The Most Loving Hour of Paperwork

Nearly half of Canadian adults do not have a will.

That number is not hard to believe. Too many families end up in the aftermath of an unplanned death without one. And in almost every case, the person who died was simply busy, well-intentioned, and certain they would get around to it eventually. Reckless or negligent had nothing to do with it.

Picture how this plays out. A man in his mid-forties loses his father and discovers, in the weeks that follow, that grief is only part of what he has inherited. His father had a house in Ontario, an RRSP that had grown to somewhere north of $120,000, two bank accounts, and a modest life insurance policy. He had no will. No powers of attorney. No beneficiary named on the RRSP. His common-law partner of twelve years was not legally married to him, and under Ontario's intestacy rules, she had no automatic claim to any of it. The estate went to probate. The adult children from his first marriage (one of whom had not spoken to his father in years) were suddenly legal heirs. The common-law partner had to hire a lawyer and fight for what she had spent twelve years building alongside the man she loved.

On top of the grief, the son was tangled up in bureaucracy and family conflict and legal fees that were all, entirely, preventable.

His father, a responsible man in every other way, had simply never gotten around to the paperwork. He kept meaning to. There was always something more pressing.

There always is.

This article is my attempt to help you not be that family.

One thing before we go further: this is not legal advice. I am a pastor, not a lawyer. The documents I am describing (wills, powers of attorney, beneficiary designations) need to be prepared properly, with legal help, for your specific provincial situation. What I can do is walk you through what these documents are, why they matter, and what happens when they are missing. The rest is between you and a qualified estate lawyer.

What Estate Planning Is Really For

That is the reframe most people need before they can hear anything else.

We avoid this subject because it feels morbid. Planning for your death seems like dwelling on something dark, or, for the slightly superstitious among us, like inviting it. I have had men tell me they do not have a will because they do not want to think about dying. I understand the impulse, even though I do not share it.

Here is what I think estate planning actually is.

It is the most loving hour of paperwork you will ever do.

When you sign a will, you are doing something for the people you leave behind. You are refusing to abandon your family at the worst moment of their lives. You are saying, before anything happens: "I have thought about this. I have made decisions. You do not have to figure it out from scratch in the middle of grief." There is nothing morbid in that. It is simply what provision looks like when it extends past the edge of your own life.

Proverbs 13:22 says that a good man leaves an inheritance for his children's children. We tend to read that verse as being about wealth, about the accumulation and transfer of financial assets. But the deeper idea is about intentionality. A good man thinks ahead. He does not leave the people he loves with a second tragedy after the first, a bureaucratic wreckage stacked on top of grief, because he could not find an afternoon and a few hundred dollars to do the planning. A signed will is one of the signs of a good provider that have nothing to do with your salary.

1 Timothy 5:8 puts it even more directly: "Anyone who does not provide for their relatives, and especially for their own household, has denied the faith and is worse than an unbeliever." Paul is talking specifically about provision for aging parents, but the principle underneath it is unmistakeable: failing to make real, concrete provision for the people in your care is not a small oversight in God's economy. Stewardship does not end at the edge of our lives. It extends through them.

What Happens When You Die Without a Will in Ontario

If you die without a will in Ontario (what lawyers call dying "intestate"), the Succession Law Reform Act steps in and decides who gets what. The rules are fixed, impersonal, and often a shock to families who assumed things would be sorted out sensibly.

If you are married with children, your spouse receives the first $350,000 of your estate (the "preferential share"), and the remainder is split between your spouse and children in set proportions. That sounds reasonable until you consider that in most Ontario families with a mortgage and some savings, the estate may be worth more than $350,000 on paper but consist mostly of illiquid assets: a house that cannot be divided. Your spouse may be entitled to half of the remainder in law and unable to access any of it without a prolonged legal process.

If you are common-law, your partner receives nothing under the Succession Law Reform Act. Nothing. Not the house you shared. Not the savings account. Not the RRSP, if there is no beneficiary named. She can go to court and make a claim, but that is expensive, contested, and uncertain. That is exactly the scenario from the opening of this article: a common-law partner of twelve years receives nothing automatically while adult children who had barely been present divide the estate.

If you have minor children and no surviving spouse, and no guardian named, the courts decide who raises them.

Let that one land for a moment.

The court does not know your family. It does not know your faith, your values, or who your children are closest to. It will do its best. But your children's future (who raises them, what home they grow up in, what faith they are brought up in) gets decided by a judge who has never met them, because you did not take an afternoon to write it down. Read that again with a face attached to it. That is your son or your daughter.

