Pereux Financial

Pereux Financial

Estate Planning Solutions

estate solutions

Estate Planning is tax-effectively organizing one’s assets, according to their wishes, for final distribution in order to achieve such things as family harmony, estate equalization, wealth preservation, succession planning and legacy creation. This should be done with the least amount of effort and tax, both immediately following death and for as long as possible.

The Role of Life Insurance in Estate Planning

Estate Planning is organizing ones affairs, in a tax effective manner, for their final distribution. Life insurance is a tax effective final distribution product.

Life insurance is used to provide tax-free liquid cash at death to pay taxes, care for dependents, equalize inheritances and redeem shares, just to name a few. To ensure that you have a lump sum of cash at the time of death you need the type of insurance that doesn't expire before you do – Permanent Insurance.

To protect your corporate assets, we also recommend creating a Capital Dividend Account at time of death via life insurance, which allows future generations to remove monies tax-free or to create a shareholder’s loan for future withdrawals.

Estate Planning Strategies

We employ insurance strategies to eliminate or reduce tax.  For business needs we use life insurance proceeds at a time when the business will need it most – ie: at the time of losing a key person or shareholder.  

We pride ourselves in our ability to listen, evaluate and apply our knowledge in order to enact a plan that meets our clients needs and exceeds their expectations.

Estate Planning Tools

  • Will

  • Power of Attorney

  • Health Directives

  • Trusts

  • Corporate Reorganization or Restructuring

  • Buy-Sell Agreements, Unanimous Shareholder Agreements (USAs), Pre-Nuptial & Post-Nuptial Agreements etc.

  • Life Insurance/Annuities 



The Various Roles in an Estate Planning Team

tax estate team