Every incorporated business owner and multi-property owner in BC and Alberta has a specific Section 70(5) exposure — a number that represents the estimated tax their estate will owe CRA. Most have never seen it. In 15 minutes, we'll show you yours.
We estimate your Section 70(5) deemed disposition tax based on the value of your corporation, properties, or both — using current BC and Alberta tax rates.
We identify whether your current planning addresses the double taxation risk, buy‑sell coverage, estate liquidity, and whether your LCGE is being used or wasted.
We outline available strategies — pipeline planning, estate freezes, alter ego trusts, corporate‑owned insurance — so you can discuss next steps with your professional team.
Focused conversation. No filler.
Education first. Your number, explained.
You decide what to do with the information.
Aman Singh Tiwana · Licensed Life Insurance Agent — BC & Alberta · NE Financials Inc.
Pick a time directly, or request a call back and we'll reach out within 1 business day.
Construction, trades, professional corporations, real estate companies. A $3M BC corporation could face $2.27M in estate tax without proper planning.
Rental portfolios, vacation properties, commercial real estate. Every property beyond your principal residence triggers capital gains tax at death — plus CCA recapture at the full marginal rate.
Many business owners also own rental or vacation properties. The combined exposure on a $3M corporation plus investment properties can exceed $560,000 in tax and probate.
Yes, completely. We offer this as an educational service to help business owners and property investors in BC and Alberta understand their estate tax exposure. There is no catch and no obligation.
Just approximate numbers: the estimated value of your corporation or properties, roughly what you paid for them, and your province. We don't need financial statements, tax returns, or detailed records for this initial review.
Subsection 70(5) of the Income Tax Act deems you to have sold every capital asset — corporate shares, rental properties, vacation homes, commercial real estate — at fair market value immediately before death. The capital gains tax is due on your final tax return even though nothing was actually sold. This is the "blind spot" most business owners and property investors have never been shown.
Our first priority is showing you your number. If life insurance makes sense as part of a funded solution — particularly corporate-owned policies or joint last-to-die coverage — we will explain why and how. But the review itself is purely educational. You walk away with your number regardless.
Absolutely — that is actually the most important conversation to have. The combined exposure on corporate shares plus investment properties is often the largest number, and most owners have never seen the total. We will walk through both in the same 15 minutes.
I am currently licensed in British Columbia and Alberta only. If you are in another province, I am happy to provide educational resources and point you toward qualified advisors in your area.
Not ready to talk?
The Legacy Scorecard covers both corporate shares and property holdings in one assessment. Eight questions. 90 seconds. See your estate risk level on screen — no email required.
Take the Legacy ScorecardNE 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.
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