Tatenda explains what an IPP is (a defined benefit pension plan designed for business owners and incorporated professionals) and why it can be a powerful alternative to an RRSP for the right person. They cover who typically qualifies, why age and salary structure matter, and how IPPs can offer higher contribution room, tax-deductible funding through a corporation, tax-sheltered growth, and even early income splitting opportunities.

They also dive into key planning questions like:

• How IPPs compare to RRSPs and corporate investing
• What happens to an IPP if you sell your business
• Setup and ongoing costs (and what’s included)
• Common misconceptions about IPPs being “too complex” or “too rigid”

If you’re an incorporated professional or business owner with strong corporate cash flow and you’re looking for a more efficient way to build retirement wealth, this is a must-listen.

Interested in seeing if an IPP fits your plan?

Reach out to Jason and the Three60 Wealth team to explore whether it makes sense as part of your overall financial strategy.

You’ll learn:

• How a spousal trust can provide lifetime security for a spouse while preserving assets for children from a previous relationship
• Why insurance planning is often the missing piece to balance inheritances and cover tax liabilities
• How choosing the right executors and trustees can prevent delays, resentment, and unnecessary legal battles
• Why clear communication (sometimes with a neutral facilitator) is one of the most important steps to keeping the peace

Jason also explains why planning gets more complex for business owners and holding company structures, and where to start if you want a clear, finished plan that reduces stress for everyone involved.

In this episode, Jason Nagel breaks down why adding a child as a joint owner of your family cabin can trigger unexpected capital gains taxes, misuse your principal residence exemption, expose the property to your child’s creditors, and disrupt your estate plan altogether.

You’ll learn:

• Why adding a child to title can create an immediate tax liability
• The hidden creditor and divorce risks many families overlook
• Why your will may no longer work the way you expect

If you own recreational property or are thinking about passing assets to the next generation, this episode highlights why proper tax and estate planning is essential before making any ownership changes.

Learn more about our Family Office approach at:

https://three60wealth.ca/family-office/

Follow Family Office Insider for practical planning insights designed to help business owners and families protect what they’ve built.

In this episode, Jason Nagel breaks down the key financial and estate planning considerations families need to think about if they want their cabin to stay in the family and avoid unnecessary stress, tax surprises, or sibling disputes.

Jason walks through the real issues that often get overlooked, including capital gains tax at death, how to fund ongoing maintenance and major repairs, and what happens when children are in very different financial or life stages. He also explains why leaving a cabin equally to all children is not always the fairest solution and how thoughtful planning can prevent resentment down the road.

Finally, Jason shares why a co-ownership agreement, created while parents are still alive and with input from the kids, can be one of the most effective tools to preserve family harmony and protect the legacy of the property.

This episode is especially relevant for business owners and families who want to protect what they have built, plan intentionally, and pass down assets with clarity instead of conflict.

In this episode, you will learn:

• How capital gains tax applies to family cabins in Canada
• Why lack of liquidity can force a cabin sale after death
• How a “cabin fund” can prevent future financial stress
• When equal ownership may not be fair ownership
• How co-ownership agreements help avoid family disputes

If keeping the family cabin in the family matters to you, this is an episode you will not want to miss.

In this episode, Jason Nagel breaks down the difference between eligible and ineligible dividends in simple, practical terms. He explains how corporate tax rates impact the type of dividend you receive, why some dividends are taxed more favourably than others, and how Canada’s tax integration system is designed to balance corporate and personal taxes over time.

Jason also explores the real advantage of the small business corporate tax rate, not as a permanent tax savings, but as a powerful tax deferral strategy that allows business owners to reinvest, expand, and create flexibility inside their corporation.

This episode will help you have better conversations with your accountant, understand your options more clearly, and make smarter decisions for your business and family.

Key topics covered:

• Eligible vs. ineligible dividends explained
• How corporate tax rates affect personal taxes
• The concept of tax integration
• Why the small business tax rate creates deferral opportunities
• Strategic considerations for Canadian business owners

For educational purposes only. Always consult your professional advisors before implementing tax strategies.

