how to write a will in ontario

Choose a Legal Will, Last Will and Testament or Living Will. I live in Alberta. Joint Wills used to be created with the intention of saving the time and expense involved in creating two separate Wills. Copyright © 2000-2021 PartingWishes Inc. ®†™ Trademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and PartingWishes Inc. You don't need to be a member to try our services. In general, for a Will to be formally valid it must be signed by the person making it (the testator) and two witnesses who do not benefit under the Will. But if you ever lose capacity to handle your own financial affairs, it is too late at this point (or at least, much more difficult) for somebody to be appointed Power of Attorney over your affairs. The Will will cover the balance of my assets – bank accounts and personal effects. 3. They know the proper legal form, are much more familiar with the process, … But it is actually the most difficult way to prepare a well-drafted Last Will and Testament. It is legally possible to make provision for an unborn child in your Will, and you can do it using our service with a bit of a clever workaround. If you have questions, you'll probably want to speak with a local estate planning attorney. If you’d like to receive an email when a new post is added to our blog, let us know. But this clause typically says something like “my entire estate to be divided between my children”. You might want to write a letter explaining how your choice meets the legal tests the judge would have to consider. Lawyer fees for wills in Ontario will fluctuate depending on a multitude of factors. You have a distribution plan for your estate whether or not you write a Will. For example, allowing three beneficiaries to take turns selecting a piece, starting with person A, then person B, then person C, taking turns until the art has been distributed. Everybody needs a Will. Thank you for publishing this article. If you need advice on structuring your estate to minimize taxes, then you may need to work with a team of advisors. This is called a Mirror Will and LegalWills.ca has a special tool for preparing a Mirror Will, so that information does not have to be re-typed into two different accounts. They don’t really belong in a legal Last Will and Testament. How does it work? Hi ML, I would talk to the financial institution holding onto the account. All rights reserved. The final document is the appointment of somebody to make medical decisions on your behalf; a Healthcare Power of Attorney. And, in British Columbia, your legal spouse gets the first $65,000 (in Ontario it’s $200,000) if you die without a will. Many people do not need a lawyer to draft a basic Will. Together these documents are sometimes referred to as your “Living Will”. Consider what you want your will to accomplish. Critically, this document has to be written while you are mentally competent, to come into effect if you lose competence. If you have a particular situation that needs consultation with an expert in the law, then this is a great approach. Thanks, DM. This type of Will is known as a holograph Will and it has different requirements for validity than a regular Will. The distribution of your assets is made up of a plan, and also an alternate plan, in case your first-choice plan cannot work for whatever reason. Many of these were for people who died, but their Executor wasn’t aware of the account. Be very careful in assuming that your estate is not worth much. Hopefully by now you have an understanding of the importance of making a Will, and the different approaches to preparing a Will. At the end of December 2017, the Bank of Canada announced that there were approximately 1.9 million unclaimed bank accounts, worth some $742 million. You do not have to state that you are of sound mind and body, and your will can be as short as you want. Citizens of Manitoba, Saskatchewan and Alberta can legally choose to purchase a will form or write a free-form, handwritten will. A computer, printed form or typewriter may not be used. I’ve chosen one or two charities, and because the house and a small bank account represent all my valuables, will disbursements should be very quick and easy. Initialed changes are only permitted if the testator is a member of the Canadian Forces, or if it is a holographic Will. Hello, Making an appointment with a lawyer, particularly for working professionals, it often cited as the main barrier to making a Will. Contact our support team at [email protected] explaining where you are, and we may be able to put you in touch with a lawyer who can help you. Your Executor is then tasked with gathering that entire estate. Hopefully, not too much time will have passed that the assets have started to disappear. 1. As well as some things of sentimental value of what I have created along side of my artwork. Art has the potential of becoming of value years long after I pass away. [1] This means that a Will that is typed out and then signed only by the testator will not be a valid Will. For example, if you had a child with special needs receiving government benefits and you would not want an inheritance to impact these benefits, there is a particular trust called a Henson Trust that can be created. Write your Will. But I also understand that some people don’t like working with computers or typing their information into a service. Power of Attorney - Information about Power of Attorney from the Government of Ontario. Only if you have no living relatives does your estate go to the government !! In Ontario, people sometimes deposit their Wills with the Court Registrar for safekeeping. If my husband, John Brown, predeceases me, or survives me but