You’ve built something worth protecting—not just for today, but for the generations that follow. Now the focus shifts from accumulation to wealth transfer—a process that requires more than just legal paperwork. It’s about ensuring your family understands what they’re inheriting, how to manage it, and what it represents.
At Afshar & Machaalani Group Private Wealth Management, we build wealth transfer strategies that reflect not only your financial success but your values, vision, and long-term goals. From business shares and investment portfolios to family properties and charitable giving, we ensure every asset moves with purpose.
The great wealth transfer is here—are you ready?
In the coming decades, trillions of dollars will pass from one generation to the next in Canada. But a shift of this scale isn’t automatic—and it certainly isn’t simple. Poorly planned transfers can trigger heavy tax bills, create tension among heirs, or even dismantle the very legacy you worked so hard to build.
Our clients aren’t just looking to pass on wealth—they want to do it wisely. That’s where our experience comes in. We specialize in wealth transfer strategies for high-net-worth families, business owners, and professionals who want their financial story to continue with clarity and strength.
We plan for generations, not quarters
Most financial firms focus on performance metrics or annual returns. At Afshar & Machaalani Group, we focus on what truly matters—how your wealth shapes the lives of your children, grandchildren, and beyond. Our wealth transfer planning is built on the belief that preserving wealth means more than just protecting dollars—it means protecting purpose.
We use tax-smart strategies, insurance solutions, and multi-generational modelling to ensure your legacy isn’t just transferred—it’s preserved, understood, and sustainable. We’ve helped clients save hundreds of thousands (even millions) by planning carefully, early, and strategically.
A living strategy that adapts with you
Wills are static. Life is not. That’s why we go far beyond the basics, creating a living, evolving wealth transfer plan that reflects where you are now—and where you’re going. We review and adjust your plan regularly to reflect life changes like:
- New grandchildren
- Real estate purchases or sales
- Charitable priorities
- Family dynamics or health changes
- New business ventures or liquidity events
We anticipate, adjust, and make sure your plan grows alongside your family.
Trusts, gifts, and insurance: tools that protect and empower
Your plan may include trusts to stagger distributions, protect vulnerable heirs, or maintain control over assets. It might include tax-exempt life insurance to fund a future liability or provide liquidity at death. It could also involve lifetime gifting to reduce estate size while helping children or grandchildren now.
Every piece is intentional. Every move is designed to balance tax efficiency with personal values.
Wealth transfer for business owners: preserving more than capital
If your wealth is tied up in a business, the stakes are even higher. A poorly executed transition can create tax shocks, damage operations, or leave family members unsure of their roles.
We offer:
- Business succession planning tied directly into your personal wealth strategy
- Tax planning for share sales, capital gains exemptions, and reorganizations
- Insurance solutions to protect cash flow and cover taxes
- Support for family-run businesses or third-party sales
No matter the path, our goal is the same: protect what you’ve built and pass it on smoothly.