Trusted Risk Management to Protect Wealth for Generations

Wealth creates opportunity, but it also introduces complexity, where risks extend beyond investment performance. Litigation, taxation, family transitions, reputational concerns, and the challenges of blended households, if left unaddressed can erode capital and weaken the legacy you have built.

At Our Family Office, risk management is not an afterthought; it is the foundation of preserving wealth across generations. We take a comprehensive approach to safeguarding your family’s capital by carefully evaluating the potential impact of life events and unforeseen risks. We develop a deep understanding of your family’s values and priorities, assess financial exposures, identify vulnerabilities, and implement strategies to mitigate risks before they affect your long-term financial security.

How Effective Risk Management Can Help Your Family

Affluent Canadian families face unique sets of risks. Tax exposure is often among the most significant, whether from CRA audits, shifting trust and estate rules, or the complexities of holding assets across borders. Litigation risk, reputational pressures, and the challenges of blended households or multi-generational decision-making can also threaten both wealth and family harmony. Without deliberate planning, these risks can lead to unnecessary conflict, diminish capital, and weaken the legacy intended for future generations.

A disciplined risk management framework addresses these realities by putting protective structures in place before challenges arise. This may involve designing tax-efficient ownership models, ensuring liquidity through well-structured insurance, or establishing trusts that secure continuity across generations. It also means revisiting strategies regularly as family circumstances, laws, and global dynamics change. By approaching risk management in this way, families not only preserve wealth but also create the stability and confidence needed to focus on opportunity and growth.

Our Risk Management Services

• Risk Assessment: We systematically identify and evaluate potential threats that could impact your financial well-being. By analyzing both personal and market-related risks, we consider investment volatility, economic changes, legal liabilities, and unforeseen life events and deliver tailored strategies to mitigate the potential impact of these risks.
• Asset Protection: We help structure ownership in ways that minimize exposure to unforeseen events and protect family capital.
• Tax Risk Management: Taxation brings both opportunity and risk, so we address compliance and audit challenges while ensuring your planning remains responsive to evolving legislation.
• Insurance Planning: We carefully review existing insurance coverage to ensure it reflects current needs and family objectives. Beyond providing protection, insurance can be one of the most powerful planning tools available to wealthy families. When structured effectively, insurance creates liquidity, tax efficiency, and secures continuity.
• Asset Allocation Review: We review your family’s overall investment allocation to ensure it reflects your objectives and tolerances for risk. Concentrated holdings, illiquid positions, or outdated strategies can increase vulnerabilities especially in times of market stress.
• Review of wealth management costs: A comprehensive review of your wealth management costs ensures that every expense aligns with your financial objectives and protection strategies. By analyzing the cost-effectiveness of investment management, insurance, and asset protection measures, we can help you safeguard against potential risks while optimizing your portfolio.
• Due Diligence on Advisors: The quality of your professional advisors matters, which is why we provide independent oversight and confirm that your team is independent, capable, and aligned with your family’s values.

Expert Risk Management Solution to Meet Your Unique Needs

At Our Family Office we take the time to understand your family’s dynamics, values and long-term objectives. This approach allows us to design strategies that address not only the risks from financial exposure but the personal and intergenerational risk that affect continuity.

We monitor strategies over time, adapting them as market conditions shift, laws change and as life events occur. This disciplined and proactive approach you gain the confidence that your family’s wealth is protected, resilient, and capable of supporting future generations.

Risk Management Solutions to Protect Canada’s Ultra High Net Worth Families

The team at Our Family Office is committed to maintaining an unwavering focus on our client families, their long-term wealth preservation objectives, and their peace of mind. To learn more about how we can help you, please contact us at 416-304-9800 or by completing the online form.