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As you want to leave your estate to your children you would designate the three children as beneficiaries for your RRSPs, your pension and your life insurance.
Because one child is a minor for now the designation for the youngest must be in Trust and so you can appoint one or both of the others as Trustee until the 17 year old reaches the age of majority.
These assets will not form part of your estate if you designate specific beneficiaries and so probate fees will be avoided.
Because one child is a minor for now the designation for the youngest must be in Trust and so you can appoint one or both of the others as Trustee until the 17 year old reaches the age of majority.
These assets will not form part of your estate if you designate specific beneficiaries and so probate fees will be avoided.
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