It takes courage to look wrong early and be right in the long run™
ADRIAN C. SPITTERS
Estate and cross-border planning
Put the Transfer Decisions in Order Before the Family Faces Them Under Pressure.
Bring the right people and decisions together so your wishes can be carried out across generations and borders.
A will is important, but it does not make every financial choice work. Ownership, beneficiaries, insurance, available money, company records, and family instructions all affect the result. The laws of more than one country may also apply.
We organize the full picture and bring in the right legal, tax, insurance, and cross-border specialists. We keep the choices connected and help the work move forward.
Nearly four decades of advisory experience. One advisor who understands the whole picture. Independent specialists when needed.
Who We Help
Families updating wills, powers of attorney, beneficiaries, or plans for a future transfer.
Business owners, farmers, and property owners whose estate includes assets that may be hard to divide or sell.
Canadian families with U.S. property, accounts, citizenship, family members, or other ties.
Families planning charitable gifts or preparing the next generation to manage wealth.
What We Help You Work Through
Create one list of assets, debts, owners, beneficiaries, companies, trusts, and key documents.
Estimate the tax, debt, and other costs that may arise after death.
Check whether the estate will have enough available money at the right time.
Find ownership or beneficiary details that may conflict with the intended plan.
Assign legal, tax, insurance, investment, and cross-border questions to the right specialists.
Documents Must Match the Financial Plan
A will may say one thing while a beneficiary form, company agreement, or joint account produces another result. We help list these details so the lawyer and other specialists can see how the pieces may work together.
The Estate Needs Money as Well as Assets
An estate may own valuable land, a business, or long-term investments and still lack the money needed for tax, debt, family payments, or costs. That can force a sale or create conflict.
We help estimate the need and review possible sources, including available cash, insurance, borrowing, or a planned sale.
Cross-Border Ties Change the Questions
U.S. property, citizenship, residence, accounts, companies, or family members can bring added rules. These may cover tax, reports, and the estate. Advice that works in one country may cause a problem in the other.
We do not replace cross-border lawyers or tax professionals. We collect the facts, bring the right people together, and keep the advice connected.
A Legacy Includes People and Purpose
Passing on wealth is not only about moving assets. Families may need to prepare future decision-makers, explain the purpose of the wealth, and decide how charitable giving fits the plan.
What a Stronger Position Looks Like
You have one clear list of decisions, the right specialists are involved, and the family can see what must happen next.
What Happens Next
Start with a confidential conversation. Tell us what you own, what is changing, and where you need greater clarity.
Organize the whole picture. We identify the key facts, gaps, risks, and decisions that need attention.
Set the next steps. We help put the work in the right order and bring in independent specialists when needed.
When this decision needs estate, succession, or ownership coordination, Adrian can introduce you to Peter J. Merrick, TEP® at Merrick Wealth™.
Each practice is responsible for its own services, agreements and applicable disclosures. Any referral arrangement and compensation are disclosed where applicable. View relationship disclosures
Continue the Research
U.S./Canada Cross-Border Living Can Be a Taxing Pain - maps common sources of cross-border financial, reporting and estate friction
More to Philanthropy Than Writing a Check - reframes legacy as a transfer of values as well as assets
The Five Pillars of Succession Security™ - connects liquidity, ownership and transfer readiness
The Liquidity Gap™ - tests whether estate obligations can be paid without forced action
The Integrated Succession Architecture™ - coordinates capital, authority, people and timing
Explore the complete Reset Report library: Research | Frameworks | White Papers
Related PFC Wealth Solutions
Why Work With Us
We serve as the central point for the plan. We organize the facts, keep the work moving, and help each professional see how their advice affects the family.
Adrian C. Spitters, CFP®, FCSI®, CEA, is President and Private Wealth Advisor of PFC Wealth Solutions™ through Performance Financial Consultants Ltd. Since entering financial services in 1987, he has advised business owners, professionals, farmers, retirees and multigenerational families through repeated market, credit and economic cycles. He leads the family's planning and investment architecture, coordinates the appropriate independent professionals and helps ensure that every recommendation serves a defined role within the whole balance sheet. He is co-author of It Starts With Gold™ and co-founder of The Merrick Spitters Reset Report™.
Frequently Asked Questions
Question 1: Do you replace our estate lawyer?
No. We organize the facts and bring in the right legal, tax, insurance, and cross-border specialists.
Question 2: Why does a U.S. tie change the plan?
U.S. property, citizenship, residence, accounts, companies, or family members can add tax, reporting, and estate rules that do not apply in Canada alone.
Question 3: Is a will enough?
A will is important, but ownership, beneficiaries, insurance, available money, company records, and family instructions also affect the result.
Question 4: What happens after the first conversation?
We organize the facts, name the gaps, and set the next steps in order. You choose whether to continue.
Take the Next Step
If your family, assets, or advisers cross generations or borders, we can help put the decisions and the professional team in order.
If you would rather keep learning first, subscribe for independent analysis on structural risk, ownership, liquidity, markets, succession and continuity. Every subscription includes the weekly Reset Report and a complimentary digital copy of It Starts With Gold™.
PFC Wealth Solutions™
Financial Planning and Insurance Advice
Adrian C. Spitters is a licensed insurance agent and President of Performance Financial Consultants Ltd., the licensed insurance agency through which his insurance business is conducted. PFC Wealth Solutions™ is a trade name of Performance Financial Consultants Ltd.
Information on this website is general and does not constitute financial, investment, insurance, legal or tax advice, or an offer or solicitation.
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Insurance business is submitted and processed through MAX Financial Ltd. and applicable insurers.
Investment & Portfolio Relationships
Securities Advice
Adrian C. Spitters provides securities advice in his separate capacity as a Dealing Representative of Axcess Capital Advisors Inc. Any discretionary portfolio-management services are provided by independent portfolio managers under separate agreements.
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Direct precious-metals introductions may be made to New World Precious Metals under a separately disclosed referral arrangement.
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