Tyson Nagasaka, MFA-P

10/12/2026

💸 What if CRA wasn’t the biggest beneficiary of your estate?
Meet Mr. and Mrs. Parker. They’ve built a $2M RRSP/RRIF and want to leave something meaningful to their family and to the causes they care about.
Without a plan, here’s what happens at the second passing:
🏛️ About $1.02M goes to CRA in tax
👪 About $982K goes to their family
💚 $0 goes to charity
Why? Because an RRSP/RRIF is treated as cashed out at death, and the whole balance is taxed in one year at top rates.
With a little planning, it can look very different 👇
✅ Name a charity on about $1.9M of the RRIF. The donation tax credit can wipe out nearly all of the estate’s tax.
✅ Use tax-free life insurance to replace what the family gives up.
The result in our example:
👪 The Parker family receives about $1.09M
💚 Charity receives about $1.9M
🏛️ CRA receives about $14K
Same estate. A very different outcome. Swipe through to see each step 👉
CRA doesn’t have to be the default beneficiary. A little planning lets you choose who gets what.
💬 Curious how this could look for your family? Send us a message.

10/01/2026

💚 Giving with cash, cheque or credit card is convenient, but it may not be the most efficient way to give.

Donating appreciated securities can mean:

✅ No capital gains tax on the gift

✅ A donation tax credit on the full value

✅ More of your dollars going to the cause

If you have gains in your portfolio you’ll need to trim eventually, why not get a tax break while you give?
👉 Swipe for a BC example.

One of the ways we help clients be tax smart and dollar efficient with their giving.

💬 Questions? Send us a message.
Hypothetical example. Not tax advice.

09/09/2026

Your corp’s “safe” savings account might be quietly costing you thousands in tax 👀

Tyson & Vishal break down the passive income rule most incorporated pros don’t find out about until it’s already grinding down their Small Business Deduction.

Full breakdown live now on Portfolio Talks 🎙️

08/25/2026

New episode of Portfolio Talks is up 🎙️

This one's a special edition follow-on to our last episode, where it was just Vishal and me talking through what it's like to buy a dental clinic. So many of you had questions after that conversation — so this time we brought in an expert.

Amrit Dhaliwal from Alliance Lawyers joined Vishal and me to walk through what actually happens between "I want to buy a practice" and the day you get the keys. We go through the real timeline: what the early stages look like, where due diligence catches buyers off guard, and the questions you should be asking before you're too far in to walk away.

Whether you're a dental associate weighing a purchase or you're already mid-negotiation, this is the conversation we wish more people had before they signed anything.

08/08/2026

Did you know there's roughly $2 TRILLION sitting on the sidelines right now, waiting to be invested in Private Equity? 💰

In this clip from Investment Chats, John Fisher from Bridgeport Asset Management breaks down what all that "dry powder" means and where it could be headed next.

Check out the full conversation with John and Ian on my Youtube channel! 🎥

07/29/2026

Why infrastructure might be the ultimate inflation hedge 🏗️

In this clip from my conversation with Brent Smith, CIO of Kinsted Wealth, he breaks down why infrastructure assets — think airports, bridges, toll roads — can keep growing regardless of what the broader market is doing.

The reason? These are institutional-quality assets with real, durable demand. People still need to fly, drive, and move goods whether markets are up or down — and many of these assets have built-in pricing power that helps them keep pace with inflation.

If you're thinking about how to build resilience into a portfolio, this is worth 60 seconds of your time.

🎧 Full episode of Investment Chat is up now

07/27/2026

I'm launching Investment Chat as its own standalone podcast, separate from Portfolio Planning content. First episode is a good one: I sat down with Brent Smith, CIO of Kinsted Wealth, to talk about private markets.

We got into:

What private equity really means for an investor's portfolio
Secondaries — buying into existing PE positions, and why more investors are looking at this route
Co-investing — getting direct exposure alongside a fund manager, not just through a pooled fund

If you've ever wondered how private markets actually work (beyond the buzzwords), or whether they belong in your portfolio, this conversation breaks it down in a way that's genuinely useful.

Brent brings a ton of real experience here, and I think you'll get a lot out of it whether you're already investing in private markets or just curious about the space.

🎧 Full episode is up now — link in comments below.

07/07/2026

Most portfolios grow at a normal pace. Co-investing changes the fuel. It's direct investing — no fund wrapper, no extra layers between you and the deal — which is exactly why we call it rocket fuel for your allocations. 🚀 For incorporated physicians sitting on retained earnings, this is one of the most underused accelerators out there.
Full episode is live on YouTube — link in the comments. Would you add rocket fuel to your portfolio? Tell us below. 👇

06/15/2026

Paying taxes is part of life in Canada — but leaving money on the table doesn’t have to be. 💡

Our latest blog post (inspired by Portfolio Talks) walks through the difference between tax planning and tax avoidance for physicians. Worth a read if you want to keep more of what you earn — legally and ethically

The Corporate Passive Income Trap: What Incorporated Doctors Need to Know by Portfolio Planning | Jun 15, 2026 | 2026, Blog, financial advice, tax | 0 comments Prefer to listen? This article is based on the latest episode of our Portfolio Talks podcast. Listen to the full episode here. If you have e...

06/09/2026

This is the part of holdco planning nobody talks about 👇

The passive income grind-down doesn't care which corporation the income sits in — it looks at your entire associated group. Operating company + holding company = combined passive income.

Cross $50,000 together? The grind starts.
Cross $150,000 together?
Your Small Business Deduction is gone entirely.

That's an extra $70,000+ in corporate tax. Every year. On the same active income.

A holding company is still a powerful tool — for estate planning, creditor protection, and long-term structure. But it is not a shelter from this rule. And a lot of incorporated business owners are finding that out at the worst possible time.

We break down exactly how this works — and what actually does protect your SBD — in Season 3 Episode 7 of Portfolio Talks. 🔗 Link in the comments.