Estate planning in Ontario: everything your family will need
If something happened to you, could your family in Ontario actually find and act on everything — the will, the accounts, your health wishes? This is a plain-English guide to the documents that matter here, what the Ontario terms really mean, and how to make sure nothing is lost.
The core documents in Ontario
- Your will — who inherits, and who you name as your estate trustee to carry it out.
- Continuing Power of Attorney for Property — lets someone manage your money and property if you can't.
- Power of Attorney for Personal Care — lets someone make your health and personal-care decisions if you can't.
If you die without a will in Ontario
Without a valid will, Ontario's intestacy rules — not you — decide who inherits and who settles your estate. That usually starts with your spouse and children in shares set by law, and if you have no close family it can eventually pass to the government. It also means a court, in effect, decides who is put in charge. Making a will and keeping it findable is how you stay in control. Confirm the exact shares and process with a lawyer.
Where your family will actually look
The hardest part after a death usually isn't the law — it's finding things. Your family will need to know where your will is (and whether it's with your lawyer), where your Continuing Power of Attorney for Property and Power of Attorney for Personal Care are, your bank and investment accounts, your insurance policies and named beneficiaries, and your final wishes. If any of that lives only in your head, it can take weeks to piece together — or be lost entirely.
- A will you've reviewed in the last few years
- Your Continuing Power of Attorney for Property
- Your Power of Attorney for Personal Care
- Named, up-to-date beneficiaries on your RRSP/TFSA and insurance
- A chosen estate trustee who knows they're named
- Everything recorded in one place your family can reach
Get your Ontario family ready
Meravor keeps your will, accounts, documents, and wishes in one private, encrypted place your family can actually find. Start free.
Questions Ontario families ask
What is a Power of Attorney for Personal Care in Ontario?
In Ontario, a Power of Attorney for Personal Care is the document that lets someone you trust make health and personal-care decisions for you if you can't make them yourself. It's separate from your Continuing Power of Attorney for Property, which covers your finances and property.
What happens if I die without a will in Ontario?
Without a valid will, Ontario's intestacy rules decide who inherits and who administers your estate — usually starting with your spouse and children in shares set by law. Making a will, and keeping it findable, is how you stay in control. Confirm the exact shares with a lawyer.
Is Meravor available in Ontario?
Yes. Meravor is built for families across Canada, including Ontario, and uses Ontario's own terminology.
Where should I keep my will in Ontario?
Keep the original somewhere safe — often with your lawyer — and make sure the people who'll need it know where it is. A findable copy or a clear note of its location matters as much as the document itself.
Keep reading
- What to do when someone dies in Canada
- The Canadian estate-planning checklist
- Your digital legacy checklist
- Other provinces: Quebec · Alberta · British Columbia · Saskatchewan · Manitoba · Nova Scotia
This page is general information to help Ontario families spot gaps — it is not legal, tax, or financial advice, and it is not tailored to your situation. Terminology and rules can change; confirm specifics with a qualified lawyer. Meravor is not a law firm.