Retirement
Income and Capital Allocation
Unify plans → coordinate engagements → deliver seamless transitions.
We begin by unifying your existing income, capital, and estate plans and integrating them with your transitional plans including: Retirement, inheritance, home, advance gifting, late in life care and generational wealth transfer.
If you are also acting as a fiduciary for your parent’s affairs, we provide guidance and support in fulfilling your role and obligations as an attorney (under a POA) or estate executor.
We perform the role of an orchestrator who facilitates engagements with professional service providers such as lawyers, accountants, and other advisors to facilitate the execution of plans.
For generational transitions, through our Legacy Clinic we coordinate communications with you and your trusted families who will act as your fiduciaries when you are no longer able to manage affairs.
The combination of Unified Plans and Coordinated Engagement results in seamless life and wealth transitions.
Through the Legacy Clinic we address the complex needs of intergenerational transitions by guiding and supporting you and your family through health, fiduciary role, and wealth transfer.
Strategic Positioning. Transition Ready. Service Continuity.
We start your engagement with a complimentary 30-minute session to frame your plan or estate transition scenario(s), clarify challenges, outline potential solutions, and provide a venue to ask questions about our services. No commitment required.
Thereafter, you can choose a one-time engagement to address a specific issue or enter in a 3-session (minimum) Unified Planning engagement.
After completing a Unified Planning engagement you have the option of accessing the Legacy Clinic designed to guide you and your family through intergenerational transitions.
Purpose:
In the context of Unified Planning we will:
1. Address a single wealth or estate planning issue or,
2. Have a general discussion about your wealth and estate affairs.
The Session: Our discussion will range from your current circumstances and transition scenarios to the resources and professional services you may need to access. We finish by determining next steps.
1-Hour
Purpose:
To unify and simplify your income, capital, and estate plans in one place; guide you in making and executing high stakes decisions in preparation for, or in response to major transitions; provide access to professional services.
Process Summary:
1. Unify Plans
2. Plan Assessments
3. Analyze Options
4. Select Strategies
5. Coordinate with Professionals
Steps 4 to 6 are repeated for multi-transition scenarios.
Minimum 3 Sessions:
Session 1: Discovery
Session 2: Assessments
Session 3+: Strategic Planning
Scope:
Our planning services addresses the transitional periods from pre-retirement to end of life, and the generational impact.
Minimum Two 1-Hour Sessions
Purpose:
To provide families access to services to help them get and keep organized as they age, prepare for and then navigate intergenerational transitions.
Session 1 and 2:
1. Organize Plans & Information
2. Complete Non-financial Plans
3. Family Communication Plan
Recommended Future Sessions:
Annual Plan Maintenance
Description:
The Legacy Clinic is inspired by the concept of Stewardship: The intent and act of arranging and managing your affairs to fulfill your intentions for your care and support when you need it; to smooth the transition of family roles, and the protection, preservation, and transfer of wealth. Intergenerational transitions encompasses the phases of independence to dependence, incapacity, and end of life.
Minimum Two 1-Hour Sessions
Current hourly rate: $190 per hour + GST
We will work with you directly to determine where you stand in terms of life’s great transitions, and formulate a plan that is catered specifically to your unique set of challenges, assets, and health.
Wealth and estate planning is complicated, and most of our plans are incomplete or fragmented. Some are written, some unspoken, and many are imposed by government if we don’t act. True planning requires balance, integration, and a trusted advisor to guide us through life’s transitions.
Income | Capital | Estate
The purpose of your engagement is to unify and simplify your income, capital, and estate plans in one place to guide you in making and executing high stakes decisions in advance or in response to life and wealth transitions.
The first two steps to unify and assess your plans typically requires 2 sessions. Analyzing and creating strategies will require 1 or more sessions depending on your circumstances and the complexity of the transition scenarios. In the final step – to execute your plans – we coordinate with your existing or referred professional service providers.
Click on any step below to see a description
Intergenerational Transitions
After completing your Unified Planning sessions you have the option of accessing the Legacy Clinic where we help you and your family document, organize and maintain your plans in advance of and during generational transitions that highly impact your Life, Family, and Wealth.
