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A Tool To Pass Wealth Down Generations
Published in August 2020
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Successful Canadians focused on generational wealth transfer are seeking a tax-efficient way to do so, with minimal risk.
The strategy is known as a ‘cascading’ or ‘waterfall’ insurance strategy, families typically in the top tax bracket can retain control of their assets, leave a sizable legacy to their children, minimize the risk of will contestability, and maintain privacy over their financial affairs.
The 
​

By th
Putting 

The
The Financial 
Using their policies as additional collateral for their existing lines of credit, Andy & Raj were able to meet the increased equity obligations of the bank. Their loan-to-value ratios came into line with the new requirements of the stressed financial world and the brothers did not have to take further action or collapse their policies. 
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The 
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Photo by Yasmin Dangor on Unsplash
A Little 
Based on an article by Jeff Buckstein of the Financial Post called A Tool To Pass Down Wealth Through Generations.

Changes have been made to offer our perspective and advice focus as experienced insurance advisors in British Columbia.

​
Don Anderson
@ Legato

Protect your wealth and your family.
All articles are​ listed here.

Copyright 2025 - Legato Wealth Management Inc. 

  • Home
  • About
    • Mission & Principles
    • Our People
    • Strategic Relationships
    • Community
    • Learning & Connecting
    • Contact
    • Meeting Legato >
      • Pre-Application Review
      • Application Process
      • Meeting Checklists
      • Parking
    • Premium Deposits
  • Advice
    • Our Process
    • Protect & Prepare
    • Investing in Life Insurance
    • Pro Plan
    • Philanthropy >
      • My PAR Gift
      • What Is My PAR Gift
      • My PAR Gift - FAQ
    • Policy Search
    • Will Search
  • Articles
    • Be The One
    • Part 1: The Estate Freeze
    • Part 2: Investing For The Estate Freeze
    • Unlocking Intergenerational Succession
    • Freeze, Fund, & Feature
    • Tax Apportionment in Estate Planning
    • Beneficiary Designations and Resulting Trusts Revisited
    • Part 1: Legacy Gifting Private Company Shares
    • Part 2: Legacy Gifting Private Company Shares
    • Reduce Estate Shrinkage
    • Take Time For Your Legacy
    • Take Five
    • Look Across
    • Lest We Forget
    • Retirement Income