See the problem before choosing the solution.
Coverage & Continuity
How much capital would the family, the business, and the estate each actually require?
Three obligations, three different decisions, separated so each can be sized on its own terms.
Explore the analysis →What Your Business Owes at Death
How much tax is quietly embedded in the shares of a private company?
The exemption is valuable only if the shares continue to qualify.
The largest bill a family may ever receive can arrive the day an owner dies. The first step is knowing what it could be.
Explore the analysis →Estate Equalization
When one child inherits the business, what makes the others whole?
Each heir receives approximately $3.15M. The business stays whole. Assumes a $900K liquid estate, $450K of tax at death, and the remainder divided equally among all three heirs.
Fair and equal aren't the same thing. This sizes the gap between them, and the insurance that closes it.
Explore the analysis →Shareholder Funding Gap
Is there enough capital to actually fund a shareholder buyout?
The agreement determines what should happen. The funding determines whether it can.
A funding gap is not automatically an insurance need. But it is always a question worth answering before a triggering event arrives.
Explore the analysis →Figures shown are illustrative examples, not estimates for any individual, and do not constitute tax, legal, or financial advice.
Work through a planning question.
Ask a question about business continuity, ownership, insurance, succession, estate liquidity or family wealth.
A planning question is usually a good place to start.
Ask Sheldrake answers your question, asks for the details that matter, and keeps a record of what needs professional review.
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Important information
Ask Sheldrake is an educational planning tool. It uses automated technology to explain planning concepts and to organize the information you provide. It does not provide insurance quotations, sell or bind insurance, recommend specific insurers or products, or give legal, tax, accounting or investment advice, and using it does not create an advisor-client or other professional relationship.
Calculations are indicative, based solely on the figures you enter, and are not valuations or insurance needs analyses. Any insurance recommendation should follow an individual needs-based analysis by a licensed advisor. Tax and legal rules change; confirm anything that matters with your accountant and lawyer.
Please do not enter health information, names, account or policy numbers, or other identifying details; approximate figures are enough. Your messages are processed by an artificial-intelligence service provider, and the facts you describe are organized into planning notes and a brief. Conversations are stored securely to operate and improve the service and are handled as described in the privacy statement. Zachary Sikorski is licensed to provide life and accident & sickness insurance in the Province of Ontario. Insurance products and services are provided through Sheldrake Group Inc. O/A Sheldrake Group, licensed to transact insurance in Ontario only.
Explains the planning issue in plain language, runs simple indicative calculations with the working shown, and organizes the facts into a brief you can keep or send.
Quote, sell or recommend insurance, interpret your agreement or will, or give tax or legal advice. Those decisions belong with licensed professionals, at the table together.