by Denis Bugeja | May 1, 2025 | blog, Estate Planning, Family, financial advice, individuals, Insurance, life insurance
When people think about life insurance, they often picture it as something only needed to protect young families or pay off a mortgage. But what might surprise you is how many wealthy individuals continue to carry large life insurance policies. In fact, high-net-worth...
by Denis Bugeja | Apr 1, 2025 | blog, Estate Planning, Family, individuals, Insurance, life insurance
You may have heard of estate freezes, but what are they, and should you consider one? An estate freeze is a tax-planning strategy that allows business owners to shift the future growth of their company to the next generation while capping their tax liability on a sale...
by Denis Bugeja | Jan 6, 2025 | blog, Estate Planning, Family, tax
Planning an estate goes beyond drafting a will. Ensure your wishes are honoured and minimize the financial burden on your family by organizing your legacy, with 5 simple steps. Keep Your Will Updated A will outlines your wishes for your asset distribution. Review and...
by Denis Bugeja | Dec 3, 2024 | blog, Estate Planning, financial advice, tax
Did you know that after years of working hard to provide for your family, without proper planning you could end up leaving them with a tax bill? Good news! There are ways to eliminate or defer these tax liabilities to protect your estate for future generations. To...
by Denis Bugeja | Aug 6, 2024 | blog, Estate Planning, Family, financial advice, financial planning
Are you a parent or grandparent interested in transferring wealth to your kids or grandkids in a tax-efficient way without compromising your own financial security? Cascading life insurance could be for you. This approach not only leverages the cost-effectiveness of...
by Denis Bugeja | Jul 1, 2024 | blog, critical illness insurance, disability, Disability Insurance, Estate Planning, Family, Insurance, life insurance, long term care
The Sandwich Generation was a term coined by Dorothy Miller in 1981 to describe adult children who were “sandwiched” between their aging parents and their own maturing children. There is even a term for those of us who are in our 50’s or 60’s with elderly parents,...
