360 Degrees Wealth Strategies & Solutions Inc

360 Degrees Wealth Strategies & Solutions Inc Most Canadians remain ignorant to financial strategies and options available to them to set them free.

Sometimes deferring tax 𝘵𝘰𝘥𝘢𝘺 creates a bigger problem 𝘵𝘰𝘮𝘰𝘳𝘳𝘰𝘸.Tax planning should never be judged only by the immediat...
05/28/2026

Sometimes deferring tax 𝘵𝘰𝘥𝘢𝘺 creates a bigger problem 𝘵𝘰𝘮𝘰𝘳𝘳𝘰𝘸.

Tax planning should never be judged only by the immediate tax savings. The better question is:
What is the 𝘁𝗼𝘁𝗮𝗹 cost?

Upfront tax matters; deferred tax matters. So do liquidity, legal structure, family control, estate risk, creditor exposure, business succession, and flexibility.

Too many Canadians become so focused on reducing tax that they forget the planning decision still has to work in real life.

I get it - taxes suck.

But the lowest tax option is not always the best planning option.

A good strategy should reduce unnecessary tax without creating larger financial, legal, or family problems later.

matters. But just like and , it shouldn’t be the 𝘸𝘩𝘰𝘭𝘦 plan.

IMO that’s why people are better served when , and professionals work together to manage client objectives with the tools at each of their disposal.

Most business owners spend years focused on building value. Fewer take the time to understand what actually happens to t...
05/28/2026

Most business owners spend years focused on building value. Fewer take the time to understand what actually happens to that value when it needs to move.

Not in theory. In practice.

Because once a business becomes successful—when there are retained earnings, multiple corporations, and real wealth inside the structure—the problem changes.

It’s no longer just about growth.
It’s about:
• where liquidity comes from at the moment it’s needed
• how tax is triggered across the structure
• and whether the system you’ve built actually holds up under pressure

Most business owners spend years focused on building value. Fewer take the time to understand what actually happens to that value when it needs to move.Not i...

This week’s video focuses on more   and personal growth than economics or politics.(Refreshing to some I’m sure!)Most pe...
05/21/2026

This week’s video focuses on more and personal growth than economics or politics.
(Refreshing to some I’m sure!)

Most people think they struggle with making decisions. But often, the real struggle is not confusion. It is responsibility to understand consequences.

Most people think they struggle with making decisions.But often, the real struggle is not confusion. It is responsibility. We usually know more than we admit...

“Once the king is established, the government of the kingdom must be so arranged that opportunity to tyrannize is remove...
05/16/2026

“Once the king is established, the government of the kingdom must be so arranged that opportunity to tyrannize is removed. At the same time his power should be so tempered that he cannot easily fall into tyranny.”

- St. Thomas Aquinas, 𝘋𝘦 𝘙𝘦𝘨𝘯𝘰 c. 1265-1267

“A kingdom could be so instituted as that a king may not be at liberty to tyrannize over his people which only comes to pass when the sovereign power is restrained by political laws”

- Sir John Fortescue, 𝘋𝘦 𝘓𝘢𝘶𝘥𝘪𝘣𝘶𝘴 𝘓𝘦𝘨𝘶𝘮 𝘈𝘯𝘨𝘭𝘪𝘢𝘦 c. 1470, citing Aquinas

Governments need restraining, lest they grow beyond mere administrative matters. Without setting boundaries on the expansion of state and its powers, power tends to concentrate and starts increasing interference in the affairs of business, the economy, private lives of citizens, and other matters.

In their book, 𝘉𝘰𝘶𝘯𝘥𝘢𝘳𝘪𝘦𝘴, clinical psychologists Henry Cloud and John Townsend wrote that boundaries define “what is me and what is not me.” That principle does not only apply to families, marriages, and workplaces. It applies to politics.

In personal relationships, the person without boundaries says:
“Your crisis is automatically my responsibility.”

In politics, the citizen without boundaries is trained to say:
“Every social problem is automatically the government’s responsibility — and therefore automatically my tax burden, my debt burden, my inflation burden, and my loss of freedom.”

A free society requires boundaries around government for the same reason a healthy person requires boundaries around relationships.

When government has no boundaries, the citizen does not merely pay taxes. They become the emotional, financial, and moral shock absorber for a state that refuses to govern itself. Whatever the crisis, the citizens end up bearing the full cost of the burden.

The objection is not that suffering resulting from these crises does not matter, but rather there is no boundary anymore between the legitimate role of government and the private life, labour, property, conscience, and future of the citizen.

The state has become the person in the relationship who never accepts responsibility for its own behaviour, never limits its demands, and treats every “no” as moral failure.

A government without boundaries does not remain compassionate - becomes 𝗰𝗼𝗻𝘀𝘂𝗺𝗶𝗻𝗴.

It stops asking, “What are we morally permitted to do?” and starts asking, “What can we justify by declaring a need?”

Aquinas makes the same point in political language. He is not merely saying, “choose good rulers.” He is saying that even rulers must be placed inside a framework that removes the opportunity to become tyrants.

That is the essence of political boundaries.