But while the opportunity is powerful, it’s also widely misunderstood. Jason walks through the essential mechanics, including how discretionary trusts allocate capital gains, why promissory notes matter, and what really happens when you use a child’s exemption. He also highlights the often-overlooked administrative burdens - from annual trustee resolutions to meticulous expense tracking - that can quickly become overwhelming if you’re unprepared.

Most importantly, Jason shares practical guidance on when it does make sense to use your children’s exemptions, and when it doesn’t.

If you're planning a future business sale or want to ensure your trust structure is being used properly, this episode offers the clarity you need to understand both the advantages and the responsibilities of this advanced tax strategy.

Using a real 28-year retirement scenario, Jason and Austin compare two portfolios, one with higher average returns but higher volatility, and another with more stability. The results are surprising and reveal why many DIY investors unintentionally put their retirement at risk by chasing performance.

They dive into:

• How volatility can permanently reduce your retirement income

• Why higher returns don’t always mean better outcomes

• The emotional traps that derail DIY investors

• How professional guidance can help protect your lifestyle in retirement

This episode is a must-listen for business owners preparing for retirement, recent sellers, or anyone who wants clarity around how markets actually impact retirement income.

Connect with Austin: avrabel@cclgroup.com

Learn more about Three60 Wealth: three60wealth.ca

Max shares his journey from lifelong entrepreneur to M&A advisor and explains how business owners can use acquisitions not only to exit successfully, but to grow the value of their companies long before a sale. Together, they explore:

• What “wealth harvesting” versus “wealth creation” really means
• How to know if your business is ready to acquire another company
• What banks look for when financing acquisitions (including how 100% financing can work)
• How to identify the right type of company to buy
• The keys to seamless integration — culture, org charts, leadership, and real risk mitigation
• Why many owners who think they’re ready to sell may actually be primed for growth instead

Whether you're planning an exit, considering expansion, or simply want to understand the real mechanics behind small-business M&A, this conversation offers a practical, insider’s look at how entrepreneurs can build meaningful long-term value.

If you’d like to connect with Max, his contact details are included in the episode notes.

To learn how Three60 Wealth helps business families and physicians maximize their life’s work, visit three60wealth.ca.

Most business owners know about the Lifetime Capital Gains Exemption and the $1.25M tax-free advantage. But far fewer understand how AMT can create a surprise tax bill, and how smart planning can help you recover it over time.

Jason simplifies this complex topic and walks you through:

• Why AMT exists and how it applies when you sell your company
• Why using the LCGE can trigger an unexpected tax bill
• The seven-year window to recover AMT, and how to actually get it back
• Why taxable income in retirement matters (and why RRSPs aren’t the bad guy)
• The types of income that help you reclaim AMT… and the ones that don’t

If you’re a business owner planning an exit - now or years from now - this episode will help you avoid a major (and unnecessary) tax surprise.

Listen now to protect yourself, plan smarter, and keep more of your hard-earned wealth.

You’ll learn the four key reasons why families and business owners set up a trust:

1. Protecting assets from creditors
2. Income splitting with beneficiaries
3. Streamlining corporate structures and cash flow
4. Multiplying the capital gains exemption to save hundreds of thousands in tax

Jason also shares a real-life story of a business owner who missed out on nearly $900,000 in potential tax savings by waiting too long to plan. It’s a tough lesson and a powerful reminder: the best time to set up your structure is before you need it.

Whether you’re a business owner, incorporated professional, or planning your family’s legacy, this episode will help you understand how proactive planning can protect your life’s work — and keep more of it in your hands.

Follow Family Office Insider for more insights on how to build, protect, and maximize your wealth.

Jason explains how real financial planning is about partnership, adaptability, and reaching your summit — whether that’s retirement, selling your business, or passing on your legacy. Learn why having a professional Sherpa by your side can make the difference between falling short and achieving your life’s biggest financial goals.

If you’re within five to ten years of selling your business or planning your next big chapter, visit Three60Wealth.ca/planning to explore how Three60 Wealth can help guide your journey.

