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 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

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