Frequently Asked Questions
Planning your estate shouldn't feel like decoding a foreign language. We've collected the questions we hear most from folks in Quebec City and beyond. Real questions. Real answers. No corporate jargon. If you don't see yours listed, just call us.
We help you plan what happens to your money and assets after you're gone. That means wills, trusts, beneficiary designations, tax strategies—the whole package. We work with your situation specifically. Not templates. Not one-size-fits-all nonsense. Whether you've got 47 dollars or 47 million, we treat it seriously and make sure your family isn't left scrambling.
Pricing depends on how complex your situation is. Simple estate? Different cost than managing a business or multiple properties. We charge fixed fees for most services—not hourly billing that keeps climbing. And no, we don't ask for everything up front. We discuss costs before we start. You'll know exactly what you're paying and why.
Start to finish? Usually 4 to 8 weeks. Sometimes faster if you've already got your documents organized. Sometimes longer if there are complications—blended families, business interests, that kind of thing. We'll give you a realistic timeline at the beginning. And we'll keep you updated. No disappearing acts here.
We can't guarantee what a future court will do. Nobody honest can. But we follow Quebec law exactly. Our documents are built to withstand scrutiny. We've done this for 13 years. We know what works and what causes problems. Your estate plan will be solid. That's our reputation on the line.
Absolutely. We serve clients across Quebec. Some folks drive in. Others we handle entirely by phone and email. Your location doesn't matter. Your situation does. We've worked with everything from Sherbrooke to Outaouais. The rules are the same across the province, and so's our standard of work.
Call us at +1 (159) 420-8406. That's the fastest way. Email info@harborpensionadvisors.ca works too—we respond within 24 hours usually. Want to sit down face-to-face? We're at 37 Yonge Street here in Quebec City. Book a time that works for you. No phone trees. No hold music.
We give you a copy. Your executor gets a copy (if you've named one). We keep a copy in our secure files. We'll also recommend you review everything every 5 years or when life changes—new spouse, new kids, business sale, that stuff. We can help with updates too. Your plan shouldn't gather dust in a drawer.
Depends on your situation. A will is the foundation. But a trust? That protects your family from probate fees and court delays. It keeps things private. It helps if you've got minor kids or anyone who can't manage money. We'll sit with you and explain which option actually makes sense for you. No upselling. Just honest advice.