#FinancialPlanning #BusinessOwners #WealthManagement #RetirementGoals #LegacyPlanning #FinancialFreedom #Three60Wealth #JasonNagel #FinancialAdvice #ExitPlanning

From the myth that “having a will is enough” to the idea that “probate should always be avoided,” Kelsey brings clarity and real-world insight from her legal practice. Together, Jason and Kelsey discuss:

• Why a complete estate plan involves more than just a will
• The challenges of naming multiple executors (and how to avoid family conflict)
• How probate works differently across provinces, and why it’s less of a concern in Alberta
• The hidden pitfalls of “simple wills” when families assume everything will go smoothly
• Whether DIY wills and online kits can really protect your family’s legacy

If you’re a business owner or family decision-maker looking for peace of mind, this conversation will help you understand the importance of thoughtful estate planning, and how working with the right professionals can protect your family’s future.

Jason explains why simply relying on RRSPs (Registered Retirement Savings Plans) can create unexpected tax burdens at age 71 and 72, and why diversifying across multiple income streams—such as holding companies, non-registered accounts, CPP, and OAS—is essential for tax-efficient retirement income.

Discover:

• The pitfalls of over-contributing to RRSPs
• Why holding companies (hold cos) offer greater flexibility in retirement
• How proactive planning ensures you minimize taxes and maximize your financial freedom
• Why investment returns alone are not enough without a strategic retirement plan

If you want to understand how to structure your retirement income effectively, avoid unnecessary taxes, and set yourself up for long-term success, this episode is for you.

Take our 20-question self-assessment to see how proactive your planning really is: three60wealth.ca/planning

#RetirementPlanning #BusinessOwners #WealthManagement #RRSP #HoldCo #FinancialFreedom #TaxPlanning #RetirementIncome #ProactivePlanning #Three60Wealth

In this episode of Family Office Insider, Jason Nagel shares the cautionary story of a successful family who over-invested in RRSPs and ended up facing a massive retirement tax problem. You’ll discover:

• Why over-contributing to RRSPs for retirement planning can backfire
• How a holding company investment strategy gives flexibility and control
• The crucial difference between investment advice and true financial planning
• Why tax planning for business owners is more valuable than chasing returns

If you’re a business family within 5–10 years of selling your company — or have recently sold — this episode will help you avoid costly mistakes and take control of your financial future.

Learn more at Three60wealth.ca.

#FinancialPlanning #BusinessOwners #RRSP #TFSA #HoldingCompany #TaxPlanning #RetirementPlanning #CanadianBusiness #WealthManagement #FamilyOffice #BusinessSuccession

On the surface, this strategy may seem like a simple way to pass assets down. But Jason explains why it often creates more problems than solutions—exposing family wealth to children’s creditors, potential divorce claims, and even lawsuits. You’ll learn:

• Why adding children as shareholders can create creditor and tax risks
• How retirement planning and estate planning intersect for business families
• Why a family trust is often a smarter, safer alternative for intergenerational wealth transfer
• Practical steps to evaluate how much of your HoldCo assets you’ll need for retirement before making ownership changes

At Three60 Wealth, we specialize in helping Canadian business owners and families maximize their life’s work. If you’re within five to ten years of selling your business—or you’ve already sold—this episode will give you clarity and confidence in structuring your wealth.

Learn more about our planning process: three60wealth.ca/planning

Discover how we support business families: three60wealth.ca

#EstatePlanning #BusinessOwners #FamilyTrusts #WealthManagement #FinancialPlanning #BusinessSuccession #HoldCo #CanadianBusiness #RetirementPlanning #IntergenerationalWealth

You’ll learn why proper corporate structuring can save significant tax dollars, how to clean up intercompany loans and debt before a sale, and why organizational structure is key to maximizing valuation. Jason and Darren also unpack the due diligence process - what buyers will be looking for - and how to effectively present the future growth story of your business to attract the best possible offer.

Whether you’re five years or ten years away from selling, this conversation will help you understand the importance of preparing early so you can protect your wealth, avoid costly mistakes, and position your business for a smooth, profitable transition.

• Transitioning to key employees – the pros and cons of structuring ownership transfers internally.
• Passing it down to your children – how family legacy plays into business succession and the risks involved.
• Selling to a third party – why this option can provide the most security, but may create tension with employees or family.

Jason shares the advantages, drawbacks, and real-world considerations for each option, along with why careful planning and open communication with your team, family, and advisors is critical.

