Our Services
Harbor Pension Advisors handles the stuff that keeps you up at night. We're talking wills, trusts, retirement plans—the whole picture. You've built something worth protecting. We make sure it actually stays protected. Our job? Taking the confusion out of estate planning so you can stop worrying and start resting easy.
Each service is delivered by experienced professionals, with a clear plan and a satisfaction focus.
Service 2
We draft wills that actually say what you mean. No legal mumbo-jumbo. Just clear instructions about who gets what, who raises your kids, who handles the mess. We've worked with 34 families this year alone. Each one walked away knowing their wishes are locked down tight.
- Custom document drafting
- Guardian designation for minors
- Asset distribution mapping
- Regular updates & revisions
Service 1
Trusts aren't just for the wealthy. They avoid probate. They protect privacy. They keep things running smoothly if something happens to you. We set them up right the first time. Then we manage them. So you don't have to think about it ever again.
- Revocable & irrevocable trusts
- Trust funding assistance
- Beneficiary communication
- Ongoing compliance management
Service 3
Your pension and savings need a strategy. Not a guess. We look at CPP, RRSP withdrawals, investment timing, tax brackets. We run the numbers 17 different ways. Then we show you the path that actually works for your specific situation. No surprises later.
- CPP optimization timing
- RRSP withdrawal sequencing
- Income tax projection
- Long-term cash flow modeling
Service 2
Who makes decisions if you can't? Better answer that now, not in a hospital hallway. We set up POAs and healthcare directives that actually work. Your family knows exactly what you want. No guessing. No conflict. No emergency decisions made by strangers.
- Financial power of attorney
- Healthcare decision authorization
- End-of-life preferences documentation
- Family communication guidance
Service 1
Death and taxes. But you don't have to pay both at full volume. We identify the tax triggers in your estate. Then we build a plan to reduce what the CRA takes. We've saved clients an average of $23,000 each through smart structuring.
- Capital gains tax analysis
- Insurance-based strategies
- Charitable giving optimization
- Corporate holding structures
Service 3
Your bank accounts, insurance, pension plans, investments—they all name beneficiaries. Most people don't coordinate them. That creates chaos. We map everything. We make sure your beneficiary designations actually align with your will and your wishes. Prevents messy disputes later.
- Beneficiary designation audit
- Multi-account coordination
- Conflict identification & resolution
- Documentation & record-keeping
Need a Custom Solution?
Contact us to discuss your specific requirements and get a personalized quote.
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