The beneficiary: “Kyle” is a 69-year-old retired business owner who lives in Northern Ontario. “Go a few hours south and then you’ll hit North Bay,” he says, laughing. One of seven siblings, Kyle is a happily married family man with three kids and a gaggle of grown grandchildren who keep this boomer couple always busy and on the move.

The inheritance: Last year, Kyle’s mother passed away at age 96. With co-operation from his siblings, he had been managing his mom’s finances for 15 years, winding down her remaining RRIF and several GICs that were laddered out over her final years. Even as the family finance manager, the contents of the will – which was rewritten a few times over the years – were largely unknown. “I was privy to some of the information in the will, but not all of it,” Kyl

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