{"id":1428,"date":"2020-10-10T09:00:22","date_gmt":"2020-10-10T09:00:22","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/?p=1428"},"modified":"2021-04-21T18:29:19","modified_gmt":"2021-04-21T18:29:19","slug":"death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/","title":{"rendered":"Death and Probate Planning: Minimizing the Estate Administration Tax (a.k.a., \u201cProbate\u201d)"},"content":{"rendered":"<p>There is a famous quote by Benjamin Franklin that nothing in life \u201ccan be said to be certain, except for Death and Taxes.\u201d Although death is inevitable, certain strategies may be undertaken to minimize taxes and ensure that as much of your estate goes to your intended beneficiaries as possible. Today, we will consider Probate Fees, which are a type of Tax (or Fee) levied provincially on assets owned at death.<\/p>\n<p>What is Probate?<\/p>\n<p>When it comes to handling the assets within your estate, probate has a couple of meanings. \u201cTo probate\u201d is the process by which a Will is authenticated and the<\/p>\n<p>Executor(s) named in your Will is confirmed under the provincial court of law.<\/p>\n<p>After the Will has been probated, the Executor(s) has the legal authority to administer your assets as per the instructions in your Will. If you do not leave a Will, the probate process is combined with a more complicated court process to appoint an Executor to settle your estate. Provincial legislation will then dictate how to distribute your assets (which may be inconsistent with your actual estate intentions &#8211; this is one of the key reasons it is important to have a Will).<\/p>\n<p>\u201cProbate Fees\u201d are the levies\/taxes paid from your estate to the Ministry of Finance. Specifically, for Ontario individuals, the Estate Administration Tax (Ontario)<\/p>\n<p>(\u201cEAT\u201d) (formerly known as \u201cProbate Fees\u201d) is the tax charged on a deceased\u2019s estate&#8217;s total value.<\/p>\n<p>These Probate Fees are separate, and in addition, to income taxes which may be payable when an individual dies under the \u201cDeemed Disposition\u201d income tax rules which apply at death.<\/p>\n<p>Probate Fees are calculated based on the total value of all assets you own individually (with a few exceptions) at the time of death. Once the courts probate your estate, the Executor(s) can distribute the estate\u2019s assets as per the terms of your Will.<\/p>\n<p>&nbsp;<\/p>\n<p>Which Assets are Subject to Probate?<\/p>\n<p>The estate consists of all assets owned by the deceased at the time of death, including:<\/p>\n<ul>\n<li>Bank accounts;<\/li>\n<li>Investments;<\/li>\n<li>Real estate;<\/li>\n<li>Cars;<\/li>\n<li>Jewelry;<\/li>\n<li>Business Interests<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>How are Probate Fees Calculated?<\/p>\n<p>The probate process and its subsequent fees vary depending on the province where you live and hold assets.<\/p>\n<p>In Ontario, as of January 1, 2020, Probate Fees have been eliminated on the first $50,000 of the estate&#8217;s value. For estate values in excess of $50,000, Probate Fees apply at 1.5% on the estate&#8217;s value. For example, the current probate<a href=\"https:\/\/www.attorneygeneral.jus.gov.on.ca\/english\/estates\/calculate.php\">\u00a0Fees<\/a> on a $1M estate would be $14,250.<\/p>\n<p>&nbsp;<\/p>\n<p>The Probate Fees on a $10M estate would be $149,250.<\/p>\n<p>&nbsp;<\/p>\n<p>How can I Minimize my Probate Fees?<\/p>\n<p>Probate Fees can be minimized through proactive planning to ensure that more of your wealth goes to those you love.<\/p>\n<p>Firstly, it is important to name a beneficiary (other than your estate) on RRSPs, RRIFs, TFSAs, and insurance policies to ensure that these assets transfer \u201coutside\u201d of your estate to your named beneficiaries, thereby avoiding Probate.<\/p>\n<p>Joint Ownership With Rights of Survivorship with a spouse on bank accounts and property is also an effective way to keep these assets outside of the probate process and in the hands of your spouse.<\/p>\n<p>You could gift assets to family members while you are alive, but unless the assets have no accrued gain (like cash), a capital gains tax liability may be triggered on the transfer. Moreover, when gifting assets, it is important to remember that you will lose control after the asset has been transferred, and you do not want to gift anything away that you may need later on in life.<\/p>\n<p>Lastly, the use of Multiple Wills (e.g., if you hold private company shares), nominee corporations for real estate, and setting up certain types of trusts(e.g., Alter Ego \/ Joint Partner Trusts) while you are alive may be other options to help minimize the assets held in your estate upon death and thus minimize your Probate Fee liability.<\/p>\n<p>&nbsp;<\/p>\n<p>What are some of the Common Tips and Traps with Probate Planning?<\/p>\n<p>When considering Probate Planning options, it is important to ensure that the strategy is aligned with your overall estate intentions and does not result in unintended consequences.<\/p>\n<p>It is not uncommon for individuals (who may not seek out professional advice and are Do-It-Yourself planners) to attempt to \u201cbypass\u201d the 1.5% Probate Fee at death but inadvertently trigger an immediate ~27% capital gains tax bill.