Tyson Nagasaka, MFA-P

05/13/2026

Most clients cancel redundant life insurance without thinking twice.

They've paid premiums for years. The coverage no longer fits the plan. So they lapse it and move on.

But there's a better move almost nobody talks about.

Donate the policy to charity.

When you transfer ownership of a life insurance policy to a registered charity, you can trigger a Donation Tax Credit — creating real tax efficiency against other assets in the plan. Instead of walking away from something you've already paid into, you convert it into philanthropic impact and a meaningful tax offset.

For incorporated professionals especially, this is the kind of layered planning that separates a good advisor from a great one.
Vishal and I dig into this on the latest episode of Portfolio Talks. Link in comments.

04/23/2026

Doctors, are you building your child’s future… at the expense of your own?

In this episode, Vishal Gill (CFP) and Tyson Nagasaka (MFA-P, CEA) from Portfolio Planning INC unpack a question we hear all the time

RESPs..smart strategy… or emotional trap?

Because while every parent wants to fully fund their kid’s education, most doctors aren’t shown how to balance that with their own retirement, practice goals, and lifestyle.

🎧 Tune in as we break down:

• The truth about the “fully fund it immediately” myth
• How CESG grants actually work (and where people get it wrong)
• RESP withdrawal rules nobody explains properly
• The real opportunity cost of overfunding

💊 Portfolio Planning INC — Prescribing your financial plan

📝 Plus, we answer real questions from doctors:
• How do you actually open an RESP?
• Bank vs. specialized RESP companies and what’s the catch?

If you’re raising a family and trying to make smart financial decisions without sacrificing your own future, this episode is for you.

If you found it valuable:
⭐ Rate & review the podcast
📤 Share it with another doctor navigating parenthood
💬 Join our private Facebook group to submit your questions for our next Medical Mailbag episode

JOIN HERE: https://www.facebook.com/groups/1916254795894489

Because great planning isn’t just about your kids’ future it’s about yours too.

https://youtu.be/cu6_i-b7SJ0?si=y0sbYbfnjZYK1nB1

RESP's for Doctors, Smart strategy or emotional trap?

04/01/2026

Canadian doctors! Are you making the most of your money, or leaving tax efficiency on the table?

In this episode, Vishal Gill (CFP) and Tyson Nagasaka (CEA) from Portfolio Planning INC break down one of the most common (and costly) questions we see:

Should you invest through your TFSA… or inside your corporation?

The answer isn’t always what you think and getting it wrong can quietly cost you thousands over time.

If you’re incorporated, building wealth, and want to make smarter decisions with your investments, this is a must-listen.

🎧 Tune in now and get clarity on:
• When your TFSA still wins (even as a high-income professional)
• When corporate investing makes more sense
• The hidden tax traps most doctors miss

💊 Portfolio Planning INC "Prescribing your financial plan"

If you found this helpful:

⭐ Rate & review the podcast
📤 Share it with a colleague who needs to hear this
💬 Join our private Facebook group to submit your questions for our next Medical Mailbag episode

Your future self (and your balance sheet) will thank you.

https://www.facebook.com/share/g/1HrYeAJbdP/

Canadian doctors! Are you making the most of your money, or leaving tax efficiency on the table?In this episode, Vishal Gill (CFP) and Tyson Nagasaka (CEA) f...

03/26/2026

Why are high income earners choosing to PAY MORE payroll taxes on purpose? 🤔

Because structure beats chaos.

Salary. RRSP. Consistency.
That’s how real wealth gets built.
Check out Portfolio Talks for the full episode!


Check out the full episode on YouTube, Spotify or Apple podcast

03/18/2026

Thinking about retiring abroad and skipping RRSPs? 🚨
That might be costing you WAY more than you think…

A lot of doctors avoid RRSPs because of future tax concerns outside Canada — but in doing so, they’re walking away from one of the most powerful tax-deferred growth tools available.

Vishal breaks down:
• Why this thinking is incomplete
• Where RRSPs still create massive value
• How to think about tax strategy if you plan to leave Canada

This isn’t about “RRSP vs no RRSP” — it’s about using the system properly.

🎧 Full episode live now on YouTube, Apple & Spotify
TaxStrategy

02/01/2026

📈 When SpaceX grew, Kinsted clients felt it.

In this clip, Brent Smith of Kinsted Wealth explains how private access to SpaceX drove significant portfolio growth — an opportunity unavailable to most retail investors.

Private markets. Real impact.

01/02/2026

If you’re a Canadian business owner, your estate plan may be missing a critical tax advantage.
Graduated Rate Estates can unlock lower tax rates, smarter income planning, and better outcomes for heirs — but only if structured properly.
📖 Read the full blog for details.

12/12/2025

📅 Business owners — have you wrapped up your 2025 year-end tax plan yet?
Now’s the time to take a hard look at your cash flow, compensation strategy, family income planning, passive investments, and deductions before Dec 31. These year-end moves can reduce your tax bill, improve cash flow, and set you up for success in 2026.⁣ 💡💼⁣

From balancing salary vs. dividends to smart timing on deductions and tax-effective investments — we break down the key strategies you should consider before the clock runs out.⁣ 📉💰⁣

👉 Hit the link to get the full list and make sure you’re not leaving money on the table!
🔗 https://portfolioplanning.ca/2025-year-end-tax-tips-and-strategies-for-business-owners/

09/22/2025

👩‍⚕️👨‍⚕️ Doctors (& Business Owners)

Thinking about incorporating and not sure how to pay yourself? 💸

Our in-house CPA, , shares the key pros and cons of taking a salary vs. a dividend from your corporation.

This quick breakdown can help you understand which option may fit your financial plan best.

09/09/2025

🏌️‍♂️⛳ .vishalgill and I had an amazing time at the Annual Golf Tournament at Sandpiper Resort!

It was a day full of fun, connection, and—most importantly—supporting our local hospitals here in the Fraser Valley. ❤️

A huge thank you to the Fraser Valley Health Care Foundation and everyone who came out to make this event a success. We’re excited to continue building on this partnership and supporting the incredible work being done for health care in our community. 🙌