Why Dying Without a Will Is a Decision You Are Already Making

A will is a legal document that says, in your own terms: here is what I own, here is who gets it, here is who is in charge of distributing it, and here is who raises my kids if I cannot.

The will names three categories of people.

Your executor is the person who administers your estate after your death. They file your final tax return with the CRA, pay your outstanding debts, distribute your assets, and close your accounts. This is a real job. It can take months, sometimes longer. The CRA's T4011 guide ("Preparing Returns for Deceased Persons") gives a sense of what an executor is walking into. It is not light reading. Choose someone who is organized, trustworthy, and capable of dealing with lawyers and institutions under emotional pressure. Being your closest friend does not automatically make someone the right executor. Name an alternate too.

Your guardian is the person who raises your minor children if both you and your spouse are gone. This is the reason most young parents finally get around to making a will. The moment you hold your child and realize, with a clarity you did not expect, that you would not want a court making this choice: that is when the appointment gets booked. Have the conversation with the person you are naming before you put it in the will. Do not surprise them. Think carefully about whether the person best suited to raise your children is also the person best suited to manage their inherited money, because those can be separate roles, and keeping them separate often protects the relationship between the guardian and the children.

Your beneficiaries are the people or organizations who receive your estate. Name primary beneficiaries and contingent beneficiaries: what happens if a primary beneficiary dies before you do. If you are leaving money to minor children, you will likely want it held in a trust until they reach a certain age rather than handed over directly at eighteen. The will can establish that trust.

One thing most people in Ontario do not know: if you made a will before you got married, your marriage automatically revokes it. That is the current law under the Succession Law Reform Act. You need a new will after every major life change: marriage, divorce, birth of a child, significant acquisition of assets, death of a named executor or beneficiary. The will you signed at twenty-six may not reflect what you want at thirty-eight.

Powers of Attorney: The Documents That Work While You Are Still Alive

Your will only takes effect when you die.

Consider a family where the husband has a severe stroke at fifty-two. He had a good will. He had named an executor. He had named a guardian for his kids. But he had no powers of attorney. His wife could not access their joint investment account without a court order, because the institution froze it pending legal authorization. That process took four months. Four months of legal fees and stress and uncertainty, on top of everything else she was carrying, while he was in hospital.

In Ontario, you need two separate documents.

Power of Attorney for Property authorizes a person you choose to manage your finances while you are alive but incapacitated. They can access your bank accounts, pay your mortgage, file your taxes, manage your investments. Without this document, your family may have to apply to the court to be appointed your "guardian of property," which takes time, costs money, and is significantly more painful than signing a piece of paper while you are well. Incapacity is also the scenario disability insurance exists for; the documents and the income protection solve different halves of the same problem.

Power of Attorney for Personal Care authorizes someone to make medical decisions on your behalf if you cannot make them yourself, including, at the extreme end, end-of-life decisions. Without it, those decisions default to family members in a priority order set by law, which may not match your wishes and may create conflict among the people who love you most at the worst possible moment.

These two documents can name the same person or different people. Many couples name each other for both. But think carefully about the personal care attorney in particular. This person may be making some of the hardest decisions imaginable, under the worst possible circumstances. Choose someone with the emotional steadiness and the moral alignment to carry that weight.

Beneficiary Designations: The Oversight That Undoes Everything Else

Here is the thing that catches almost every family off guard.

Your RRSP, your TFSA, your RRIF, and your life insurance policy all pass outside your will. They do not go through your estate at all. They go directly to whoever you have named as beneficiary on each account, regardless of what your will says. If your RRSP still has your mother listed as beneficiary from when you opened the account at twenty-four and single, and you have since gotten married and had children, your mother receives your RRSP when you die. Your will cannot override it. The beneficiary designation on the account is the controlling document.

This kind of oversight creates genuine family pain, and it happens with nobody acting maliciously at all. Someone simply never thought to update a form.

As a general rule: name your spouse as primary beneficiary on your RRSP and TFSA, and your children (or a trust for your children if they are minors) as contingent beneficiaries. Assets that pass directly to a named beneficiary bypass probate entirely: your family gets the money faster and without the Ontario estate administration tax, which runs at 1.5% of the estate's value over $50,000. On a $500,000 estate, that is $6,750 in fees. On assets that pass directly to named beneficiaries, you pay none of it. Updating a form costs nothing.

