- 1670 North Service Rd E #217, Oakville, ON L6H 7G3
- advisor@oroojfinancial.com
- (905) 624-0008
At Orooj Financial Group, we take a holistic, architected approach to estate planning. Our integrated model—illustrated in the graphic below—brings together legal, tax, investment, insurance, and lending expertise under one roof. This collaborative structure allows us to design tailored strategies that preserve wealth, minimize tax exposure, and ensure a lasting legacy for families, professionals, and business owners alike.
Trusts are one of the most powerful yet underutilized tools in Canadian estate planning. While long embraced in countries like the U.S. and U.K., trust structures are only now gaining traction in Canada as wealth levels rise. A well-crafted trust can offer significant advantages over traditional wills, including tax efficiency, protection from creditors, and enhanced privacy. Our team of experienced Trust and Estate Practitioners works closely with clients to design trust solutions that align with their family’s goals—whether that means shielding assets from matrimonial claims or ensuring a smooth, confidential transfer of wealth across generations.
Passing on wealth is about more than just numbers—it’s about preserving family harmony and values. Our generational planning services help families navigate the emotional and financial complexities of legacy planning. Acting as impartial advisors, we facilitate open dialogue among stakeholders and proactively address potential areas of conflict. A key strategy we often employ is the estate freeze, which locks in the current value of assets while allowing future growth to accrue to the next generation. This approach not only defers tax liabilities but also ensures a seamless and tax-efficient transfer of wealth.
For entrepreneurs and family business owners, succession planning is critical to long-term success. Yet nearly 70% of Canadian family businesses fail to transition to the next generation. We help business owners develop clear, customized exit strategies that align with their retirement goals and protect the legacy they’ve built. From valuation and tax planning to leadership transition and ownership restructuring, our advisors guide clients through every stage of the succession process — ensuring continuity, stability, and peace of mind.
Your investments and assets are the foundation of your financial future. As retirement approaches, it’s essential to ensure they’re structured to generate sustainable income and withstand market volatility, taxation, and life’s unexpected events. We conduct a thorough review of your portfolio to identify risks and opportunities, then implement strategies to protect and grow your wealth. Whether it’s optimizing asset allocation, shielding against legal exposure, or planning for intergenerational transfer, our team ensures your financial plan is as resilient as it is rewarding.
Proper will and probate planning ensures your estate is distributed according to your wishes while minimizing delays and costs. We help you draft a clear, legally sound will, appoint a capable executor, and implement strategies—such as joint ownership, beneficiary designations, and trusts—to reduce probate fees. With expert guidance, your estate plan is tailored to protect your legacy and provide clarity for your loved ones.
Proactive tax planning is key to preserving wealth and reducing unnecessary tax burdens. We help minimize income tax, capital gains, and probate fees while providing strategies for Canadians with U.S. or foreign assets to avoid dual taxation.
Our approach includes trusts for tax efficiency, strategic gifting, and tax-deferred investments like RRSPs and TFSAs. With expert guidance and regular reviews, we ensure compliance, protect global assets, and maximize the value passed to your beneficiaries.
Charitable giving is a powerful way to leave a lasting legacy while enhancing your estate’s tax efficiency. By incorporating philanthropy into your estate plan, you can support causes you care about and reduce your overall tax burden.
We help clients structure charitable donations through wills, foundations, or scholarship funds—ensuring their values continue to make an impact. Tax benefits include claiming up to 75% of net income annually, and up to 100% in the year of death, significantly reducing estate taxes.
Whether you’re looking to support a specific organization or create a long-term charitable vehicle, we provide expert advice to ensure your giving is both meaningful and financially strategic.
Insurance is essential for protecting your wealth, family, and business. We create personalized solutions to ensure financial security, maintain business continuity, and maximize tax efficiency.
If you’re a business owner, corporate-owned life insurance (COLI) can help you grow and transfer wealth tax-efficiently, fund buyouts, and safeguard key people. We also address liquidity needs and design strategies that diversify assets—so your legacy remains strong and secure.
