She offers strategies for couples to improve financial communication and discusses teaching children healthy money attitudes. The episode aims to help listeners enhance their financial well-being and protect their legacies.

Follow Natasha Knox:

Website - https://www.alaphia.ca/

LinkedIn - https://www.linkedin.com/in/natashaknoxbc/

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 26 - Why You Should Choose an Independent Trust Company for Your Estate Planning with Sarah McGrath

Thu, 27 Mar 2025 13:00:00 +0000

In this episode of Your Estate Matters, Nicole and Greg, alongside guest Sarah McGrath from Heritage Trust, explore the benefits of professional executor and trustee services offered by independent trust companies. Sarah, with over 15 years of financial sector experience, explains the advantages of choosing a professional trust company over family members or friends. They discuss the types of trusts managed by Heritage Trust, the qualities of a good trustee, and the importance of fiduciary duties. The episode aims to help listeners make informed decisions about their estate planning needs.

Mentioned in this episode:

Disability Planning - https://disability-planning.ca/

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 25 - Estate Planning for Canadians with U.S. Assets with Cheyenne Reese

Mon, 24 Mar 2025 22:30:00 +0000

In today's episode, Nicole and Greg chat with Cheyenne Reese, a partner at Legacy Tax and Trust Lawyers, to explore the intricacies of cross-border estate planning between Canada and the United States. Cheyenne sheds light on the significant differences in tax laws, the challenges of managing assets across borders, and the implications for U.S. citizens or green card holders living in Canada. The discussion covers practical strategies for expatriation, managing vacation properties, and the importance of professional guidance to navigate these complex issues effectively.

Follow Cheyenne Reese:

Website - https://www.legacylawyers.com/lawyer/cheyenne-reese/

LinkedIn - https://ca.linkedin.com/in/cheyenne-reese-18a21124

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 24 - Understanding the Needs of Ultra High Net Worth Families with Jonathan Beasley

Thu, 13 Mar 2025 13:00:00 +0000

In this episode of Your Estate Matters, Greg and Nicole chat with Jonathan Beasley, a high net worth relationship manager at Citibank Canada. The trio discuss the intricacies of wealth management for ultra high net worth individuals and families. They explore the definition of ultra high net worth, the role of family offices, the specific needs and goals of wealthy clients, and the landscape of ultra high net worth individuals in Canada. The conversation also delves into cross-border wealth management, Citibank's global services, emerging trends in wealth management, and the importance of alternative investments and hedge funds.

Follow Jonathan Beasley:

LinkedIn - https://ca.linkedin.com/in/jonathan-beasley-89650930

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 23 - How Discussing Death Can Enrich Family Relationships with Alyson Jones

Fri, 07 Mar 2025 19:00:00 +0000

In this week's episode, Nicole and Greg engage in a compelling discussion with Alyson Jones, a renowned therapist, educator, and bestselling author. Alyson shares her extensive experience in therapy, focusing on family dynamics, separation, divorce, grief, and legacy planning. The conversation highlights the importance of building resilient families, navigating grief, and fostering open discussions about death and financial matters. Alyson emphasizes transparency in estate planning to mitigate family conflicts and underscores the value of therapy in managing life's significant transitions.

Follow Alyson Jones:

Book - https://www.amazon.ca/New-Philosophy-Exceptional-Living-R/dp/1771410159

Website - https://www.alysonjones.ca/

LinkedIn - https://ca.linkedin.com/company/alyson-jones-&-associates

Facebook - https://www.facebook.com/AlysonJonesAssociates/

Instagram - https://www.instagram.com/alysonjonesassociates/

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 22 - Exploring Elder Care Solutions with Stephanie Chan

Thu, 20 Feb 2025 14:00:00 +0000

In this week's episode, Nicole Garton and Greg are joined by Stephanie Chan, Founder and CEO of myCareBase Solutions and Home to Home. The discussion centers on elder care solutions for seniors, emphasizing the importance of proactive planning. Stephanie shares insights into the aging population in Canada, the current healthcare and housing options, and the challenges families face. She offers practical advice on making informed decisions, including early conversations about care needs, financial planning, and understanding available resources. The episode underscores the necessity of early planning to enhance seniors' quality of life.

