Advisor Help Centre

ClearEstate is a technology company that offers a one-stop-shop platform for estate planning and settlement. Its state-of-the-art technology allows it to offer flat-fee plans for estate planning and settlement at a fraction of the cost of traditional routes. Estate planning services include expert guidance and implementation of wills, POAs and trusts, and planning for advanced needs. Estate settlement services include filing for probate, assets and liabilities inventory, terminal and clearance tax filings, and professional executors.

We're proud to be backed by prominent Canadian institutional investor, OMERS Ventures, launchpad Diagram, which is backed by one of the largest Fintech funds in the world, Portag3 and NA Ventures, the venture capital arm of the National Bank of Canada.

The ClearEstate team is composed of customer service specialists, trust officers, paralegals, will and estate attorneys, and estate and tax accountants. Combined, they have decades of professional experience helping and serving clients in all matters related to estate planning and estate settlement.

ClearEstate uses bank-level encryption technology and two-factor authentication to ensure sensitive data is always secure. Download ClearEstate's Security & Compliance datasheet.

ClearEstate does not offer legal advice (for example, litigation) or financial advice.

For most cases, legal advice won’t be required. However, if during the 30-minute free consultation we identify that there is a unique need that cannot be accommodated, ClearEstate will suggest a relevant professional.

The online will offer is not available in Quebec. It is available in English only in all other Canadian provinces.

Simply click here and either choose to schedule a 30-minute consultation on behalf of your client, or complete the form to send the referral information directly to ClearEstate for follow-up.

During the consultation, ClearEstate will ask questions to understand the client’s needs and better and recommend or confirm suitable service options. If the client chooses to purchase a service plan, they will be given access to the ClearEstate platform to schedule an introductory meeting and start the estate planning or administration process with ClearEstate.

Depending on the nature of your practice, there are several ways.

a. Routine update meetings provide an ideal platform to inquire about the status and recentness of a client’s will and power of attorney documents, their executor selection and estate distribution plan. By recognizing and addressing this need during these regular interactions, it not only avoids the need for scheduling an additional meeting but also paves the way for proposing a complimentary consultation with ClearEstate.

b. Insurance planning or renewal consultations represent an opportunity to segue into a discussion about estate planning. These meetings typically revolve around crucial matters like protecting the client’s family, assets and legacy. This conversation creates a natural transition to discuss ClearEstate’s offerings. Ensuring a clear alignment between the client’s estate planning documents and their financial strategies is of paramount importance. Emphasizing this during the conversation could enhance the client’s understanding and acceptance of comprehensive financial protection.

Yes. With the client’s permission, you may participate in their free consultation and their introductory meeting with ClearEstate.

Yes. If the client consents to share this information with you, you’ll be able to have “view only” access to the client’s ClearEstate Client Platform.

ClearEstate is equipped to serve a wide range of Canadians, based on the complexity of estate needs, including those who prefer a DIY approach and require only an online will, as well as those who seek guided assistance. We suggest using the diagnostic tools to determine the most suitable option for clients.

ClearEstate's offerings are built to handle 99.9% of the clients that want to use our services. However, there is a .1% of clients whom we are unable to serve.

This group is comprised of clients with significant complexity requiring highly specialized legal and tax advice. This often relates to people with highly unique business interests and people whose business interests span on a multi-national level.

Examples of clientele that cannot be served by ClearEstate:

• Your client has recently transitioned to a senior officer position in their company which is publicly traded. The client holds interests in the company and is looking to update their estate plan to reflect their new position. Complexity arises from the client requiring highly specialized tax planning as well as special considerations concerning corporate and securities legislation, depending on the significance of the interest-stock exchange rules.
• You identify that one of your clients has yet to draft an estate plan. The client is a major shareholder in businesses in Canada, the United States and South America. Your client will need specialized estate planning as the estate rules and laws vary from country to country. Your client will need planning expertise in those countries to ensure their interests can be met and to draft any supporting documentation required to execute their interests in those countries.
• A client has mentioned that they need to update their estate plan. This client has a partial interest in a joint venture comprised of multiple different business entities. The complexity for the client involves matching the interests of the planner with the interests of the involved parties. These interests tend to evolve, and over time consensus is often difficult to obtain regarding how a venturer's exit strategy. This is further compounded when your client has multiple different ventures that they are involved in.

How can ClearEstate help in these situations?

Although we cannot directly serve these clients, we can still facilitate a connection to the right partner who can. ClearEstate can bridge the gap between identifying the complexity and detailing the complexities to an external partner.