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LEGATO WEALTH MANAGEMENT
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Legato 3
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Published in December 2018 by Don Anderson
As Canadians, we buy stocks and invest in real estate knowing that the capital gains will be taxed at a lower rate than income. Loans and mortgages can be acquired against that real estate to make our money go further now or provide funds in the future. Particular to our country, winnings from registered lotteries are not subject to taxation whether they come from the school raffle or Lotto 649.

What if another legitimate investment opportunity exists in Canada that offers some of these benefits to the taxpayer so they can be in a better financial position down the road, especially for retirement? 

At Legato, we took this question to heart. We worked closely with our insurance partners and professional tax accountants, applying our perspective of being small business owners and entrepreneurs. The result is an investment and retirement program called Legato 3.

Legato 3 meets three combined goals; g
enerate more retirement income than a conventional investment, insure the life of a key person(s) and fund a legacy gift. By utilizing the tax-advantages of the insurance industry, Legato 3 achieves these goals without costing the investor more than the conventional investment alone. In fact, there are additional benefits beyond those mentioned here. 

Being a life insurance product, a Legato 3 plan remains outside of an estate and will not be delayed by probate. The details remain confidential to the owner and beneficiaries. Each plan complies with the taxation rules of the Canadian insurance industry put in place by the Canadian Revenue Agency (CRA). 

See how Legato 3 fits into your investment and retirement plans. We think you'll find the exploration worthwhile. 
 
Don Anderson
Legato


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