Estate Planning and Support Services
Helping our members and their loved ones feel supported when they need it most.
Planning for the future is one of the greatest gifts you can give to the people you care about most. With thoughtful estate planning, you can protect your legacy, bring peace of mind to your loved ones, and feel confident knowing your wishes are understood.
At Kawartha, we take the time to understand your needs today and in the years ahead. Whether you’re preparing your own estate or serving as an executor for a loved one, our personalized approach ensures you feel informed, supported, and in control each step of the way.
Explore our Estate Planning Services
Estate Planning
Estate planning is a process to establish the management and distribution of your assets after you pass away. It covers guardianship, medical decisions, and even digital assets. It also involves appointing individuals to carry out your wishes.
Kawartha's advisors can help you develop a comprehensive estate plan to protect your assets and minimize unnecessary expenses, while reducing the potential for legal difficulties and family disputes.
Formal Trust Accounts
A formal Trust is a legally binding arrangement, created by a lawyer, that governs how assets are managed and distributed for your benefit and your beneficiaries. A formal Trust is especially useful when you want to protect assets, support a beneficiary with special needs, or reduce tax and administrative costs.
Depending on your needs, we help assess the role of a Trust in your situation, work with your legal professionals, and integrate the Trust into your overall financial plan.
Power of Attorney Support
A Power of Attorney (POA) gives someone you trust authority to act for you if you can't manage your financial or health decisions. Without a POA, your loved ones may face delays or lack authority to act when you need help most.
If you are considering adding a POA to your account or if you've been appointed a POA for a Kawartha member, our advisors will review your POA documents, help link your financial accounts, and ensure the right authorities are in place.
Estate Administration Support
Executors or Estate Trustees have an important role to play in ensuring an estate plan is executed as intended. If you’ve been named executor or estate trustee, you are responsible for making sure the person’s wishes are carried out – taxes filed, paperwork complete, estate closed.
We are committed to providing reliable support throughout the estate administration process with compassion and empathy. We will help you navigate each step with care and provide guidance throughout the process.
Probate
Probate is the legal process that validates a will and ensures it is executed according to the wishes of the deceased. In Ontario, probate is required when the deceased owned assets such as real estate, investments, large account balances, other valuables, etc. Probate is also required when the deceased has passed away without a will.
We can help you identify assets that could require probate and connect you with estate lawyers or services to streamline the process.
Estate Planning, Financial Planning and Retirement Planning are connected. Our advisors will help ensure your plans achieve your long and short-term financial needs.
Talk to a Kawartha advisor today!
No matter where you are in your estate planning process, or what role you play in someone else’s estate, the best way to start is to have a conversation.
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Effective January 1, 2026, Kawartha Credit Union Limited will amalgamate with Libro Credit Union Limited.
On this date, Kawartha Credit Union Limited will begin operating as Kawartha Financial Services, a division of Libro Credit Union Limited.
On this date, Kawartha Credit Union Limited will begin operating as Kawartha Financial Services, a division of Libro Credit Union Limited.