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.

We support all Canadian provinces coast to coast, as well as some jurisdictions in the United States including California, Arizona, Nevada, New York, Tennessee and Texas.

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 product is not available in Quebec. It is available in English only in all other Canadian provinces.

Alternatively, you can send your client this booking link (clearestate.com/IGclient), where they can schedule the consultation themselves. To access preferred pricing, clients must use the link provided by IG.

IG Wealth Management has negotiated preferred pricing with ClearEstate for its estate settlement and estate planning services, as well as online will creation. ClearEstate will provide clients with a quote for the service offering upon completion of the initial consultation meeting. Preferred pricing includes a 10% discount on all solutions except online wills, which have a 20% discount. Pricing brochures can be found in the Resources section of this page and shared with clients.

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.

Upon acceptance of the service offering from ClearEstate, the client will decide whether to grant their IG Advisor access to their information on the ClearEstate Client Platform.

Should the client grant access, you can choose your level of involvement, ranging from attending meetings with ClearEstate and the client to solely reviewing the information uploaded by the client on the ClearEstate Client Platform. Please note, you’ll only be able to see client estate plans if the client grants you access.

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. The referral flow offers a tool to help you match your clients to the best solution for their situation.

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.

ClearEstate is equipped to serve a wide range of Canadians based on the complexity of their estate needs, including those who prefer a DIY approach and require only an online will and those who seek guided assistance. However, some solutions might not be available for Quebec-specific clients. The referral flow offers a tool to help you match your clients to the best solution based on their situation and location.

The passage of Bill 34 by the Chambre de notaires du Québec necessitates a minor difference in the estate planning process for clients in Quebec. The legislative update requires that all notarial wills and protection mandates, while still signed digitally, be executed in person before a notary, with limited exceptions.

As such, after completing the initial stage of the planning process with ClearEstate, clients will meet virtually with our external notary partner, Cain Lamarre, to review and verify their plan. Subsequently, an in-person meeting with the notary will be arranged for the client to sign their notarial will and protection mandate.

In 2024, ClearEstate entered into a partnership with Quebec-based law firm Cain Lamarre. With over 300 legal professionals including lawyers, notaries, and tax experts located across the province of Quebec, Cain Lamarre is active in all areas of law, particularly trusts and estates. Cain Lamarre serves as a key partner to provide external professional services in notarial matters and estate law to meet the needs of our Quebec-based clients.

Creating a team allows all members to share access to client accounts. If one team member invites a client, others within the same team will automatically have visibility and access to that client’s vault and details, fostering seamless collaboration.

Teams should be created by the lead advisor or principal of your practice to ensure centralized oversight of team settings, roles, and membership. Assistants may use the lead advisor’s information to create a team on their behalf.

Important: The lead advisor should always hold the Admin role within the team structure.

Yes. You can invite both new users and existing ClearEstate users.

Your referrals will automatically transfer to the first team you join, ensuring all leads are carried over to the shared workspace.

Yes. You’re welcome to create or be part of multiple teams if it fits your workflow.

This is your private referral space. It’s visible only to you and can be used for referrals you wish to keep separate from your team.

You can log in to your vault and revoke data-sharing consent at any time. Your name will still appear in the referral list, but your vault will remain private.

Members have full access to client files. Admins have all Member permissions, plus the ability to manage team membership and settings (rename or delete the team). It is best practice for lead advisors to hold the Admin role within the team structure.

You’ll be prompted to reassign any referrals tied to the team either back to yourself or to their original referrers before deletion is finalized.

Their referrals will be retained by the team, ensuring no disruption to ongoing client work.

Your ClearEstate Partner Relations Manager is here to help. Reach out anytime for assistance or guidance by contacting igquestions@clearestate.com.