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Jim & Heather Scott

7150 Hawthorne Dr. Unit 104
Windsor, ON, N8T 3N3

Phone: (519) 974-6688
Toll Free: +1 866-973-4846
Fax: (519) 974-7192

What is a Trust?

A trust is a legal arrangement where an owner (Settlor) transfers property or assets to a trustee that may be an individual or a financial institution. The trustee manages the assets or property for the beneficiary who may receive income, assets or property from the trust. A trust that takes effect after your death is called a Testamentary Trust, while one set up while you are alive is called a living or Inter Vivos Trust. The primary purpose of a trust is to transfer ownership of assets to your beneficiaries while maintaining control over the assets.

Inter Vivos trusts can be used in estate planning in a variety of ways:

Testamentary trusts can be used to:
  • Protect property and assets from creditors.
  • Minimize incomes tax owing at death by freezing the value of investments or business shares.
  • Provide income to a spouse or child while retaining control of the capital.
  • Reduce probate fees.
  • Designate funds for a specific purpose such as education expenses or the purchase of a first home.
  • Provide for and manage funds left to a person not fully capable of handling his/her own affairs.
  • Ensure that assets are passed to children from a prior marriage rather than all being passed to the second spouse's beneficiaries.
  • Reduce probate fees.


Mutual funds are offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through Seguin Financial Group Ltd. Seguin Financial Group is a trade name used for both mutual fund & Insurance business activities. Banking products and services are offered through referral.