A person without boundaries becomes vulnerable to manipulation. A government without boundaries becomes what Hobbes famously called the Leviathan: an overwhelming sovereign power justified in the name of order, security, and necessity. Not overnight, but by democratic procedure; by first reinterpreting laws that restrain the state, then by introducing new laws to exempt itself from such boundaries.

Character matters, but 𝘴𝘵𝘳𝘶𝘤𝘵𝘶𝘳𝘦 𝘮𝘢𝘵𝘵𝘦𝘳𝘴 𝘮𝘰𝘳𝘦.

A virtuous ruler may respect limits voluntarily but a corrupt ruler must be restrained by law. Because these restraints must apply objectively to an office and not subjectively to a person, they apply regardless of the political ideology of the person holding the seat of power.

Aquinas warned us over 750 years ago:

Government, rules and order may be necessary, but that necessity does not erase the need for boundaries, limitations and restrictions on power.

Because once the sovereign power is no longer restrained by law, the citizen is no longer merely governed, but rather managed, harvested and ruled.

Financial products are 𝘪𝘯𝘴𝘵𝘳𝘶𝘮𝘦𝘯𝘵𝘴Financial principles are 𝘴𝘵𝘢𝘯𝘥𝘢𝘳𝘥𝘴Financial planning is the 𝘥𝘪𝘴𝘤𝘪𝘱𝘭𝘪𝘯𝘦𝘥 𝘱𝘳𝘰𝘤𝘦𝘴𝘴 of con...
05/14/2026

Financial products are 𝘪𝘯𝘴𝘵𝘳𝘶𝘮𝘦𝘯𝘵𝘴
Financial principles are 𝘴𝘵𝘢𝘯𝘥𝘢𝘳𝘥𝘴
Financial planning is the 𝘥𝘪𝘴𝘤𝘪𝘱𝘭𝘪𝘯𝘦𝘥 𝘱𝘳𝘰𝘤𝘦𝘴𝘴 of connecting one to the other



Most people think an old or unwanted life   policy is just an expense to be cancelled.But what if that policy could beco...
05/13/2026

Most people think an old or unwanted life policy is just an expense to be cancelled.
But what if that policy could become 𝘴𝘰𝘮𝘦𝘵𝘩𝘪𝘯𝘨 𝘮𝘰𝘳𝘦?

Most people think an old or unwanted life insurance policy is just an expense to be cancelled.But what if that policy could become something more?In this con...

BC’s   isn’t just a small privacy tweak—it’s a 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘪𝘰𝘯𝘢𝘭 𝘸𝘢𝘳𝘯𝘪𝘯𝘨.The bill risks expanding the state’s power to coll...
05/09/2026

BC’s isn’t just a small privacy tweak—it’s a 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘪𝘰𝘯𝘢𝘭 𝘸𝘢𝘳𝘯𝘪𝘯𝘨.

The bill risks expanding the state’s power to collect, connect, classify, and share your personal information through “connected services” under the banner of “modernization.” But at what point does convenience become surveillance architecture?

The legislative proposal should alarm anyone who still believes citizens are more than data points or inputs to be managed. It’s a quiet shift in the relationship between citizen and state.

Canada’s rule-of-law inheritance did not begin with a Ministry dashboard. It runs through , , the , the English , responsible government, and the principle that the Crown is restrained under the law.

Sir Edward Coke was an English jurist, judge, and parliamentarian whose writings helped shape the common-law tradition and is best remembered for resisting royal absolutism, defending Magna Carta. He argued that even the King was subject to the law rather than above it.

Sir Coke warned that “Magna Carta is such a fellow that he will have no sovereign.” The principle was clear: government and the crown does not create liberty.

But Bill 9 risks reversing that.

A free citizen should not have to become a government data profile to access services. Under Bill 9, the minister may direct what personal information is shared, how much is shared, which source of data is used, and when information may or may not be shared.
Even more concerning, those directions may vary by “persons or classes of persons” leaving people to question what classification they fit into.

Bill 9 also risks weakening practical rights. Access to information is not a favour from government (similar to Federal Committees going into camera). It is one of the tools citizens use to supervise power.

The burden should be on government to prove necessity, proportionality, transparency, and remedy. Not on citizens to trust a larger state data system because someone says “service delivery.”

We are all adults and government telling us what to do “because we said so” is merely authoritarian parenting.

Therefore, we should ask ourselves whether Bill 9 protects us, or does it protect the Crown’s power to see, sort, and manage the citizen?

We deserve laws that keep government in check.
Not laws that classify us, catalogue us, and restrain rights inherent to free people.

The most dangerous political instinct is the belief that government is the only righteous and infallible arbiter of justice. History is soaked in blood with warnings about governments that were not restrained by citizens who understood liberty, property, privacy, and the limits of state power.

A government that wants more data about you and less scrutiny from you is not becoming more accountable, it is becoming more dangerous.

BC citizens should be concerned, and they should spread the word prior to this becoming law.

 :Your mortgage is not the full cost of homeownership. It also comes with a permanent government claim on your cash flow...
05/07/2026

:
Your mortgage is not the full cost of homeownership. It also comes with a permanent government claim on your cash flow - that claim is property tax.

