Transferring wealth is a complex affair. With new estate laws and ever-increasing complications in family dynamics, the issue of how, when and to whom to transfer wealth can be challenging. There are many land mines – and opportunities that need to be understood. The days of just writing up a letter of your last wishes with a signature from a neighbour are over. To protect yourself, your family, your assets, and leave a tax-efficient legacy you will need to prepare carefully. Patricia Chartrand has guided hundreds of families through the murky and often troubled waters of organizing their estates. Now is the time to figure this out.