If you’re a business owner within five to ten years of selling your company, or have recently sold, this episode will give you clarity and perspective on how to approach your exit strategy.

Learn more at Three60wealth.ca

#BusinessExit #SuccessionPlanning #BusinessOwners #SellYourBusiness #FamilyBusiness #WealthPlanning #Three60Wealth

We cover:

• Why planning your exit from day one increases business value
• How to structure your investment pools for tax-efficient withdrawals after the sale
• The importance of understanding what you need from the sale to reach your retirement goals
• Working with business valuators and brokers to know the true worth of your company
• The role of proper corporate structure in minimizing taxes
• How business consultants can boost value years before you sell
• Cleaning up financials, contracts, and operations to make your company more attractive to buyers

If you want to maximize your after-tax proceeds, protect your wealth, and sell on your terms, this episode is for you.

Learn more at Three60Wealth.ca

#BusinessExit #WealthPlanning #BusinessOwner #TaxPlanning #RetirementPlanning #BusinessValuation #FamilyOffice #BusinessConsulting #SellYourBusiness

You’ll learn:

• When RRSPs make sense, and when they can become a tax trap later in life
• How TFSAs can be used not just for your own benefit, but as a powerful wealth transfer tool
• Why a properly structured holding company can offer tax-free transfers and investment flexibility
• How to coordinate accounts - RRSPs, TFSAs, HoldCos, trusts, and more, to recreate your “paycheque” in retirement

Whether you’re five to ten years from selling your business or you’ve already sold, this episode will help you think strategically about structuring your wealth for the long term.

In this episode, we dive into the key considerations for retired or soon-to-retire business owners with substantial assets in their HoldCos. You’ll learn:

• Why taking all the money out at once is usually not the best move
• How to draw strategically from multiple income sources like RRSPs, TFSAs, trusts, and holding corps
• What to do if your HoldCo holds real estate, and how a family trust might help
• How we help minimize lifetime and estate taxes while maximizing income

If you’ve sold your business or are planning to in the next 5–10 years, this episode will give you clarity on how to plan wisely for the future.

To learn more or connect with our team, visit Three60wealth.ca.

#EstatePlanning #HoldCoStrategy #BusinessExit #WealthPlanning #FamilyOfficeCanada #RetiredEntrepreneur #TaxPlanning #CanadianBusinessOwner #Three60Wealth

You'll hear how we structure the relationship: from quarterly review meetings and our collaborative work board, to seamlessly coordinating with your other professional advisors. Whether you're preparing to sell your business in the next 5–10 years, or you’ve already sold, this episode will show you how our proactive planning approach delivers clarity, confidence, and calm in every season of your wealth journey.

If you're ready for a different kind of planning experience, visit three60wealth.ca to connect with us.

#FamilyOffice #BusinessOwners #WealthPlanning #ExitPlanning #FinancialClarity #CanadianBusinessOwners #GenerationalWealth #FinancialPeaceOfMind #Three60Wealth #HolisticPlanning #HighNetWorthFamilies #WealthStrategy #SellYourBusiness #LegacyPlanning

Jason also shares a powerful tax-saving tip that could save you tens of thousands of dollars, especially if you own multiple properties like a principal residence, family cottage, or rental. Discover why tracking capital improvements and legal costs is essential for minimizing capital gains tax down the road, and how your principal residence exemption may not apply the way you think it does.

Want to know if you're getting advice or real planning? Download our free 20-point checklist at Three60wealth.ca/planning

For more insights, visit Three60wealth.ca

In this episode, we cut through the noise. Jason shares a candid perspective on the right and wrong ways life insurance is being sold to business owners today. He explains why insurance can be a powerful tool - when used correctly - and why the pitch often benefits the advisor more than the client.

If you’ve ever felt unsure whether your current advisor is selling or truly planning, this episode is for you.

Take our free 20-question self-assessment to see whether you're receiving financial advice or a true financial plan. This can be downloaded for free by visiting: Three60wealth.ca/planning

Like what you hear? Follow, share, and subscribe to stay informed.

But here’s the question: How much are you willing to lose if you're wrong?