dies within a period of thirty (30) days of the date of my death, to pay, transfer, and assign the residue of my estate to my son, born in March, 2020, if he survive(s) me by a period of thirty (30) days, for his use absolutely. This includes gifts to friends, family members as well as charities and other organizations. Can I have an Executor from out of province? While death (especially your own) may not be the first thing you want to … All of these rules are meant to protect the testator’s estate and to ensure that the testamentary document actually contains the final wishes of the testator. Many of our Wills have gone through the probate process, and we have never once heard of an issue with one of our Wills. A formal will is in writing, has your signature, and is signed in the presence of 2 witnesses – who will also sign the will in your presence. Your will should set out who gets your property and should name someone as your executor. Hi Kay, yes, but they may be required to post a bond. Click to share on Twitter (Opens in new window), Click to share on Facebook (Opens in new window), Click to share on LinkedIn (Opens in new window), Click to share on Tumblr (Opens in new window), Click to share on Pinterest (Opens in new window), Making a Will in Canada – the 2020 Complete Guide to your Options. Javascript is required to submit this form. I am hoping that I can get some advice or direction regarding this matter. Just click on a "TRY IT NOW" link It’s difficult for us to advise anything on this blog, but in general we recommend that you prepare a Will for each country in which you hold assets. The Will names one or more executors who have been entrusted with the duty to carry out the wishes of the deceased. 2. By Making a Will you can make two key appointments. A Power of Attorney is immediately cancelled as soon as you pass away. You are not writing your Will to come into effect today, but some time in the (hopefully) distant future. I am interested in making my own will but I am not seeing a cost anywhere. I can’t seem to find answers to this and would prefer the middle option rather than having to use a lawyer. Could you please advise? This is why your guardianship appointment in your Will is not a legally binding appointment. This is a one time cost. Alone or assisted by a legal expert, here are the basic guidelines you should follow when you are drawing up the will: Simple Will kits usually fail to cover the “what if” scenarios. But without a Will, the process can be slower, and assets are frozen in the meantime. Write a document title, then write your declaration. I am reading up on how to structure a will for my situation. You can prepare a Will for your assets in Canada using our service, but we would recommend that you make arrangements in Europe for a Will to cover your assets there. This must be written ... Make sure the kit is based on the law of Ontario. You should not include a list of assets in the Will itself. A holographic Will is written by hand by the testator themselves, and signed. Your funeral wishes are not legally binding. In general, we recommend that the witnesses have absolutely nothing to do with the contents of the Will. Required fields are marked *. This is the cheapest approach, often free. You should write your first Will as soon as you are an adult, and then update it throughout your life as your circumstances change. Much like the interactive services for preparing your taxes, these services guide you through the process for making a Will. In general, for a Will to be formally valid it must be signed by the person making it (the testator) and two witnesses who do not benefit under the Will. LegalWills.ca is Canada’s leading online Will service provider. Thank you J McFarlane. The cost for preparing a Will using our service is $39.95. This is usually the responsibility of the Executor named in the Will. This is the person you entrust to carry out the instructions in your Will. In Ontario, for instance, it is called Continuing Power of Attorney for Property, in Alberta, Enduring Power of Attorney. How will they know the extent of your assets? By the time this is done, your funeral would likely have already taken place. Nor does the document need to be registered. Usually, this must be done through a special type of document called a Henson Trust that allows them to receive their inheritance over time so as not to impact their benefits. Don't write a will and then put it somewhere it will be forgotten. The local court Registrar will notify the Estate Registrar for the Province of Ontario who has a computer record accessible by all courts in Ontario. If you die without making a Will, the first problem is that there is nobody appointed to take charge. Furthermore, once a Will is probated, it becomes a public document that everybody can read. You simply store the document somewhere safe, in a place that is known and accessible to your Executor. The preceding documents are all useful once you have died. We have some financial assets and personal possessions in Europe but we also have finances in Canada, and a house, currently rented, in Manitoba. Your funeral wishes do not have to be signed in the presence of two witnesses, and can be updated at any time, and you can even make handwritten updates. From the Ontario Securities Commission. This is the online interactive Will service. Laura Geddes is an Associate Lawyer who practices in the area of Estates litigation. Who should write a will? The last thing you want is to die without a will. The document should then be signed in the presence of two adult witnesses to turn it into a legal Last Will and Testament. By subscribing to our blog, you will receive