How you live your life, what you leave behind, and how you are remembered is your legacy.
It is through the intent and act of stewardship that your family will be inspired to build on your legacy, pass on your values, and make better life and wealth decisions.
We help you realize those legacy intentions by taking an active role with you and your family in navigating generational transitions, which are both complex and highly emotional.
The end result is a more meaningful experience for you and your family, less conflict, improved family unity, ease of management, lower costs, and fulfilled intentions for your care and support.
Click on any step below to see a description
How you live your life, what you leave behind, and how you are remembered is your legacy.
It is through the intent and act of stewardship that your family will be inspired to build on your legacy, pass on your values, and make better wealth decisions.
We help you realize those legacy intentions by taking an active role with you and your family in coordinating advisory engagements, plan maintainance, fiduciary education, and preparation for transitions.
Ideally, you and your family will have engaged Unicen (or a similar service) to unify your plans (Plan Transitions), have kept them current (Plan Maintenance), and accessed fiduciary preparation services (Estate Clinic) prior to an Estate Transition.
However, we realize this is not the reality for most families and that fiduciaries often begin an Estate Transition without unified planning and preparation. In those cases, it is our objective that the fiduciary’s experience inspires them to perform acts of stewardship to organize their own afffairs, plan their legacy, and prepare for the future.
In simple terms, the act of wealth and estate stewardship means that our affairs are organized, our wealth plans are integrated with our intergenerational plans, and we and our families have access to essential services when required. This is not the reality for most families.
Whether in a planning or estate transition phase, we guide you and/or your family through the required processes working in collaboration with your professional service providers.
Our One Discovery process is more than a document roundup, it’s a meticulous, expert-led orchestration that consolidates every legal directive, account detail, and unspoken intention into one secure digital vault. With PRO-Files™ structuring, intergenerational mapping, and centralized insights, we eliminate silos, uncover hidden gaps, and build a clear, organized foundation for every future plan and transition.
The WealthCentre is where your wealth and estate plans come together in one unified process, analyzing your current position, assessing future scenarios, and guiding you through personalized consultations.
Using our PRO-Files™ Index, we map your household, family, and capital across three generations, identify gaps and opportunities, and create tailored Planning Guides to align your goals with legal, financial, and tax realities. With annual reviews and on-demand assessments, we help you stay organized and prepared for major life transitions, from retirement and downsizing to inheritance, business succession, or estate pre-planning. Whether you move forward with our WealthClinic, EstateClinic, or your own advisors, WealthCentre provides the clarity, confidence, and direction to make informed, high-stakes decisions with peace of mind.
Our EstateClinic makes late-life and end-of-life transitions as seamless as possible, activating pre-positioned WealthCare services, empowering fiduciaries with clear POA and executor directives, and overseeing trust and estate administration from probate filings to asset transfers. With compassionate guidance on every legal, tax, and logistical step, we help families preserve dignity, maintain harmony, and find peace of mind when it matters most.
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Select a scenario group to see the situations we help clients navigate.
Life events where intentional planning protects your family and future.
Income and Capital Allocation
To support children’s independence
Where and how you live
Advance planning for late in life care and support
Your Fiduciary Roles and Inheritance
Advance planning for final wishes and estate.
Tailored strategies for families with additional layers of complexity.
2nd Marriage, Cohabitation, or Divorce
Advance Planning for Dependents
Advance Planning for Generational assets
Integrating corporate, shareholder, and personal estate plans.
To Business partners, Employees, or External
Explore options: Estate Freezes and Family Trusts
Holding co., Capital Reallocation, Wind down
We will work with you to determine your unique set of life, wealth, and estate transition scenarios you are anticipating or experiencing to clearly frame your goals and intentions that will act as a guide for your engagement with Unicen, your team of advisors, and as required, family members.
Unicen brings together legal, financial, and tax experts in one centre to help families navigate wealth and estate transitions with clarity, confidence, and continuity.