If you have life insurance, pull out the policy and check who is named. The Christian life insurance guide for Canada walks through the basics of how life insurance fits into the broader picture of provision for your family. And if you are not sure the coverage amount itself is right, our life insurance needs calculator takes about five minutes.

If you haven't yet had a full, honest conversation with your spouse about what you own and what you owe, the money and marriage guide is a good place to start, because your estate plan is only as useful as your spouse's ability to navigate it when she needs to.

When to Use a Lawyer, and When an Online Service Is Good Enough

The honest answer is: most people should use a lawyer for their will.

If you have any complexity at all (minor children, significant assets, a business, a blended family, property in more than one province, a family dynamic that requires careful thought), you need a qualified estate lawyer. The cost of a simple will package in Ontario typically runs $500 to $1,500. Given that you are protecting your family's home, your RRSP, your life insurance, and your children's future, this is not a significant expense relative to what it protects.

If your situation is genuinely simple (you are young, your only major assets are a TFSA and some savings, you have no children, and your estate is straightforward), Canadian online will services like Willful or Epilogue produce valid legal documents at a lower price point. Willful starts at around $99 for a basic will. They are not substitutes for legal advice when things are complicated, but for a very simple situation, they are infinitely better than nothing. I promise the provincial government is not going to make this easier just because you waited longer.

Whatever you do: do not use an American will template from the internet. Estate law is provincial. A document drafted for another jurisdiction is not valid in Ontario.

A Plan You Can Actually Finish This Month

This does not have to be complicated. It just has to actually get done.

Step 1: Inventory your assets this weekend. Before any lawyer appointment, know what you own. RRSP balance, TFSA balance, any other investment accounts, life insurance policy value, home equity (rough estimate: market value less mortgage balance), vehicles, any significant personal property. Liabilities too: mortgage balance, any outstanding loans. One page. This is what you bring to the lawyer, and what your executor will need later.

Step 2: Check your beneficiary designations this week. Log into every registered account or call your provider. Check who is named. If it is out of date, or if there is no beneficiary named at all (which means the funds go through your estate and through probate), update it. This step costs nothing and takes an hour. If you are not sure how your RRSP and TFSA accounts work in the broader context of your retirement plan, the TFSA vs RRSP guide is a useful companion.

Step 3: Have the guardian conversation before you book anything else. Talk to the people you are thinking of naming before you put it in writing. Make sure they are willing. Think about whether your choice of guardian and your choice of financial trustee should be the same person.

Step 4: Book the lawyer appointment. Call an estate lawyer in your city and book a will consultation. Ask about their process for wills and powers of attorney together. Most lawyers offer a package. If cost is a genuine barrier, look at Willful or Epilogue for a simple situation. But do not avoid this step because you assume it will be expensive.

Step 5: Tell your executor and your spouse where everything is. After the documents are signed, write down their location. Where is the will? Where are the powers of attorney? Where are the insurance policies? Where are the account numbers?

A perfectly drafted will does your family no good at all if nobody can find it when the day comes.

A Short Pastoral Word

My wife and I put this off too, in our own way. We told ourselves we would get the documents started when one of two things happened: we bought a house, or we had a kid.

Then we found out we were having a baby the same week we put an offer on the house we now live in.

Both triggers landed at once, and suddenly the question stopped being theoretical: if something happened to both of us, what would happen to her? Who would raise her? Who would get the call? So we did the work: wills, powers of attorney, the designations. I would love to tell you it felt momentous. Mostly it felt like paperwork. But a particular kind of quiet settles over a house once it is done.

Guilt is not the point. I am telling you this because I know the inertia is real (I have lived it), and what usually breaks that inertia is the moment the stakes turn personal, more than any amount of information.

Think of the son from the opening of this article, the one who watched his father's estate become a legal dispute while a twelve-year partner fought for what she had helped build. If that man does what his father did not, here is roughly how it goes: he finishes his own will. Names an executor. Names a guardian for his kids. Updates every beneficiary designation. Has the powers of attorney signed. Three weeks, start to finish.

And he would tell you afterward that he kept expecting it to be this enormous thing, and it just wasn't.

The whole thing comes down to an afternoon, a lawyer's appointment, and a decision to love your family past the edge of your own life. You do it less out of obligation than because you have settled, quietly, on the kind of man you are going to be.

That is what a good man does.

I am not a lawyer. This article is for general information purposes only and is not legal advice. Estate law varies by province. Please consult a qualified estate lawyer in your province for documents specific to your situation.