Today May 7th, City Council is moving to adopt its financial plan and tax rates. Victoria’s public 2026 budget materials showed a proposed 5.42% increase for the City portion, and 5.02% for police, for a 10.44% total proposed increase.

So here is the financial literacy lesson:
A tax increase is not just a line on a city budget. It is a recurring claim on your family’s income.

If your property tax bill were $4,000, a 10.44% increase would mean about $418 more per year.
And at a 30% marginal tax rate, you would need roughly $597 of pre-tax income just to cover that extra cost.

Then one should consider that these increases are not merely linear, but rather a compounding cost escalation. So the following year another similar increase of 10.44% would equal $461 in real dollars, and so on.

Compounding is not just something that helps your investments grow. It also helps your recurring costs grow when every increase becomes the new base.

A financially literate buyer does not ask only whether they can carry the mortgage. They ask whether their income can carry the mortgage, the taxes, the utilities, the insurance, and the maintenance year after year.

The real cost of a home is not just the mortgage payment. It is every recurring claim on your income that comes with the property.

Canada’s latest fiscal update is being sold with the language of discipline investment affordability, and nation buildin...
05/07/2026

Canada’s latest fiscal update is being sold with the language of discipline investment affordability, and nation building.

But underneath the slogans is a much harder reality: continuing deficits, rising debt charges, more government directed capital and the introduction of a sovereign wealth fund that raises serious questions about fairness, regulation, risk, and political control over private capital.

This is not just a budget critique. This is a warning to Canadian, business owners, professionals, investors, and families.
Fiscal policy isn’t background noise anymore.
It is the weather system that your capital resides in.

Canada’s latest fiscal update is being sold with the language of discipline, investment, affordability, and nation-building.But underneath the slogans is a m...

Canada’s proposed   should not be mistaken for ones implemented in Norway, Kuwait, UAE, Singapore and others.The serious...
05/05/2026

Canada’s proposed should not be mistaken for ones implemented in Norway, Kuwait, UAE, Singapore and others.

The serious sovereign wealth funds of the world generally begin with one of three things:
- resource surpluses
- accumulated reserves
- disciplined fiscal saving.
in an effort to diversify the country’s wealth out of a singular resource-driven economy.

Canada’s version is something quite different: another Ottawa-directed pool of public money, not funded by surpluses but funded by the national credit card, and layered atop the Canada Infrastructure Bank, the Business Development Bank of Canada, and other machinery of federal industrial policy.

Prime Minister Mark Carney’s justification is revealing:
Where private projects use federal tax incentives, regulatory support, or other assistance, and where “there’s a commercial business making a profit,” it is “fair, right and just and smart” for Canadians to share directly in those profits.

At first glance, this sounds reasonable. Why should taxpayers help create profits and receive no upside?

It’s politically elegant but from an perspective, it’s very dangerous.

If the federal government taxes, borrows, subsidizes, regulates, delays, approves, favours, and then invests, it is no longer merely setting the rules of commerce. It is becoming a competing participant in the economy.

warned about the fatal conceit of central planning:

Economic knowledge is dispersed. No minister, banker, cabinet table, committee, or Crown corporation can know what millions of investors, builders, engineers, lenders, and consumers know through prices, risk, scarcity, and experience.

drove this point home:

Public capital does not create resources from thin air - it redirects them. When government-backed capital competes with private capital, it crowds out private judgment, distorts risk, and makes political preference look like economic viability.

Not every project lacking private capital is suffering from “market failure.” Sometimes the market is sending a message or a warning about its viability.

Canada does not need another public-capital vehicle to compensate for a hostile investment climate. It needs lower friction and intervention,, faster approvals, stable rules, sound money, respect for property, and a government that protects the conditions for wealth creation rather than presuming to allocate it in the most appropriate manner.

A true wealth fund preserves wealth already earned. A political investment fund tries to manufacture wealth by a thinly veiled decree.

That distinction is not merely academic - it’s apodeictic. It may determine whether Canada attracts back the trillion dollars capital lost over the last decade or whether it continues to nationalize the excuses for why the capital left in the first place.

The Bank of Canada held its   at 2.25% — but the bigger story is not the rate.The bigger story is that Canada’s   is sti...
04/29/2026

The Bank of Canada held its at 2.25% — but the bigger story is not the rate.
The bigger story is that Canada’s is still caught between weak housing, rising input costs, higher oil prices, trade uncertainty, government deficits, and a policy class that keeps trying to manage its way out of problems policy helped create.

In this video, I break down today’s Bank of Canada decision through a financial planning, , and lens. We look at why the housing market matters so much to Canada’s economy, why higher oil prices can raise costs without being the same thing as true monetary inflation, and why both monetary policy and fiscal policy are sending mixed signals to families, business owners, investors, and entrepreneurs.

I also discuss the difference between price discovery and price administration, drawing on the ideas of Ludwig von and Murray . Interest rates are not just policy tools. They are prices — signals that help coordinate saving, borrowing, investment, risk, and time preference.

Bank of Canada Holds Rates at 2.25% But They’re Still Asking the Wrong Question

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