Follow Stephanie:

myCareBase Website - https://mycarebase.com/

Home to Home Website - https://home-to-home.ca/

LinkedIn - https://ca.linkedin.com/in/stephanie-chan

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 21 - Understanding the Legal Framework of Estate Disputes with Scott Somers

Fri, 14 Feb 2025 18:00:00 +0000

In this episode of Your Estate Matters, Nicole and Greg chat with estate litigator Scott Somers from Lindsay Kenney LLP. The trio delve into the complexities of estate litigation in British Columbia and Scott shares his journey into estate law and discusses the challenges of contesting wills, the roles of executors and beneficiaries, and the intersection of family and estate law.

The episode emphasizes the importance of effective estate planning to avoid costly and emotionally taxing disputes. Listeners gain valuable insights into the legal landscape of estate matters and the significance of proactive measures to protect their legacies.

Follow Scott Somers:

Website - https://lklaw.ca/our-people/scott-somers/

LinkedIn - https://ca.linkedin.com/in/scott-somers-37ba20240

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 20 - The Best Strategies for Minimizing Estate Taxes and Maximizing Your Legacy with Parveen Karsan

Tue, 11 Feb 2025 23:00:00 +0000

In this episode of Your Estate Matters, hosts Nicole and Greg sit down with expert tax lawyer Parveen Karsan to explore the world of estate tax planning.

Join the conversation as they dive into key topics like capital gains tax on assets after death, probate fees, and why getting early tax advice is essential. Parveen shares invaluable strategies to minimize taxes and highlights the importance of personalized tax advice. Whether you're a business owner or managing a complex estate, this episode is packed with insights to help you navigate a smooth, efficient estate transition.

Please note that this episode was recorded some time ago, and some of the information shared may no longer be up-to-date. Always consult with a current professional for the latest advice and guidance.

Follow Parveen Karsan:

Website - https://singleton.com/people/parveen-karsan/

LinkedIn - https://www.linkedin.com/in/parveen-karsan-680aa430/

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://deathsapprentice.ca/shop/p/decluttering-challenge

Episode 19 - Transforming Fear into Empowerment in End-of-Life Planning with Christa Ovenell

Thu, 30 Jan 2025 14:00:00 +0000

In this week's episode of Your Estate Matters, Nicole and Greg engage with Christa Ovenell, a licensed funeral director and end-of-life doula. Christa, founder of Death's Apprentice Education and Planning, shares her journey into death care, emphasizing the importance of open conversations about death, advanced care planning, and legacy preparation. The discussion covers the roles of funeral directors and end-of-life doulas, societal aversion to discussing death, and the necessity of early planning to avoid overwhelming loved ones. Listeners are encouraged to take proactive steps, however small, to ease the burden on their families.

Check out her Decluttering with Heart Challenge:

Follow Christa Ovenell:

Website - https://deathsapprentice.ca/

Instagram - https://www.instagram.com/deathsapprentice.ca/?hl=en

LinkedIn - https://ca.linkedin.com/in/christa-ovenell

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 18 - The Best Strategies for Multigenerational Wealth Planning with Shelly Appleton-Benko

Fri, 24 Jan 2025 00:00:00 +0000

In this week's episode of Your Estate Matters, Nicole and Greg welcome Shelly Appleton-Benko, Vice President, Director and Portfolio Manager at Odlum Brown. The discussion covers wealth management, multigenerational wealth planning, and the importance of legacy. Shelly shares her career journey, community involvement, and methods for teaching her children financial responsibility. She emphasizes patience and a long-term perspective in wealth management, and the significance of fostering financial literacy within families. The episode concludes with insights on proactive planning and the value of leaving a meaningful legacy beyond financial assets.

Follow Shelly Appleton-Benko:

LinkedIn - https://ca.linkedin.com/in/shellyappletonbenko

Website - https://www.odlumbrown.com/s/shelly-appleton-benko/about

Podcast - https://odlumbrown.com/s/shelly-appleton-benko/podcast

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 17 - Understanding the Complexities of Wealth Transition with Cindy Radu

Fri, 17 Jan 2025 23:30:00 +0000

In this week's episode, Nicole and Greg welcome Cindy Radu, a family wealth transition advisor, to discuss the intricate journey of wealth transition and the importance of understanding wealth holistically. Cindy shares her unique career path and emphasizes the significance of governance structures, family dynamics, and the multifaceted nature of wealth, which includes social, human, intellectual, and foundational aspects. She provides insights into effective governance, the role of family charters, and the need for open communication and education to preserve family legacies across generations.