<\/p>\n<p>Individuals have transferred assets into \u201cjoint accounts\u201d with adult children intending to avoid probate in other situations. Unfortunately, the use of joint accounts (with adult children) can be fraught with potential challenges. Specifically, in the absence of clear documentation, the question may arise after the transferor&#8217;s death as to what was the \u201ctrue intention\u201d of the transferor in putting the account into a joint name with someone else? Did the transferor intend to make a gift of the property, or was it done for other reasons, such as avoiding probate or ease of managing the asset? Such situations can lead to significant family conflict and expensive estate litigation.<\/p>\n<p>In summary, with any Probate Planning, it is crucial to \u201cnot let the (probate) tax dog wag the planning tail\u201d.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There is a famous quote by Benjamin Franklin that nothing in life \u201ccan be said to be certain, except for Death and Taxes.\u201d Although death is inevitable, certain strategies may be undertaken to minimize taxes and ensure that as much of your estate goes to your intended beneficiaries as possible. Today, we will consider Probate [&hellip;]<\/p>\n","protected":false},"author":57,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[19,27],"tags":[],"class_list":["post-1428","post","type-post","status-publish","format-standard","hentry","category-read","category-redefine-your-legacy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Death and Probate Planning: Minimizing the Estate Administration Tax (a.k.a., \u201cProbate\u201d) - The Rosedale Family Office<\/title>\n<meta name=\"description\" content=\"There is a famous quote by Benjamin Franklin that nothing in life \u201ccan be said to be certain, except for Death and Taxes.\u201d Although death is inevitable,\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Death and Probate Planning: Minimizing the Estate Administration Tax (a.k.a., \u201cProbate\u201d) - The Rosedale Family Office\" \/>\n<meta property=\"og:description\" content=\"There is a famous quote by Benjamin Franklin that nothing in life \u201ccan be said to be certain, except for Death and Taxes.\u201d Although death is inevitable,\" \/>\n<meta property=\"og:url\" content=\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/\" \/>\n<meta property=\"og:site_name\" content=\"The Rosedale Family Office\" \/>\n<meta property=\"article:published_time\" content=\"2020-10-10T09:00:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-04-21T18:29:19+00:00\" \/>\n<meta name=\"author\" content=\"The Rosedale Family Office\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"The Rosedale Family Office\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/\"},\"author\":{\"name\":\"The Rosedale Family Office\",\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#\/schema\/person\/07eb350a2932a04a627f8973ea81c8c2\"},\"headline\":\"Death and Probate Planning: Minimizing the Estate Administration Tax (a.k.a., \u201cProbate\u201d)\",\"datePublished\":\"2020-10-10T09:00:22+00:00\",\"dateModified\":\"2021-04-21T18:29:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/\"},\"wordCount\":875,\"publisher\":{\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#organization\"},\"articleSection\":[\"Read\",\"Redefine your Legacy\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/\",\"url\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/\",\"name\":\"Death and Probate Planning: Minimizing the Estate Administration Tax (a.k.a., \u201cProbate\u201d) - The Rosedale Family Office\",\"isPartOf\":{\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#website\"},\"datePublished\":\"2020-10-10T09:00:22+00:00\",\"dateModified\":\"2021-04-21T18:29:19+00:00\",\"description\":\"There is a famous quote by Benjamin Franklin that nothing in life \u201ccan be said to be certain, except for Death and Taxes.\u201d Although death is inevitable,\",\"breadcrumb\":{\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Death and Probate Planning: Minimizing the Estate Administration Tax (a.k.a., \u201cProbate\u201d)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#website\",\"url\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/\",\"name\":\"The Rosedale Family Office\",\"description\":\"The Rosedale Family Office\",\"publisher\":{\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#organization\",\"name\":\"The Rosedale Family Office\",\"url\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/wp-content\/uploads\/sites\/7\/2022\/01\/Rosedale_Vector_Logos_Crest_Logo.png\",\"contentUrl\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/wp-content\/uploads\/sites\/7\/2022\/01\/Rosedale_Vector_Logos_Crest_Logo.png\",\"width\":1354,\"height\":1816,\"caption\":\"The Rosedale Family Office\"},\"image\":{\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#\/schema\/person\/07eb350a2932a04a627f8973ea81c8c2\",\"name\":\"The Rosedale Family Office\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/da0629704641959ee1c25efc97aea47b6504542c807973df4421cb182c3d2464?