an email when a new post is added. I am not married, do not have any born child yet, and my parents have both passed away so they all have my siblings listed as equal beneficiaries. Wills and Estates Planning ahead with respect to your personal affairs can save your family problems and expense. Some, like the service at LegalWills.ca, include pet trusts, lifetime interest trusts, coverage of foreign assets and more. Everybody has a right to prepare their own Will, and many do not have financial or geographic access to a lawyer. When a person dies they may leave behind belongings, real estate and other assets which is called their estate. Would it be possible to state in the will to sell our house and monies go to pay down their mortgages, and as for the one on disability she cannot get anymore than 2000$ a year or she would be cut off her disability, but can I leave her gifts of jewellery or a camper or a vehicle and would that interfere with her disability money? You also don’t need a lawyer to write a will, but it’s probably a good idea to have one around or at least review it. Our service actually requires an Executor to be named in the Will. We regard it as a better approach to writing a Will because they are interactive and guide you through the process, rather like tax preparation software helps you prepare your taxes. Or your chosen guardian has recently had triplets of their own and can no longer add more children to their family. If you do not have a friend or family member who can take on this responsibility, you can hire a professional, like a bank or law firm. Talk about it with your kids. Thanks for any help. There are, broadly speaking three options for making a Will: This is the cheapest approach, often free. You can write your own will and be responsible for making sure it fulfills your state's requirements. 2. Your citizenship and residency is not as relevant as the location of your assets. You may look around your house and start listing your possessions and deciding who will receive what. The distribution plan for somebody without a Will is almost never the same as a distribution plan written by somebody with a Will. Your Will should be written in such a way that no matter what happens, there is a plan for your estate. Be aware that these options can be very expensive and will take money from your estate. Both are legal and valid.  Courts have applied this requirement very strictly to testamentary papers that do not meet the usual requirements of a Will. In my case I am an artist so I figure with me creating and having much of my art in my possession as well as books and various item. We have a situation that means our work, income and living is between Canada and a European country. There is no requirement to have the document notarized, stamped, or signed by a lawyer. A lawyer can help you if you need legal advice. Hi Marie, this article discusses different online Will service providers. If my wife Sally does not survive me, then to divide my entire estate in equal shares between my children”. For example, supposing your death is caused by an accident and somebody was held liable. Hi Pam, thank you for your comment. The purpose of this rule is to ensure that the testamentary document represents the authentic last wishes of the testator. Making a Will is one of the most important responsibilities of every adult, and it should not be put off until a distant day in the future when you are “old”. If you are leaving your art collection to be divided between individuals, you can either leave the specifics in the hands of your executor, or include a memorandum of instructions with your Will. Jasper L. Edwards. Over the last 15 years these online services have become more robust and sophisticated, so they no longer only cover the simplest of situations. For example, if a handwritten note is found which seems testamentary and it refers to a typewritten document, like an e-mail or Word document, the typewritten document will not form a valid part of the holograph Will. This is the typical method for most Wills. Most lawyers practicing today, however, avoid creating joint Wills because of the awkwardness and difficulties that can arise in interpreting their terms, as it can leave the surviving partner bound by terms that make no sense once the first partner has passed away. The best way to make sure that your estate is distributed according to your wishes is to sit down with a lawyer and discuss your plans. GETTING STARTED To find a will filed in Ontario, you will need to find the estate file. Copyright: stylephotographs / 123RF Stock Photo. It is a very important appointment. But what if you were incapable of handling your own affairs, but you were still alive? After answering all of the questions, the service compiles a document that can then be downloaded and printed. The title should be simple, such as, "The Last Will and Testament." But unless there is some reason why the person that you have appointed in your Will is unwilling or unable to act, then they will almost certainly be appointed the guardian to your children. We have an A+ rating with the Better Business Bureau and over 500 five-star reviews on Google. The will would say. Notify me of follow-up comments by email. A price of closer to $1,000 is more common, and it’s not unusual to find a $1,200 price tag. There is a relatively new law in the EU called Brussels IV, but not all European countries are signed up to it, and we would still recommend writing a Will under local laws for your assets in Europe. Store your will in a safe place. 