You’ve worked hard to run a successful business and build your wealth. The question now? How to hand it over—not purely in terms of money but as a vibrant legacy that thrives long after you’ve moved on. It’s ensuring that the roots you planted grow into something strong, purposeful, and enduring. It’s your children securing their first home. It’s your business being entrusted to capable ownership.
At Black Belyea Private Wealth Management, we take your wealth and future-proof it. No guesswork. No broken links. Everything moving forward, seamlessly.
The Great Wealth Shift
Canada is poised for a transformation—a huge amount of wealth, trillions of dollars, is in the process of transitioning from baby boomers to the next generation.
But here’s the catch: without careful planning, this handover can go sideways fast. Taxes gnaw away at what’s rightfully yours. Mismanagement spirals wealth into oblivion. Family disputes fracture what should bind tighter.
Through strategies sharp enough to cut through chaos, we ensure that your wealth survives this shift fully intact.
Family Discussions
Talking about inheritance, money in general, can be uncomfortable. But avoiding these conversations? That can lead to problems down the road.
We orchestrate conversations that don’t feel like walking on eggshells. They feel honest and open. We get to the core of the issue: What do you want your wealth to mean? Who does it serve? And how do we ensure the people you love the most are ready to handle it?
What We Get Into:
The Distribution Debate
Fair doesn’t always mean equal.
Caring, Long-Term
Trusts, lump sums, or a little of both—we build strategies built to safeguard your family’s financial future.
The Bigger Picture
How does your wealth honour your life and values?
Plans That Live and Adapt
A will is important but it’s only a checkpoint, not a compass. To safeguard a legacy, you need strategy—a dynamic, evolving approach that keeps pace with your life.
Our planning doesn’t stop at “who gets what.” It anticipates the unexpected, thrives on change, and evolves to meet whatever life decides to throw.
Estate Planning
Cutting taxes down to size. Ensuring assets land exactly where they’re meant to.
Insurance Planning
Liquidity when it’s needed most. Breathing room for loved ones in moments of upheaval.
The Legacy of Your Business
For many families, wealth is inextricably tied to a business—a venture built from the ground up, layer by layer, with sacrifices you couldn’t even begin to tally.
As your Saint John financial advisor and financial planner, we specialize in smooth handoffs, whether the business stays in the family or finds a new home.
How We Keep It Together:
Succession Planning
Identifying the right owner and preparing them for the responsibility.
Maximizing Value
Ensuring your business is set up to fetch the most possible value at the time of sale.
Tax Strategy Like No Other
Keeping the Canada Revenue Agency from pocketing more than it should.
Unbroken Continuity
Operations remain steady, even as the reins change hands.
Keeping Your Wealth Intact
Taxes are the quiet saboteurs of legacy planning, sneaking into corners you thought were secure.
We help you keep more of your hard earned wealth: Strategic withdrawals, leveraged credits, and income splitting that cuts down liability—we use every tool at our disposal to ensure your wealth stays exactly where it should be: in your family’s hands.
Preparing Heirs for Wealth
Wealth transfers aren't just about cash. They’re about education. Empowerment. Ensuring that the people stepping into your shoes know how to walk in them.
We help prepare families—teaching them, guiding them, and ensuring they understand what it means to carry a legacy forward.
Your Legacy Starts Here
Your wealth is more than money—it’s years of work, nights of worry, and a vision of something greater. At Black Belyea Private Wealth Management in Saint John, we make sure that vision remains intact.
Ready to see your wealth do more? To build a legacy that inspires confidence, connection, and enduring strength? Reach out today.