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 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.

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 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.

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 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.

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 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.

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’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.

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 your family over $1 million in tax.

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.

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 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: [email protected]

Learn more about Three60 Wealth: three60wealth.ca

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 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.

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 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.

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:

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.