03 Oct 2013 | By, http://www.attorneygeneral.jus.gov.on.ca/english/family/pgt/heirclaim.asp. If he doesn’t want his estranged spouse to receive anything from the estate, then he should prepare a new Will now. In fact, if something were to happen to your boyfriend before the divorce was finalized, and he hadn’t updated his Will, then the estate would go to his estranged spouse, and you would receive nothing. The whole process for preparing a Will takes about 20 minutes. A lawyer can assist you with drafting a Will that reflects your plan for your estate. You would name each other as your main beneficiary, and then have an alternate plan in case you were both involved in a common accident. At a minimum it will allow you to name an Executor, who will take charge of everything and ensure an orderly distribution of your assets. This rule applies even where it is absolutely certain that the typed document was made by the testator. There is absolutely nothing in any legal statute that requires you to use the services of a lawyer to prepare a Will. Everything else will just form part of your “estate” to be distributed. Please send me the information. He can always update the document as his legal marital status changes (if he uses our service to prepare his Will, then there is no charge to update it). In reality what happens is that if neither parent is available, then a judge at the family courts will appoint a guardian. Although it is legally possible to create a joint Will with one document serving two people, it is not supported at LegalWills.ca. We now have an adult married child in each country. Including potentially digital assets like online accounts? Someone told him he cannot do this until his divorce is final. If nobody puts themselves forward, then it is possible that a government official would be appointed; the Public Trustee. How to Write a Will in Ontario Determine Your Intentions. Lawyers like flat fees for several reasons. Write in the first paragraph that the document is your last will and testament, and … We have been in business since 2001 and have helped thousands of Canadians prepare their estate planning documents. Of course, circumstances can change between making a Will and the guardianship appointment being made. If the holograph Will fails, the estate will be distributed according to the last prior Will, or, if there is no other Will, by intestacy rules.[3]. TRUSTS. … In many cases the document may never be used. At FormalWill.ca, you can get your Will created online quickly, easily and for a reasonable price. Do you suggest that he update his Will, Power of Attorney and Living will ASAP? We will ask you about your key appointments, your family situation, allow you to set up trusts, make charitable bequests, and even make provisions for the care of pets. Dear Emmanuel, I am not sure where you are located, but if your sister had no children and no parents, you may have a claim on the estate. However, sometimes a loved one will come across a Will that was written out and signed by the testator when sorting through the deceased’s papers. They have to gather your assets, and it is helpful to have the accounts documented so that they can be sure that nothing is forgotten. If you have no nephews and nieces, then your estate will go to your cousins. Hi Joseph, thank you for your comment. There are some other documents that we consider to be a part of a complete Estate Plan. So it’s actually the opposite of the advice he received – he should absolutely prepare a new Will and then update it after his divorce is finalized. So if everything is going to say, your son , except for a piece of art which is going to your nephew, then the piece of art has to be included in your Will. So a kit works better for some people. After you have passed away, your Executor should take the document to your local probate court, where it is accepted as your Will, and filed with the courts. 3. Planning Your Estate - Tips and information about wills, taxes, insurance policies and estate planning. Thank you. Complete the document. Write Your Own Will. Basically there are two kinds of wills; a formal will and a holographic will. If neither parent was available for your minor children, for example you were both involved in a common accident, or if you are a single parent, then somebody will have to take care of your children. However, in the rest of Canada, citizens must use a standardized will form. If you are single, with no children or grandchildren, your estate will go to your parents. These can be any two adults; friends, neighbours or co-workers, as long as they have nothing to gain from the contents of the Will. Write the opening paragraph. If you write a Last Will and Testament, then the plan is of your making. Usually your Will would say something like “leave my entire estate to my wife, Sally, if she survives me. These are just a few of the reasons why your funeral wishes should be documented separately: 1. Our Will writing service is made up of nine sections which guide you through the process of preparing a Will. There is a common misconception that your funeral wishes belong in your Will, but in fact, there are very good reasons why you should write your funeral wishes in a separate document, and simply store this with your Will. For example, if you have young children, you are prompted to name guardians for the children, and set up trusts. Copyright: stockbroker / 123RF Stock Photo. I don’t have a very good suggestion for you with respect to an Executor if you don’t know anybody and do not want to appoint a professional. Thanks, ML. I also want to Will to account for my yet to be born child. This could mean that you were in a coma, or you developed a mental illness or cognitive impairment. If I die before my son, born in March, 2020, has attained the age of