Is this the outcome you'd choose?
A will costs a fraction of what this uncertainty costs your family. Swift works with your estate lawyer on the tax side — wills, spousal rollovers, and corporate assets.
Book a Consultation →The Law Has a Will for You — You Just Didn't Write It
Roughly half of Canadian adults don't have a will. When that happens, Alberta's Wills and Succession Act dictates who inherits — a rigid formula that ignores what you would have wanted, who needs it most, and what's tax-smart.
The Results That Surprise People
- All to your spouse, nothing to the kids — if all your children are also your partner's, they inherit nothing directly
- Blended families split by formula — your partner gets the greater of $150,000 or half; children from a prior relationship share the rest
- Stepchildren get nothing — unless legally adopted, they are invisible to intestacy law
- 18-year-olds get lump sums — a minor's share is released in full at 18, with no trust and no strings
- No executor of your choosing — someone must apply to the court for a grant of administration, adding cost and months of delay
Where Tax Meets the Estate
Intestacy also wrecks tax planning. Dying without a will can forfeit the spousal rollover on capital property and private-company shares — accelerating a tax bill your family didn't need to pay yet. If you own a corporation, this interacts with everything in our guide on corporate-owned life insurance and the tax at death.
What a Will Buys You
- You choose who inherits — and protect a blended family fairly
- You choose your executor and your children's guardian
- Trusts and staged payouts instead of lump sums at 18
- The spousal rollover and estate tax planning preserved on purpose
- Faster, cheaper administration for the people you leave behind
How Swift Helps
We're accountants, not lawyers — and that's the point. Our estate planning team models the tax at death, coordinates the spousal rollover and corporate assets, and works alongside your estate lawyer so the will they draft is tax-smart, not just legally valid.