The doctrine of incorporation by reference allows a separate document, not physically part of a Will, to nevertheless form part of it, but only in very limited circumstances. It is …
CPP and Parenting
What Happens If You Stop Working to Raise Children? Many Canadians step out of the workforce or reduce their hours while raising young children. A common worry is whether those …
Canada Pension Plan: Outline
The Canada Pension Plan (CPP) is one of Canada’s core social insurance programs. The CPP is designed to provide income when you retire, and financial support to your family if …
Removing an Estate Trustee
In recent years, Ontario has seen a noticeable increase in Court scrutiny of Estate Trustees and more frequent applications seeking their removal. While beneficiaries may feel frustrated when estates are …
Unclear Per Stirpes Provision
Pierce v Oswald (2025 ONSC 5344) Estate litigation frequently arises not because of large financial disputes, but because of poor wording in a Will. A major concern continues to be …
Hopeful Sellers in Present Buyers’ Market
This is an analysis currently making the rounds. Actually, there is a great deal of truth here. Sellers should be advised of the potential views of many Buyers. There are …
Who Is a “Child” on Intestacy?
Foster Children and Ontario Estate Law Ontario’s intestacy rules are statutory and unforgiving. A recent decision of the Ontario Superior Court of Justice confirms that even a lifelong parental relationship …
How Corporate Insurance Can Be Used to Reduce Tax in a Canadian Corporation
Many Canadian business owners accumulate significant retained earnings inside their corporations. While this can be a sign of success, it often leads to a familiar problem: how to grow or …
Consumer Reports: Meaning
The standard form Agreement of Purchase and Sale contains the following wording: “25. CONSUMER REPORTS: The Buyer is hereby notified that a consumer report containing credit and/ or personal information …
Agreement is Null and Void
The Agreement is null and void, not the Offer. Here’s some standard wording currently in use: “Condition – Arranging New Mortgage Satisfactory to Buyer This Offer is conditional upon the …