Estate planning is about protecting your life’s work and ensuring it reaches the people and causes you care about most. With advanced financial modeling, a family office-style approach, and seamless coordination with accountants and lawyers, we provide clarity at every step.

Estate Planning for Business Owners

As fellow business owners, we understand the complexities of tying your business into your personal estate. Estate planning for business owners requires strategies that safeguard continuity, protect employees, and ensure family members are cared for. Buy-sell agreements, succession structures, and liquidity planning are all essential tools. We work with your accountants and lawyers in a true quarterback role, ensuring your estate plan and business transition strategy are fully aligned. For small business owners, estate planning also involves protecting family wealth while preparing for the eventual transfer of assets in a tax-efficient way.

High-Net-Worth Estate Planning

We provide high-net-worth estate planning that integrates tax-efficient transfers, trusts, and insurance to preserve wealth across generations. Estate planning strategies for high-net-worth families also include preparing heirs to manage wealth responsibly, so the legacy you pass down is more than assets—it is confidence and structure. With our younger multi-advisor team, we ensure seamless advice for generations, creating continuity and trust.

Estate Transfer With Simplicity and Precision

We focus on minimizing tax burdens, reducing probate fees, and protecting assets from unnecessary erosion. Life insurance often plays a key role by providing liquidity for tax obligations, ensuring that cherished properties or businesses are not forced into premature sales. These strategies preserve the value of your estate and provide stability for your family.

Protecting Wealth With Tax-Smart Planning

Tax exposure can erode estates quickly, which is why we integrate tax-smart estate planning into every strategy. Our advanced financial modeling gives clients clear projections of tax liabilities and identifies opportunities to minimize them. Trusts, charitable giving, and insurance solutions are all used to keep wealth where it belongs—with your family.

Personalized Strategies for Families

Estate planning is about people. Every plan we create is designed with families in mind, helping reduce conflict, simplify transitions, and provide structure for heirs. For high-net-worth individuals, strategies often include trusts that release funds responsibly, protecting younger generations from being overwhelmed by sudden inheritances.

Legacy Through Generosity

Your estate can also reflect your values. Charitable giving strategies, including donor-advised funds, allow you to support causes you care about while reducing taxable liabilities. This ensures your legacy extends beyond your family, creating an impact in your community or for organizations that matter most to you. Our team ensures philanthropy is integrated into your estate planning in a way that complements your overall financial plan.

Confidence in Every Decision

Estate planning is a process. Over a series of in-depth meetings, we build strategies that adapt to life’s changes while keeping your goals front and centre. From estate transfer to tax reduction, from succession planning to high-net-worth estate planning, we deliver clarity, simplicity, and confidence. For families and business owners in Red Deer and across Central Alberta, Giesbrecht & Associates provides estate planning that protects wealth, strengthens families, and creates legacies that last for generations.