Follow Cindy Radu:

Website - https://www.cindyradu.ca/

LinkedIn - https://ca.linkedin.com/in/raducindy

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 16 - Navigating the Emotional Labyrinth of Estate Settlements witn Susan Mendel

Fri, 10 Jan 2025 14:00:00 +0000

In this week's episode Nicole and Greg discuss estate settlement services with guest Susan Mendel, co-owner of True North Executor Solutions. Susan shares her personal experiences with grief, which have shaped her empathetic approach to estate management. The episode covers the complexities of managing physical assets, dealing with hoarding, navigating family dynamics, and the importance of thorough record-keeping. Susan also offers practical advice for families preparing for estate management and highlights the growing demand for professional estate settlement services.

Follow Susan Mendel:

Website - https://www.truenorthexecutorsolutions.ca/

LinkedIn - https://ca.linkedin.com/in/susan-mendel-9198641b6

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 15 - How Professional Financial Advice Can Transform Your Estate Planning with Brian Brotherston

Mon, 23 Dec 2024 20:30:00 +0000

In this week's episode, Nicole and Greg discuss the importance of financial planning and estate management with Brian Brotherston, an experienced financial planner and owner of Watershed Financial Solutions. Brian shares insights on how tailored financial advice can help Canadians navigate complex financial decisions, emphasizing the role of insurance, segregated funds, and trusts in effective estate planning. The conversation covers the benefits of professional guidance, the significance of starting early, and the importance of preserving wealth for future generations. The episode concludes with practical tips and resources for enhancing financial literacy and making informed financial decisions.

Follow Brian Brotherston:

Website - https://watershedfinancial.ca/

LinkedIn - https://ca.linkedin.com/in/bbrotherston

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 14 - Understanding Family Office Essentials for Lasting Success with Steve Ivacko

Fri, 13 Dec 2024 18:00:00 +0000

In this week's episode, Nicole and Greg discuss family offices with guest Steve Ivacko, a partner at MNP Family Office Services. Steve, with nearly 20 years of experience, explains the structure and benefits of single-family and multi-family offices. He highlights the services offered, such as transition, mapping, and administrative support, and clarifies that family offices are not just for the ultra-wealthy but for any family with complex financial and personal needs. The episode also covers the costs, trends, and future of family offices, emphasizing the importance of both technical and emotional support.

Follow Steve Ivacko:

Website - https://www.mnp.ca/en

LinkedIn - https://www.linkedin.com/in/steveivacko/?originalSubdomain=ca

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 13 - Navigating Tax Implications of Estate Planning with Rebecca Cynader

Fri, 06 Dec 2024 19:30:22 +0000

In this week's episode, co-hosts Nicole and Greg are joined by Rebecca Cynader, a tax lawyer and partner at Scion Law LLP. The discussion delves into the complexities of estate planning under Canadian tax law, focusing on the tax implications of death, including deemed disposition, capital gains, and spousal rollovers. Rebecca explains strategies to mitigate taxes, such as postmortem planning, multiple wills, and the pipeline strategy. The episode emphasizes the importance of proactive estate planning and collaboration among advisors to protect families, assets, and legacies.

Follow Rebecca Cynader:

Scion Law LLP - https://www.scionlaw.com/

LinkedIn - https://ca.linkedin.com/in/rebecca-cynader

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 12 - Understanding the Role of Notaries with Lilián Cazacu

Sat, 30 Nov 2024 00:00:00 +0000

In this episode, Nicole and Greg chat with Lilián Cazacu, an award-winning notary public and entrepreneur in the Fraser Valley. Lilián shares his journey from being a trained lawyer in Europe to becoming a notary public in Canada, discussing the challenges faced by immigrants and the importance of community involvement. The episode explores the differences between notaries and lawyers, the services notaries provide, and the significance of professional help in estate planning. Lilián also emphasizes the need for better support for skilled immigrants and recent regulatory changes improving access to justice.

Follow Lilián Cazacu:

Website - https://www.lcnotary.ca/

LinkedIn - https://ca.linkedin.com/in/lili%C3%A1n-cazacu-b1267a4

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 11 - From Control to Collaboration: Mastering Family Business Succession with David Diebolt

Thu, 21 Nov 2024 18:00:00 +0000

In today's episode, Nicole and Greg discuss succession planning for family businesses with David Diebolt, a partner at Manning Elliott LLP. David shares his journey into accounting and emphasizes the importance of early and strategic planning for business transitions. The conversation highlights the significant role of SMEs in Canada's economy and the challenges faced by business owners, such as emotional attachment and poor communication. Diebold outlines best practices, including starting early, engaging professional advisors, and implementing governance structures, and discusses tax mitigation strategies to ensure smooth business transitions.