At Three60 Wealth, we often meet families who believe they're well-planned. They have advisors. They have documents. Everything seems covered. But when we take a closer look, we frequently find gaps, because they’ve received financial advice, not financial planning.

There’s a big difference.

Years ago, Jason met two brothers who ran a successful construction rental company. They had holding companies, shareholder agreements, insurance, and more. On paper, everything looked great. But when Jason reviewed the details, nothing was coordinated. Despite great advisors, their plan wasn’t integrated.

That experience led to the creation of Three60 Wealth, a planning-first firm focused on truly understanding families and helping them make confident, coordinated decisions.

Curious if you’re getting advice or planning?

Take our FREE 20-point self-assessment at:

Three60wealth.ca/planning

It takes just 3 minutes and could change the way you view your current plan.

We’re here when you’re ready.

#WealthPlanning #BusinessOwners #FamilyOffice #Three60Wealth

Jason shares real stories from clients who have experienced the devastating loss of the financially involved spouse, and how proper financial planning, not just advice, can make all the difference. You’ll learn the critical distinction between financial advice, which often focuses on selling products, and financial planning, which is deeply personal, family-focused, and built to support both partners, even in life’s most difficult moments.

Discover how a trusted planning partner can ensure your family’s financial life continues smoothly, no matter what happens. And be sure to check out our free 20-point self-assessment tool to find out whether you’re getting real financial planning or just generic advice.

Download the self-assessment here: three60wealth.ca/planning

Jason shares a real client story; an entrepreneur who sold his business and was left stranded with a generic financial “plan” from a large institution that lacked follow-through and adaptability. His situation highlights why more families are seeking personalized, proactive planning, not just templated advice.

If you've ever wondered whether you're truly being planned for or just advised, this episode will help you see the difference. Plus, learn how to access our free 20-point Financial Planning Checklist to evaluate your current advisor relationship.

Download the checklist at Three60wealth.ca/planning

It only takes 3–5 minutes and could completely change the way you approach your financial future.

If you're unsure whether you're getting advice or real planning, visit Three60wealth.ca/planning to access our free self-assessment tool. It takes just a few minutes and could save you far more.

Jason Nagel breaks down how to tell the difference between the two and why it matters, especially for high-net-worth families and business owners. If your current advisor is only talking to you once a year about your investment returns, you might be missing out on a much deeper and more strategic approach to building and preserving wealth.

To help you assess where you stand, we’ve created a free 20-point checklist that outlines the difference between financial advice and true financial planning. Download it now at: three60wealth.ca/planning

Jason explains how involving your children in meetings with accountants and portfolio managers can demystify financial discussions and help them develop the confidence to make smart decisions. If you're looking for a planning-focused advisory firm that is not focused on product sales, visit three60wealth.ca to book a complimentary consultation.

Listen now to learn how to equip the next generation for success!

Family Office Insider Podcast | Hosted by Jason Nagel

In this episode of the Family Office Insider Podcast, Jason Nagel explores a question that many parents face: Should you gift assets to your children while you're still alive, or wait until your passing?

Jason breaks down the key considerations behind both strategies, including:

• The emotional and educational benefits of gifting during your lifetime
• Tax implications and the concept of deemed disposition
• The impact on your estate size and ultimate tax liability
• Potential creditor risks your children may face

Whether you're thinking about gifting cash, property, or investment accounts, this episode will help you better understand the planning process, and the importance of aligning your decisions with your overall goals and risk tolerance.

If you're interested in a complimentary conversation to see if we're a good fit, visit us at Three60Wealth.ca.

Jason shares practical steps for parents, including:

• Creating a co-ownership agreement with your children
• Establishing a trust fund to cover major cabin expenses
• Setting up a fair usage schedule
• Defining roles and responsibilities for cabin upkeep
• Planning for unexpected financial shortfalls or a child opting out
• Considering the tax implications of passing down the property
• Using insurance and tax strategies to fund future liabilities

Whether your family cabin is a weekend getaway or a multi-generational treasure, this episode provides the insights you need to start meaningful conversations with your loved ones and your estate planning professionals.

Don’t miss this must-listen episode, perfect for any family who wants to preserve their cottage legacy without conflict.

Learn more or connect with us at Three60Wealth.ca

From choosing the right lawyer to understanding tax implications, Jason shares expert insights to help you avoid pitfalls like improper joint ownership and delaying your estate plan. Whether you're just starting or revisiting your plan, this episode will give you the knowledge you need to make informed decisions.

For more insights on wealth and estate planning, visit Three60wealth.ca.

In this episode of the Family Office Insider Podcast, Jason Nagel explores the use of a child’s trust as a powerful estate planning tool. Traditional estate plans often distribute assets to children at set ages, but this approach can leave inheritances vulnerable to lawsuits, divorces, and unintended beneficiaries. A child’s trust provides an alternative, offering asset protection, control, and generational wealth preservation while ensuring your children and grandchildren benefit from your legacy.

Jason breaks down how these trusts work, who they’re best suited for, and why they’re a popular strategy among high-net-worth families.

🔹 Learn how a child’s trust can safeguard your family’s wealth

🔹 Understand the risks of traditional inheritance structures

🔹 Discover how to maintain control over assets for future generations

If you’re looking to protect your family’s financial future, this episode is a must-listen.

Learn more at Three60Wealth.ca

In this episode of Family Office Insider, Jason Nagel explores the powerful estate planning tool of spousal trusts, particularly in the context of blended families.

When individuals with children from previous relationships remarry, ensuring financial security for both their spouse and their children can be complex. A spousal trust provides a strategic way to support your spouse during their lifetime while ensuring your assets ultimately pass to your intended beneficiaries.

Jason breaks down how spousal trusts work, what types of assets can be included, and why they can be a critical part of a well-structured estate plan. If you're looking to protect your family's financial future, this episode is a must-listen.

For more insights on wealth management and estate planning, visit us at Three60wealth.ca. Don't forget to follow the podcast for more expert financial guidance!

In this episode of the Family Office Insider Podcast, Jason Nagel, founder of Three60 Wealth, dives into the complexities of estate planning for families with a family trust. He explains why assets held within a trust are not governed by a will and highlights the importance of appointing the right trustees and creating a letter of wishes to guide them. If you have a family trust, understanding these nuances can help ensure your estate is structured according to your intentions. Listen now to gain valuable insights, and visit Three60wealth.ca to learn more.

How much wealth should you pass on to your children? It’s a question many affluent families grapple with, and the answer isn’t one-size-fits-all.

In this episode, Jason Nagel, founder of Three60 Wealth, explores the balance between leaving a meaningful inheritance and ensuring it has a positive impact. He discusses how family values, your children's financial maturity, and long-term goals play a crucial role in determining the right amount.

Join us as we navigate this complex question, offering insights that may help you address this within your family. If you're looking for guidance in structuring your legacy, visit us at Three60Wealth.ca. to see if we are the right fit for you.

Follow our podcast for more insights on wealth planning and estate planning.

In this episode, Jason explores the risks of having just one spouse control the family's finances while the other remains uninvolved. What happens when the financial decision-maker is no longer there? How can both spouses stay engaged to ensure long-term financial confidence? Learn how proactive planning and shared financial involvement can empower families and create a more secure future.

Tune in for practical guidance, real-world examples, and strategies to help you take control of your wealth. Visit www.three60wealth.ca to see if Three60 Wealth is the right fit for your family’s planning needs.

Tune in to gain clarity and take a more proactive approach to your financial future. If you are looking for more information on planning and investment topics, visit us at: https://three60wealth.ca/

Now, 15 years later, Three60 Wealth has grown into a thriving Family Office based in Calgary, Alberta, helping clients maximize their life's work through strategic, forward-thinking planning. In this episode, I share the story behind my decision to start Three60 Wealth and what drives our mission today. For more information about Three60 Wealth, visit our website: https://three60wealth.ca/

Now, we’re bringing that expertise straight to you! Each episode, we’ll break down key financial topics, answer common questions, and share insights that can help you take control of your financial future.

Whether you're looking for strategies to grow your wealth, preserve your legacy, or make informed financial choices, this podcast is for you.

Hit follow and join us on this journey—because your financial future deserves a 360-degree approach.