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/da0629704641959ee1c25efc97aea47b6504542c807973df4421cb182c3d2464?s=96&d=mm&r=g\",\"caption\":\"The Rosedale Family Office\"},\"url\":\"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/author\/therosedalegroup\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Death and Probate Planning: Minimizing the Estate Administration Tax (a.k.a., \u201cProbate\u201d) - The Rosedale Family Office","description":"There is a famous quote by Benjamin Franklin that nothing in life \u201ccan be said to be certain, except for Death and Taxes.\u201d Although death is inevitable,","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/","og_locale":"en_US","og_type":"article","og_title":"Death and Probate Planning: Minimizing the Estate Administration Tax (a.k.a., \u201cProbate\u201d) - The Rosedale Family Office","og_description":"There is a famous quote by Benjamin Franklin that nothing in life \u201ccan be said to be certain, except for Death and Taxes.\u201d Although death is inevitable,","og_url":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/","og_site_name":"The Rosedale Family Office","article_published_time":"2020-10-10T09:00:22+00:00","article_modified_time":"2021-04-21T18:29:19+00:00","author":"The Rosedale Family Office","twitter_card":"summary_large_image","twitter_misc":{"Written by":"The Rosedale Family Office","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/#article","isPartOf":{"@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/"},"author":{"name":"The Rosedale Family Office","@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#\/schema\/person\/07eb350a2932a04a627f8973ea81c8c2"},"headline":"Death and Probate Planning: Minimizing the Estate Administration Tax (a.k.a., \u201cProbate\u201d)","datePublished":"2020-10-10T09:00:22+00:00","dateModified":"2021-04-21T18:29:19+00:00","mainEntityOfPage":{"@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/"},"wordCount":875,"publisher":{"@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#organization"},"articleSection":["Read","Redefine your Legacy"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/","url":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/","name":"Death and Probate Planning: Minimizing the Estate Administration Tax (a.k.a., \u201cProbate\u201d) - The Rosedale Family Office","isPartOf":{"@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#website"},"datePublished":"2020-10-10T09:00:22+00:00","dateModified":"2021-04-21T18:29:19+00:00","description":"There is a famous quote by Benjamin Franklin that nothing in life \u201ccan be said to be certain, except for Death and Taxes.\u201d Although death is inevitable,","breadcrumb":{"@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/2020\/10\/10\/death-and-probate-planning-minimizing-the-estate-administration-tax-a-k-a-probate\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/"},{"@type":"ListItem","position":2,"name":"Death and Probate Planning: Minimizing the Estate Administration Tax (a.k.a., \u201cProbate\u201d)"}]},{"@type":"WebSite","@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#website","url":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/","name":"The Rosedale Family Office","description":"The Rosedale Family Office","publisher":{"@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#organization","name":"The Rosedale Family Office","url":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#\/schema\/logo\/image\/","url":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/wp-content\/uploads\/sites\/7\/2022\/01\/Rosedale_Vector_Logos_Crest_Logo.png","contentUrl":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/wp-content\/uploads\/sites\/7\/2022\/01\/Rosedale_Vector_Logos_Crest_Logo.png","width":1354,"height":1816,"caption":"The Rosedale Family Office"},"image":{"@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#\/schema\/person\/07eb350a2932a04a627f8973ea81c8c2","name":"The Rosedale Family Office","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/da0629704641959ee1c25efc97aea47b6504542c807973df4421cb182c3d2464?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/da0629704641959ee1c25efc97aea47b6504542c807973df4421cb182c3d2464?s=96&d=mm&r=g","caption":"The Rosedale Family Office"},"url":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/blog\/author\/therosedalegroup\/"}]}},"_links":{"self":[{"href":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/wp-json\/wp\/v2\/posts\/1428","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/wp-json\/wp\/v2\/users\/57"}],"replies":[{"embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/wp-json\/wp\/v2\/comments?post=1428"}],"version-history":[{"count":3,"href":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/wp-json\/wp\/v2\/posts\/1428\/revisions"}],"predecessor-version":[{"id":1432,"href":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/wp-json\/wp\/v2\/posts\/1428\/revisions\/1432"}],"wp:attachment":[{"href":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/wp-json\/wp\/v2\/media?parent=1428"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/wp-json\/wp\/v2\/categories?post=1428"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/rosedalefamilyoffice\/wp-json\/wp\/v2\/tags?post=1428"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}