Follow David Diebolt:

LinkedIn - https://ca.linkedin.com/in/davediebolt

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 10 - Unlocking the True Value of Family Legacy with Grant Conroy

Thu, 14 Nov 2024 18:30:00 +0000

In this episode of Your Estate Matters, Nicole and Greg engage with Grant Conroy, a portfolio manager at Genus Capital Management. The discussion centers on family wealth, legacy building, and holistic wealth stewardship. Grant shares his journey from London's trading floors to wealth management, influenced by personal changes and family connections. He emphasizes viewing wealth beyond financial capital, incorporating intellectual, social, spiritual, and human aspects. Key topics include the responsibilities of inheritors, the importance of communication in succession planning, the impact of wealth transfer in Canada, and the role of empathy and gratitude in managing wealth.

Follow Grant:

Genus Capital Management - https://genuscap.com/

LinkedIn - https://ca.linkedin.com/in/grantconroyfamilywealthadvisorgenuscapital

Follow Heritage Trust:

Instagram - https://www.instagram.com/heritagetrustbc/

https://www.estateclub.ca/estate-planning-checklist

Get the Essential Estate Planning Checklist for Canadians:

Episode 09 - Don’t Let Your Crypto Go to the Grave: Estate Planning for Digital Assets with Geoff Costeloe

Thu, 07 Nov 2024 18:00:00 +0000

In this episode, Nicole and Greg discuss digital asset planning with Geoff Costello, a Vancouver-based lawyer and digital asset expert. The conversation covers the nature of digital assets, focusing on cryptocurrencies and NFTs. Geoff explains the decentralized nature of cryptocurrencies, the role of cryptography, and the concept of mining. He highlights challenges in estate administration, the evolving legal landscape, and offers recommendations for ensuring families can access digital assets in case of incapacity or death. The episode emphasizes the importance of proper planning and organization for digital assets in estate planning.

Follow Geoff:

X - https://x.com/gcosteloe?lang=en

LinkedIn - https://www.linkedin.com/in/geoffcosteloe/?originalSubdomain=ca

Follow Heritage Trust:

Heritage Trust Website:

https://www.estateclub.ca/estate-planning-checklist

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Episode 08 - From Disputes to Decisions: The Role of Business Valuation in Estates with Kiu Ghanavizchian

Thu, 31 Oct 2024 13:00:00 +0000

In this episode of Your Estate Matters, Greg and Nicole discuss the critical role of business valuation in estate planning with Chartered Business Valuator Kiu Ghanavizchian. They explore the importance of accurate valuations, the challenges faced in the process, and creative solutions for disputes. The conversation also touches on succession planning, shareholder agreements, and interesting valuation cases, providing valuable insights for listeners involved in estate matters.

Kiu is a Partner at Partner at Blair Mackay Mynett Valuations Inc.

Follow Kiu Ghanavizchian:

https://ca.linkedin.com/in/kiu-ghanavizchian-a7951326

Follow Blair Mackay Mynett Valuations Inc:

https://www.bmmvaluations.com/

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Heritage Trust Website:

https://www.estateclub.ca/estate-planning-checklist

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Episode 07 - The Crucial Role of Financial Planners with Sandy Abley

Thu, 24 Oct 2024 22:00:00 +0000

In this episode of Your Estate Matters, Greg and Nicole discuss the importance of financial planning in the context of estate planning with Sandy Abley, a certified financial planner and estate lawyer at Onyx Law Group. The conversation covers various aspects of estate planning, including the role of financial planners, building a team of advisors, understanding financial designations, and the significance of life events in financial planning. Sandy emphasizes the importance of proactive financial education and the benefits of gifting during one's lifetime to witness the impact on beneficiaries.

