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I Started NE Capital Because Too Many Families Discover Their Number After It's Too Late

Estate risk education for incorporated business owners and multi-property owners in British Columbia and Alberta.

Meet Aman Singh Tiwana

Aman Singh Tiwana — NE Capital Estate Risk Education

I am a licensed life insurance agent serving British Columbia and Alberta. NE Capital is the estate risk education platform I built to give incorporated business owners and property investors access to the one number most of them have never been shown — their Section 70(5) tax exposure at death.

I started NE Capital after watching too many families get blindsided by a tax bill they never knew existed. A Surrey construction company owner who built his business over 25 years — his wife had no idea the estate would owe CRA over $847,000 on a $3.2M corporation. A Calgary landlord with four rental properties totaling $2.8M in equity who never calculated the $287,000 in capital gains and CCA recapture on her final return. A pair of Abbotsford business partners whose buy-sell agreement was drafted when the company was worth $500,000 — it was now worth $4.1M, and the agreement was never updated.

In every case, the outcome could have been different. The strategies exist. The tax code provides them. Estate freezes, pipeline planning, alter ego trusts, LCGE multiplication, corporate-owned life insurance. These are not obscure loopholes. They are well-established planning tools that most business owners and property investors have simply never been shown.

That is what NE Capital exists to fix.

Education First. Always.

I do not lead with products. I lead with the math.

Every conversation starts the same way: I show you your estimated Section 70(5) tax exposure — the number your estate will owe CRA on your corporate shares, your properties, or both. I use current BC and Alberta tax rates, actual worked examples, and plain language.

If the number is small and manageable, I tell you that. If the number is large and you are unprotected, I show you the strategies that reduce it and the insurance solutions that fund it. You decide what to do.

"I believe that when someone understands their actual exposure — when they see the number — the right decision becomes obvious."

My job is to make sure they see it while they can still act on it.

What most advisors do

Start with a product. Mention estate planning vaguely. Use generic national numbers. Never show you the specific math for your province, your corporation, your properties.

What NE Capital does

Starts with your number. Uses your provincial rates, your probate fees, your industry. Plain language. Real dollar amounts. Every number verified against current legislation. You decide what happens next.

How I Work

1

Discovery Call

15 minutes

Understand your situation

2

Number Review

30 minutes

Show your Section 70(5) exposure

3

Strategy Session

60 minutes

Walk through your options

4

Implementation

Ongoing

Build and execute the plan

Credentials & Licensing

Licensed Life Insurance Agent

British Columbia & Alberta

Estate Risk Education

Section 70(5) specialist

Based in Surrey, BC

Serving BC & Alberta

NE Capital provides estate risk education — not tax advice, legal advice, or investment management. We work alongside your accountant and lawyer, not in place of them.

The Mission

Section 70(5) of the Income Tax Act applies to every incorporated business owner and every multi-property owner in Canada. It does not care whether you know about it. It does not care whether you have planned for it. It triggers automatically at death.

There are approximately 280,000 incorporated businesses in BC and Alberta. There are 450,000 to 590,000 multi-property owners across both provinces. According to national surveys, roughly 70% of Canadians have no estate plan at all.

NE Capital's mission is to close that gap — one business owner, one property investor, one discovery call at a time. Not by selling. By educating.

The strongest legacy is the one your family never has to fight for.

Frequently Asked Questions

Are you a tax accountant?

No. I am a licensed life insurance agent. I work alongside your accountant and lawyer to quantify your estate tax exposure and fund the solution they cannot provide.

Do I need to own a corporation?

No. Section 70(5) applies to all capital property. If you own rental properties, a vacation home, or commercial real estate, you have an exposure worth calculating.

What does a review cost?

Nothing. The 15-minute review is free with no obligation.

Do you replace my existing advisors?

No. I coordinate with your accountant and lawyer. They handle tax filing and legal documents. I handle the estate risk math and the insurance solution.

What if I am in Alberta instead of BC?

I am licensed in both provinces and know both tax codes. Alberta has lower rates and capped probate but the Section 70(5) exposure still applies.

NE Capital operates under NE Financials Inc. Insurance products provided through World Financial Group. This content is educational and does not constitute tax, legal, or financial advice. Consult qualified professionals for advice specific to your situation.

Ready to See Your Number?

15 minutes. Your specific Section 70(5) exposure. Current BC or Alberta rates. No obligation.

Book a Free 15-Minute Review Or take the 90-second scorecard →

NE Capital operates under NE Financials Inc. Insurance products provided through World Financial Group. This content is educational and does not constitute tax, legal, or financial advice. Consult qualified professionals for advice specific to your situation.