Joint ownership, named beneficiaries, and other paths that bypass probate—sometimes

Assets that pass by survivorship or contract can leave the estate smaller on paper, which may reduce probate exposure but also shifts who receives value outside the will’s residue clause.

Adding a child jointly to a home for “convenience” can create unintended gift and tax consequences; documenting intent matters, and legal advice is often warranted.

Beneficiary designations on TFSAs, RRSPs, and insurance should align with the will to avoid one document defeating the other.

Disclaimer: This page is for general education only and is not legal advice. Rules vary by province and change over time; speak with a qualified lawyer about your own circumstances.

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