The Wealth Doc Website:

https://thewealthdoc.ca/

Onyx Law Group:

https://onyxlaw.ca/

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Heritage Trust Website:

https://www.estateclub.ca/estate-planning-checklist

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Episode 06: The Executor's Role with Jeffrey Bichard

Fri, 18 Oct 2024 18:00:00 +0000

In this episode of Your Estate Matters, Nicole and Greg discuss the intricacies of estate administration with expert Jeff Bichard from Scion Law LLP. The conversation covers the role and responsibilities of an executor, the probate process, and the importance of proper estate planning. Listeners gain insights into the duties of executors, including managing assets, paying debts, and ensuring fair distribution to beneficiaries. The episode also addresses the complexities of funeral arrangements, executor fees, and the implications of dying without a will, providing valuable resources for those navigating estate matters.

Scion Law LLP:

https://www.scionlaw.com/

Follow Jeffrey Bichard:

https://ca.linkedin.com/in/jeffrey-bichard-165103b8

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Heritage Trust Website:

https://www.estateclub.ca/estate-planning-checklist

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Episode 05: Building Your Estate Planning Team with Navrita Brar

Thu, 10 Oct 2024 13:00:00 +0000

In this episode of Your Estate Matters, Nicole and Greg discuss the importance of estate planning with lawyer Navrita Brar. They explore the demographics of estate planning in Canada, the essential documents needed, complexities such as blended families, and the importance of building a reliable team of advisors. The conversation also covers the costs associated with estate planning and the potential financial and emotional toll of not having a plan in place. The episode emphasizes the need for open family discussions to ensure a smooth estate planning process.

Lindsay Kenney LLP Website:

https://lklaw.ca/

Navrita Brar LinkedIn:

https://www.linkedin.com/in/navrita-brar/

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Heritage Trust Website:

https://www.estateclub.ca/estate-planning-checklist

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Episode 04: War Stories From the Field

Thu, 03 Oct 2024 13:00:00 +0000

In this episode of Your Estate Matters, Nicole and Greg delve into the complexities of estate administration, sharing intriguing and sometimes bizarre scenarios they've encountered. They discuss the process of exhuming bodies for DNA testing in cases of intestacy, unusual funeral requests, family conflicts that arise during estate settlements, and the critical importance of proper estate planning to avoid future disputes and complications. The conversation emphasizes the need for individuals to take proactive steps in planning their estates to protect their families and legacies.

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Heritage Trust Website:

https://www.estateclub.ca/estate-planning-checklist

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Episode 03: The Pros and Cons of Professional Executors

Thu, 26 Sep 2024 13:00:00 +0000

In this episode of Your Estate Matters, Greg and Nicole discuss the importance of professional executors in estate planning. They explore various scenarios where a professional executor may be necessary, the benefits of hiring one, such as professionalism and neutrality, as well as the potential downsides. The conversation emphasizes the need for families to weigh the pros and cons of appointing a professional executor based on their unique circumstances.

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Heritage Trust Website:

https://www.estateclub.ca/estate-planning-checklist

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Episode 02: Selling an Estate Property with Allison Gorwill

Thu, 19 Sep 2024 13:00:00 +0000

In this episode, Nicole and Greg discuss estate property sales with Allison Gorwill, a realtor and mortgage broker from Sotheby's International Realty Canada. The conversation covers selecting a knowledgeable realtor, understanding the probate process, and the executor's responsibilities in preparing an estate property for sale. Allison emphasizes the importance of necessary documentation, property assessments, and staging. The episode provides valuable insights into the costs and steps involved in selling an estate property, aiming to guide listeners through the complexities of the process.

Follow Allison

https://sothebysrealty.ca/en/allison-gorwill/

https://allisongorwill.ca/

https://ca.linkedin.com/in/agorwill

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Heritage Trust Website:

https://www.estateclub.ca/estate-planning-checklist

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Episode 01: What to do with Inherited Clutter?

Thu, 12 Sep 2024 16:15:00 +0000

Our guest is Linda Chu, a seasoned professional organizer and move manager with a passion for bringing order to chaos. With over two decades of experience in the industry, Linda has honed her skills in decluttering, organizing, and facilitating smooth relocations for her clients. Her commitment to creating functional, harmonious spaces stems from her belief that a well-organized environment fosters peace of mind and enhances overall well-being.

Linda is the founder of the BC Chapter of Professional Organizers in Canada and the founder of her company Out of Chaos. Out of Chaos offers comprehensive professional organizing services for home and office, plus training programs, workshops and tools for more organized living and working.

Follow Linda

https://www.instagram.com/getoutofchaos/

Out of Chaos Website:

https://www.outofchaos.ca/

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Heritage Trust Website: