The Family Office Insider

In this episode of Family Office Insider , host Jason Nagel , founder of Three60 Wealth in Calgary, sits down with Tatenda Mawoyo from GBL & Associates to break down Individual Pension Plans (IPPs) and who they’re best suited for. 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 alternativ...

Planning for a blended family can feel like walking a tightrope. You want your spouse protected, your children treated fairly, and your legacy carried out without conflict. In this episode, Jason Nagel breaks down four key strategies that can make all the difference when money, emotions, and competing priorities collide. You’ll learn: How a spousal trust can provide lifetime security for a spouse...

Many families believe that adding a child to the title of a family cabin is a simple way to avoid probate and reduce taxes. Unfortunately, this strategy often creates more problems than it solves. 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 propert...

For many Canadian families, the cottage or cabin is more than just real estate. It is a place filled with memories, traditions, and legacy. But passing a family cabin down to the next generation can quickly turn into conflict if it is not planned properly. In this episode, Jason Nagel breaks down the key financial and estate planning considerations families need to think about if they want their c...

If you own a business in Canada, understanding how dividends are taxed is essential to making informed financial decisions. 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’...

In this episode, Jason Nagel demystifies one of the most valuable tax strategies available to Canadian business owners: multiplying the Lifetime Capital Gains Exemption (LCGE) through a properly structured family trust. When used correctly, this strategy can allow you, your spouse, and your children to each claim the LCGE on the sale of a Qualified Small Business Corporation, potentially saving yo...

In this episode of Family Office Insider , Jason sits down with Austin Vrabel, CFA , Wealth Advisor at Connor, Clark & Lunn Private Capital, to unpack one of the most misunderstood threats facing retirees: market volatility and the powerful effect of sequence of returns risk . Using a real 28-year retirement scenario, Jason and Austin compare two portfolios, one with higher average returns but...

In this episode of Family Office Insider , Jason sits down with Maxwell Webster of VAMOS M&A Advisory to unpack one of the most important – and misunderstood – topics in the business world: wealth harvesting vs. wealth creation . 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...

Selling your business should be a celebration, but there’s a hidden tax that catches countless Canadian entrepreneurs off guard. In this episode, Jason breaks down the Alternative Minimum Tax (AMT) , a little-known parallel tax system that quietly runs alongside your regular tax calculation… and often comes back to bite owners the year after a sale. Most business owners know about the Lifetime Cap...

In this episode, Jason breaks down one of the most powerful – and misunderstood – tools in advanced wealth planning: the discretionary family trust . You’ll learn the four key reasons why families and business owners set up a trust: Protecting assets from creditors Income splitting with beneficiaries Streamlining corporate structures and cash flow Multiplying the capital gains exemption to save hu...

In this episode, Jason Nagel from Three60 Wealth shares a powerful analogy that reveals the true difference between financial advice and financial planning. Imagine climbing Mount Everest — would you rather have a guide who hands you a map and wishes you luck, or a Sherpa who climbs beside you, adapting to every shift in the weather? Jason explains how real financial planning is about partnership,...

In this episode of Family Office Insider , Jason Nagel from Three60 Wealth sits down with special guest Kelsey Humphries , a Wills and Estates Lawyer at Underwood Gilholme, to tackle some of the most common misconceptions about estate planning. 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 leg...

Are you a business owner preparing for retirement after selling your company? In this episode, Jason Nagel from Three60 Wealth shares a powerful story about a client who struggled to recreate their paycheck in retirement due to unbalanced investment planning. Jason explains why simply relying on RRSPs (Registered Retirement Savings Plans) can create unexpected tax burdens at age 71 and 72, and why...

As a Canadian business owner, where should you really be investing your money — RRSPs, TFSAs, or your holding company ? It’s one of the most common questions we hear from entrepreneurs and family business owners who want to maximize wealth and reduce taxes. In this episode of Family Office Insider , Jason Nagel shares the cautionary story of a successful family who over-invested in RRSPs and ended...

In this episode of Family Office Insider , Jason unpacks a common estate planning question for business owners: Should you add your children as shareholders of your holding company? 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 claim...

In this episode, Jason Nagel sits down with Darren Brisebois of Cerro Verde Advisory Group to explore the five critical areas every business owner should prepare for when planning an exit. From optimizing corporate and capital structures to building strong management teams, Darren breaks down the essentials that drive a successful transition. You’ll learn why proper corporate structuring can save...

When it comes time to step away from your business, choosing the right exit strategy is one of the most important decisions you’ll ever make. In this episode, Jason walks through three common paths business owners consider when selling or transitioning their company: Transitioning to key employees – the pros and cons of structuring ownership transfers internally. Passing it down to your children –...

Thinking about selling your business in the next few years? The sooner you start preparing, the more value you’ll unlock when the time comes. In this episode, Jason Nagel shares practical strategies that every business owner should consider well before meeting with a broker or valuator. We cover: Why planning your exit from day one increases business value How to structure your investment pools fo...

If you’re a successful business owner, chances are you’ve built up after-tax profits in your operating company, but what’s the smartest way to put that money to work? In this episode, Jason Nagel from Three60 Wealth walks through strategies to help you make the most of your corporate surplus while keeping flexibility and minimizing taxes. You’ll learn: When RRSPs make sense, and when they can beco...

We often hear from successful business owners who’ve sold their companies and are now wondering what to do with the millions sitting inside their holding corporations. Should they wind it down quickly to avoid future tax headaches, or take a more strategic, long-term approach? In this episode, we dive into the key considerations for retired or soon-to-retire business owners with substantial assets...

At Three60 Wealth, our clients count on us for clear direction, insightful perspective, and unwavering confidence, because that's what brings them peace of mind. In this episode, Jason Nagel walks you through the exact process we follow with every business family we serve, starting with a comprehensive Three60 Wealth Plan. You'll hear how we structure the relationship: from quarterly revie...

In this episode, Jason Nagel of Three60 Wealth unpacks the crucial difference between financial advice and true financial planning, and why it matters more than you think. Most Canadians don't realize that financial advice is often reactive and surface-level, while financial planning is proactive, customized, and deeply rooted in understanding your full financial picture. Jason also shares a p...

As a successful business owner, you’ve probably been pitched life insurance more times than you can count. Corporate-owned life insurance, overfunded policies, tax-free retirement income... the buzzwords never end. But is all this really in your best interest? 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 bu...

You're a successful business owner. You've worked hard for years, and you’ve built strong relationships with advisors you like and trust. You feel like everything is in order and there's no need to look elsewhere. 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 advis...

In this episode of The Family Office Insider , we tackle a tough but essential question: If you were to pass away, would your spouse be able to manage the finances without you? For many families, the answer is no, and that creates a serious risk. Jason shares real stories from clients who have experienced the devastating loss of the financially involved spouse, and how proper financial planning ,...