Tyson Nagasaka, MFA-P

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.

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...