You’ve built something substantial—wealth that extends beyond numbers, carrying your values, hard work, and vision. The question now? How to transition it without unnecessary taxation, mismanagement, or family disputes unraveling everything you’ve worked for.
At Kalinka Group, we specialize in high-net-worth and ultra-high-net-worth wealth transfer strategies, ensuring seamless, tax-efficient transitions that secure your family’s financial future while preserving the integrity of your legacy.
The great wealth shift: are you ready?
Canada is experiencing an unprecedented transfer of wealth, with trillions of dollars set to transition from one generation to the next. But without careful planning, much of that wealth can erode—through excessive taxation, legal inefficiencies, and unintended conflicts.
We design wealth transfer strategies that anticipate challenges before they arise, ensuring your assets transition smoothly, efficiently, and in alignment with your vision.
Beyond a will: structuring a legacy that lasts
A will is a piece of the puzzle—but true wealth transfer requires a living, adaptable strategy that considers legal, financial, and family dynamics. Our expertise includes:
- Tax-efficient estate planning: Structuring assets to minimize tax liabilities while maintaining full control over distribution.
- Trusts & wealth protection: Custom trust solutions that provide structured asset distribution, creditor protection, and intergenerational wealth preservation.
- Insurance planning for liquidity: Ensuring heirs have the necessary funds to cover estate taxes and other financial obligations without forced asset sales.
Business succession: protecting multi-generational wealth
For many families, wealth isn’t just money—it’s a business. Whether transitioning ownership to family members, employees, or external buyers, we ensure a seamless transfer that maintains financial stability while maximizing value.
- Strategic succession planning: Identifying the right successor and equipping them for long-term success.
- Tax optimization for business sales: Minimizing capital gains and corporate tax implications through structured exit strategies.
- Operational continuity: Ensuring stability through financial, legal, and strategic planning during ownership transitions.
Preparing heirs for wealth
A successful wealth transfer isn’t just about numbers—it’s about readiness. Many inheritances fail within a generation due to lack of preparation. We provide tailored education, financial literacy, and structured transition plans to empower heirs with the tools they need to sustain and grow the wealth they receive.
Addressing financial friction points
Money can pull families closer—or push them apart. We’ve seen spouses clash over spending habits, parents struggle with the weight of supporting adult children, and siblings quietly disagree over family assets. These conversations can be tough, but you don’t have to navigate them alone. At Kalinka Group, we create a safe, neutral space where emotions can be acknowledged without judgement. We help turn friction points into meaningful conversations—where compromise feels fair, and everyone walks away feeling heard. By guiding these discussions with empathy and experience, we help families find common ground and build financial plans that reflect shared priorities.