Family Wealth Structure Optimization Guide

As income grows and family wealth accumulates, optimizing your wealth structure

becomes essential to sustain and protect your assets across generations.

Common Components of Family Wealth:

Real estate (residence + investment properties)

Registered accounts: RRSP / TFSA / RESP

Life insurance policies

Investment portfolios (stocks, mutual funds, private equity)

Shares in family businesses

Key Optimization Strategies:

Diversify holdings – Don’t over-concentrate in one asset class

Tax layering – Use RRSP, TFSA, life insurance to shelter income

Trusts and structures – Use family trusts for protection and transition

Leverage insurance – Access liquidity via policies (e.g., IFA or corporate-owned)

Family education – Prepare the next generation for wealth management early

Legacy begins with structure. Let your assets support not just wealth—but wisdom

across generations.