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.

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, 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

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 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.

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 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

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 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

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

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

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 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.