The Frank Cover Family Wealth Transfer Review
Make Sure What You've Built
Actually Reaches Your Family
A free, guided review of what you own, what you want to leave behind, and where taxes, liquidity gaps, or family conflict could get in the way. Gavin identifies the insurance-relevant solutions — and brings in his team for everything else.
What the Review Is
A Plain-Language Map of Your Estate
The Frank Cover Family Wealth Transfer Review starts with three questions: What do you actually own? Who do you want it to go to? And what could get in the way of that happening cleanly — taxes, a lack of cash to pay those taxes, or disagreements between the people you're leaving things to?
It's not a legal document and it's not a tax return. It's a conversation, backed by a structured intake, that surfaces the insurance-relevant gaps in your plan — the places where a policy, a beneficiary designation, or a corporate structure decision could make a meaningful difference to what your family actually receives.
For business owners, that often means RRSP/RRIF exposure, real estate you want to keep in the family, or retained earnings sitting inside a corporation. For everyone, it means making sure the plan you think you have actually works the way you think it does.
What Gavin Does
Gavin identifies insurance and insurance-adjacent financial-product solutions inside your estate picture — a life insurance policy sized to cover a future tax bill, corporate-owned insurance that transfers wealth tax-efficiently, or an equalization strategy that keeps things fair between heirs.
He compares those solutions across 20+ carriers, with no bank or carrier affiliation — so the recommendation is built around your family, not a quota.
What Gavin Doesn't Do
Gavin is not a tax advisor, a lawyer, or a comprehensive financial planner — and he won't pretend to be one. Will drafting, trust structures, tax filings, and full investment management are outside his licence and outside his lane.
For that work, he brings in TruStone's in-house tax and insurance specialists, or a formal referral to a Harbourfront Wealth Management advisor — and stays coordinated with your own accountant and lawyer throughout.
Frank Says
Who This Review Is For
If any of these sound like you, the review is worth 20 minutes of your time.
Incorporated Business Owners
You've built value inside a corporation and want it to reach your family — not get ground down by a second layer of tax on the way out.
Retirees With RRSP/RRIF Exposure
A large RRIF looks like an asset on paper. At death, it can also be one of the biggest single tax bills your estate will ever face.
Property Owners Planning to Pass On Real Estate
A cottage, a rental property, or a second home you want to keep in the family — without forcing your kids to sell it to pay the tax bill.
Families With Uneven Assets Among Heirs
One child gets the business or the farm; the others don't. You want everyone treated fairly without breaking up what took a lifetime to build.
The Process
How the Review Works
Map What You Own
A plain-language inventory of your estate — RRSPs/RRIFs, corporate assets, real estate, investments — and who you want it to go to.
Find the Gaps
Where will taxes hit hardest at death? Where's the liquidity to pay those taxes without a forced sale? Where could unequal inheritances create conflict?
Identify Insurance-Relevant Solutions
Gavin maps out where life insurance and other insurance-based tools can close those gaps — and where they can't.
Bring In the Right Specialist
For anything outside insurance — tax structuring, legal documents, investment management — Gavin brings in TruStone's specialists or the Harbourfront referral partner.
Who's On The Team
Gavin Isn't Working This Alone
Gavin identifies where insurance fits into your estate picture. When the case needs tax, legal, or investment expertise, he brings in a team built for exactly that.
TruStone Financial MGA
Gavin is independently contracted through TruStone Financial, a national managing general agency. On complex cases, TruStone's in-house tax and insurance specialists review the structure — corporate ownership, CDA mechanics, policy design — alongside Gavin, before anything is recommended.
Harbourfront Wealth Management
For investment management, comprehensive financial planning, or anything outside insurance, Gavin works through a formal referral partnership with Adam Vickers, CFP — Wealth Advisor and Senior Planning Associate at Harbourfront Wealth Management — so your wealth management stays with a licensed professional, not a broker guessing at it.
Gavin coordinates the introductions. Your accountant and lawyer stay in the loop the entire time.
Frequently Asked Questions
Related Guides
Wealth Transfer
What Happens to Your RRSP or RRIF When You Die in Canada?
A RRIF is taxed as income in your final tax return — often at close to the top marginal rate. Here's how that works and where insurance fits.
Wealth Transfer
How Corporate-Owned Life Insurance Fits Into a Family Wealth Transfer Plan
Retained earnings inside a corporation face tax on the way out. Here's how corporate life insurance factors into the bigger estate picture.
Wealth Transfer
What Is Estate Equalization and How Does Life Insurance Pay for It?
When one child gets the business or the cottage, insurance can be the tool that keeps things fair for everyone else.
Wealth Transfer
What Happens When You Leave a Cottage or Property to Your Children in Canada?
The tax bill on a second property is triggered at death, whether or not anyone sells it. Here's what that means for your family.
Disclaimer: Frank Cover and Gavin Dyer provide insurance advice only and do not provide tax, legal, or comprehensive financial planning advice. This content is for informational purposes only. Please consult a qualified accountant and lawyer regarding your specific tax and estate planning situation.
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