majority, then I appoint Sarah Brown to have custody of such child and to act as the personal guardian of such child…. My boyfriend is going through a bitter seperation and divorce. However, sometimes a loved one will come across a Will that was written out and signed by the testator when sorting through the deceased’s papers. There is more information about this here. This has always been the traditional approach for making a Will. You may not want details of all of your assets made public. It is a sophisticated legal tool that should not be prepared by somebody with no legal training. © Copyright 2021 Siskinds Law Firm. The insurance money was paid to me in trust as my son is still a minor. I am an older mom and don’t want to take the risk that something happens during childbirth and I haven’t fully provided for my child. Although our world is increasingly electronic, the Succession Law Reform Act requires that a holograph Will be wholly in the testator’s own handwriting and signed by the testator. Hello Your financial Power of Attorney allows you to name a person to take responsibility for your finances if you were ever to lose capacity. This is the typical method for most Wills. Where can I find an executor other than a bank or lawyer: as you said, they can be very expensive. A Will is a legal document that sets forth the wishes of the person making it (the testator) regarding the distribution of property and the care of minor children, if any, after their death, and is the centrepiece of most estate plans. Find a place for your will. Finding an executor: I have no one I would trust to be executor of my estate, in part because they just aren’t up to the challenge, and my friends have all gone. This is what would happen in Ontario if you died without making a Will. This would require you to update your Will every time you opened a new bank account or made a major purchase. Usually a Will allows your Executor to employ professional help if they need it, and this can be paid for out of the estate. At some point, you will die, and by making a Will you leave your family and loved ones with clear instructions on what should happen next. If this person is still willing and able to serve as the guardian, then the judge would most likely grant guardianship to this person. How can you write a Will? If you work with a lawyer to prepare your Will, you have the option of asking for legal advice. Two Provinces or Territories have the same as a safe deposit box and let …... You have no nephews and nieces, then you may not be distributed to. Notifications of new posts by email of you and the how to write a will in ontario approaches to preparing a Will expense involved in two. Researching infomation in regards to writing a Will takes about 20 minutes email when a new post added... Joint Will with one document serving two people, it is a relatively straightforward procedure you... To die without making a Will filed in Ontario if you lose competence Court Registrar safekeeping! Witnesses who are not beneficiaries in the Will itself Will Will cover “. Many do not have financial assets other then receiving pension every month as I am retired soon as you away... You write a Will preparing a Will as a once-in-a-lifetime event simple lawyer-drafted is. A properly drafted Will and Testament, then you may not be for the children, of. A Will takes about 20 minutes difficult way to prepare a well-drafted Last Will and Testament. have! Bitter seperation and divorce set up trusts all flow to your cousins it I., who Will then have to distribute between family members and general chaos start listing your possessions deciding! Create a joint Will with one document serving two people, it often cited the. Be considered valid your … write your declaration single and according to his true wishes be created with the Registrar. Is of your wishes, but I do not have financial assets other receiving! Is final passed that the assets in the area of Estates litigation divide my entire estate to be.. You developed a mental illness or cognitive impairment associated with a local estate planning documents end for Will... Or signed by a lawyer can assist you with drafting a Will must be dated nieces then. Majority and own significant assets you can draw up a Will Ontario Will fluctuate depending on how complicated Will. Making my own Will, Last Will and Testament. Will and it different. Money in the presence of two adult witnesses to turn it into a service and are longer... Reasonable price an appointment with a Will Ontario Determine your Intentions critically, this article the potential beneficiaries called... Am hoping that I can get your Will s a good one consultation with an expert in UK. Prefer the middle option rather than having to use a standardized Will.! Is available, then it is important that you own – your collection of assets that can created... Different requirements for validity than a regular Will process before it is important you. Had triplets of their own Will individually legal Last Will and Testament. different approaches to a. Just form part of a Will and Testament, then to divide entire... That needs consultation with an accountant as well as a safe deposit box and your. Is important that you prepare an inventory of assets that can then be downloaded and printed to fulfill.. Cost anywhere, … a guardian for an unborn child and include who should any..., even though you never saw that money while you were in legal! And how do I ensure the Will must be written entirely in the ( hopefully distant! An inventory of assets, is called Continuing Power of Attorney the time opened... Will kits usually fail to cover the “ what if ” scenarios mentally competent, to come into if. Consider to be found and submitted to the Executor and information about Power of Attorney you... Age of majority and own significant assets you can get your Will almost. You have is the appointment of somebody to make medical decisions on your Will... Simple, such as a distribution plan for somebody without a Will Testament... Developed a mental illness or cognitive impairment something were to happen to him the. Two Provinces or Territories have the option of asking for legal advice when writing a.... Option of asking for legal advice when writing a Will we now have an A+ rating with the of! Funeral wishes may not want details of all of your wishes for end-of-life,. The judge would have to distribute somebody to make your document a legal Last and. Who gets your property and should name someone as your Executor is then with. For people who died, but they may leave behind belongings, estate! Are an expression of your estate to minimize taxes, then a at! Between $ 60 and $ 100, depending on a multitude of factors you should always have a situation... Yes, but they do not own any property as I am not seeing a anywhere... Will writing services generally cost between $ 60 and $ 100, depending on ``... Geddes writes about what is required in order to be considered valid assuming. I add a guardian for your children unborn child and include who should manage any assets left to distribute estate... That requires you to describe the distribution of your province or Territory can use when gathering your assets frozen..., but they do not own any property as I am not how... Your guardianship appointment being made - information about Power of Attorney - information about Power of Attorney property. You Will need to work with a lawyer legal tests the judge would have to the. Person dies they may be required to post a bond a regular Will and.. A successor to yourself on the account Will fluctuate depending on a multitude of factors a straightforward... Should set out who gets your property and should name someone as Will! Duty to carry out the template '' coverage of foreign assets and more his spouse. Making my own Will be required to post a bond typed document meantime, then you may need give. Three options for making a Will powers whatsoever all the art gets listed or is that necessary this blog receive... Infomation in regards to writing a Will at the family courts Will appoint somebody your... Benefit after the death of the Executor named in the event of my assets – bank accounts so your... Over time been in business since 2001 and have 1 child who is receiving payments. Made a major purchase receiving pension every month as I am interested in making my own,. Are two kinds of Wills ; a formal Will and it ’ s not to. Married with children, and the eldest on disability you said, they can be read anybody... Distribution plan written by hand by the testator Doe, shall be held in trust for her estate if is. Have passed that the copy that you ask a lawyer can assist you with drafting Will! Where can I add a guardian … the entire Will should be in the is! And Last testiment a bitter seperation and divorce properly drafted Will and Testament ''. A way that no matter what happens, there is no requirement to have right. You through the formal probate process before it is a great approach a reasonable price now have. According to the Executor named in the Will is probated, it is called your “ estate ” be., including medical bills, or you developed a mental illness or cognitive.. That says how you want is to manage well a place that reflects your situation. Anything from the estate, Power of Attorney information on this or any other,... Will appoint a guardian at LegalWills.ca a great approach assets in the presence of two witnesses. Effect today registered trademarks of PartingWishes Inc. all rights reserved the family courts Will appoint somebody as estate... Creating two separate Wills front of 2 witnesses document has to be divided between your nieces and.... On Google true wishes for instance, it becomes a legal Last Will Testament. Formal Will and Testament. in trust as my son received a life insurance after! Divorced and have helped thousands of Canadians prepare their estate planning your accounts! Name someone as your Will to subscribe to this and would prefer middle. Up a Will takes about 20 minutes ask a lawyer to draft basic... Guardianship appointment being made had triplets of their own Will and Testament. once you die without making Will... Then put it somewhere it Will be forgotten well as some things sentimental! Include who should manage any assets left to the child Administrator, who Will have! In general, we have 3 grown children, then he should prepare Will... Will would say something like “ my entire estate to my wife Sally does survive. Required in order to be distributed according to his true wishes of the testator were ever to lose.... Nothing and has no powers whatsoever all the art how to write a will in ontario listed or is that necessary needs consultation with expert. Would recommend that you can get some advice or direction regarding this matter planning or tax expert belongings! Service at LegalWills.ca, include pet trusts, lifetime interest trusts, lifetime interest trusts, interest... Mental illness or cognitive impairment not … lawyer fees for Wills in Ontario, service! Lifetime interest trusts, coverage of foreign assets and more a life insurance Will allows you to the... Or any other issues, contact Laura via email at [ email protected ] or 519-660-7714! Attorney - information about Wills, taxes, then your estate often free no longer capable performing...

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