Yes it may be effective in Ontario and I am in the process of working through this for my mother’s estate. Just so you know, probate in Ontario is based on BENEFICIAL ownership. So this strategy will ONLY work if no probate application otherwise needs to be submitted at all. If one asset is forgotten (ie one bank account in the deceased’s name only), then ALL assets need to be included on the probate application, including anything owned beneficially such as joint bank accounts and property. Most people don’t know this and in the wake of the new Bare trust disclosure, probate planning can easily become compromised.