Three60 Wealth Family Office

10/26/2026

SHE WAS COUNTING DOWN TO RETIREMENT. LIFE HAD OTHER PLANS.
Our former neighbour was an amazing woman. When our children were young, she would see us playing in the backyard and come outside with little gifts for them. She was single, with no children of her own, and she took such joy in making ours smile.

One day, she excitedly told us she had only 1,000 days left until retirement. She shared the things she wanted to do when she finally had the time. After that, every time we saw her, we got an update.

“Only 980 days to go.” She was counting down to a life she could hardly wait to begin.

Retirement Planning - Unbiased, Independent financial advice involves seeking guidance from professionals who are not tied to any particular financial institution or product.

10/26/2026

Most Owners Have No Exit Plan...

According to a national survey, only 9% of business owners have a formal written succession plan. Another 45% have an informal plan, while 46% have no plan at all.

If you're in that last group, you're not alone.

But you are exposed.

Over the past 25 years, I've seen owners delay exit planning because they're busy running the business. The problem is that without a plan, there's often no updated valuation, no tax strategy, and no clear roadmap if something happens before you're ready to sell.

The good news?

A succession plan doesn't need to be complicated.

It just needs to exist.

And it should be reviewed regularly.

The best time to build an exit plan is before you need one.

👉 Comment "EXIT" below and we'll send you our free Business Exit Score Questionnaire to see how prepared your business is for a future sale or transition.

10/25/2026

If you disappeared from your business for 30 days, what would happen?

Would the team keep moving forward, or would your phone start ringing by 9 a.m. Monday morning?

Many successful business owners are making good money, but they're still the person approving everything, solving the biggest problems, and making the critical decisions.

And that's exhausting.

It's also a problem when it comes time to sell.

Buyers don't want to buy a business where the most important system is the owner.

The more dependent the business is on you, the harder it can be to transfer.

Building a business that runs without you isn't just about getting your time back. It's about increasing its value.

👉 Want to know how exit-ready your business is? Comment "EXIT" below and we'll send you our free Business Exit Score Questionnaire.

10/24/2026

Ownership Disputes Can Destroy a Family Business

Did you know that roughly 78% of family businesses don't make it to the third generation?

In most cases, the business itself isn't the problem.

The problem is a lack of planning.

Who takes over?

How is ownership divided?

What happens if one child wants in and another wants out?

These conversations are often delayed because they're uncomfortable. But avoiding them doesn't make the issues disappear.

If you're planning to keep the business in the family, that transition deserves just as much planning as a sale to an outside buyer. In many cases, it deserves even more.

Don't assume everyone will figure it out. That's how family businesses fall apart.

👉 Comment "FAMILY" below and we'll send you our free Family Guide to learn what every parent should consider before transitioning their business to their children or other family members.

10/23/2026

Rank the 5 experts you need for your exit team...

10/23/2026

Buying Insurance is not the same as planning for retirement...

One of the biggest mistakes I see is when a financial product is recommended before a financial plan is built.

I'm not against insurance. It absolutely has a place in tax and estate planning.

But I've seen business owners get pitched complex whole life insurance strategies as a retirement plan without anyone first asking what they're actually trying to achieve.

A good strategy starts with your goals.

A bad strategy starts with a product.

Make sure you're getting a plan that's built around your objectives, not someone else's solution.

👉 Comment "EXIT" below and we'll send you our free Business Exit Score Questionnaire to see how prepared your business is for a future sale or transition.

10/23/2026

YOUR EXIT IS MORE THAN THE SALE
What happens when the business you’ve spent decades building is no longer the center of your life? A successful exit isn’t just about what happens on closing day. There’s another side of the transition that business owners need to think about long before the deal is done.

10/21/2026

Ever heard someone say:

"I got a raise, but it pushed me into a higher tax bracket, so I actually make less money now."

That's a myth.

In Canada, only the income that falls into the higher tax bracket gets taxed at the higher rate.

Your entire income doesn't suddenly get taxed more.

So, if you get a raise, you'll still take home more money. The extra income may be taxed at a higher rate, but you're never worse off earning more.

A bigger paycheque is still a bigger paycheque.

👉 Comment "EXIT" below and we'll send you our free Business Exit Score Questionnaire to see how prepared your business is for a future sale or transition.

10/20/2026

Selling to Your Kids Just Got Better…

For years, selling your business to your kids could result in a worse tax outcome than selling to a stranger.

Thankfully, that's changed.

Today, legitimate family business transfers can qualify for the same capital gains tax treatment as a sale to a third party, provided certain conditions are met.

The problem? Many business owners are still making decisions based on outdated information.

If passing your business to your children is part of your exit plan, make sure you're working with the current rules, not the old ones.

👉 Comment "EXIT" below and we'll send you our free Business Exit Score Questionnaire to see how prepared your business is for a future sale or transition.

10/19/2026

Value vs. Price...

"Your fees are really high."

Maybe.

But compared to what?

We're not trying to be the cheapest option. We help business owners avoid costly mistakes and make better decisions.

Because price and value aren't the same thing.

Something can be expensive and still be worth every penny.

And something can be cheap and cost you a fortune.

The real question isn't what it costs. It's what it's worth.

👉 Comment "EXIT" below and we'll send you our free Business Exit Score Questionnaire to see how prepared your business is for a future sale or transition.