AskTMFG The Podcast

How Pensions Change Everything For Your Retirement

In this episode of the AskTMFG Podcast, Financial Advisors Carlo Cansino and John Iaconetti break down how the decline of pension coverage in Canada has completely changed retirement planning for millions of Canadians. They explain why having a pension can dramatically improve retirement security, and why not having one may require a very different savings and investment strategy. The conversation explores how pensions help reduce sequence of returns risk, create more predictable retirement income, and improve long-term tax planning.  👉 Watch the full episode here: https://youtu.be/_TDPkF4claU [https://youtu.be/_TDPkF4claU]  Question for our listeners: Do you think Canadians without pensions fully realize how much more responsibility falls on their personal retirement savings? 👉 If you’d like help building a retirement strategy tailored to your goals, we’re offering a complimentary portfolio analysis: https://tmfg.ca/portfolio-analysis/ [https://tmfg.ca/portfolio-analysis/] Follow us on our social channels: LinkedIn: The McClelland Financial Group [https://www.linkedin.com/company/the-mcclelland-financial-group-of-assante-wealth-management-ltd/] Facebook: https://www.facebook.com/tmfg.ca [https://www.facebook.com/tmfg.ca] Instagram: https://www.instagram.com/themcclellandfinancialgroup_/ [https://www.instagram.com/themcclellandfinancialgroup_/]

The Estate Tax Trap Most Canadians Miss

In this episode of the AskTMFG Podcast, Senior Financial Advisor Carlo Cansino breaks down the estate tax trap many Canadian retirees unknowingly build over time. He explains how RRSPs, RRIFs, cottages, and investment accounts can eventually create a large future tax bill if there’s no long-term withdrawal and estate strategy behind them. He explores how retirement income, RRIF withdrawals, and unrealized capital gains can stack together later in life or on a final tax return, often leaving families surprised by how much may go to the CRA.  👉 Watch the full episode here: https://youtu.be/yooziogkRRA [https://youtu.be/yooziogkRRA]  Question for our listeners: Do you think most Canadians underestimate how much tax their estate could eventually owe? 👉 If you’d like help building a retirement strategy tailored to your goals, we’re offering a complimentary portfolio analysis: https://tmfg.ca/portfolio-analysis/ [https://tmfg.ca/portfolio-analysis/] Follow us on our social channels: LinkedIn: The McClelland Financial Group [https://www.linkedin.com/company/the-mcclelland-financial-group-of-assante-wealth-management-ltd/] Facebook: https://www.facebook.com/tmfg.ca [https://www.facebook.com/tmfg.ca] Instagram: https://www.instagram.com/themcclellandfinancialgroup_/ [https://www.instagram.com/themcclellandfinancialgroup_/]

You're Over-saving Your RRSP. Here's How To Fix It...

In this episode of the AskTMFG Podcast, Financial Advisors Carlo Cansino and John Iaconetti break down why blindly maximizing your RRSP every year may actually work against your long-term financial plan. They explain how high-interest debt, lower retirement tax brackets, RRSP loans, and poor contribution timing can quietly create opportunity costs that many Canadians never account for. The conversation also explores how debt elimination can sometimes provide a stronger guaranteed financial return than investing, and why optimizing your overall financial position matters more than simply growing your RRSP balance. 👉  https://youtu.be/8nCeSDOlanQ [https://youtu.be/8nCeSDOlanQ]   Question for our listeners: Do you think most Canadians focus too much on maximizing RRSP contributions without considering the full financial picture? 👉 If you’d like help building a retirement strategy tailored to your goals, we’re offering a complimentary portfolio analysis: https://tmfg.ca/portfolio-analysis/ [https://tmfg.ca/portfolio-analysis/] Follow us on our social channels: LinkedIn: The McClelland Financial Group [https://tmfg.ca/schedule/] Facebook: https://www.facebook.com/tmfg.ca [https://www.facebook.com/tmfg.ca] Instagram: https://www.instagram.com/themcclellandfinancialgroup_/ [https://www.instagram.com/themcclellandfinancialgroup_/]

CPP Has Changed - Heres What It Means For Your 2027 Retirement Plan

In this episode of the AskTMFG Podcast, Senior Financial Advisor Carlo Cansino breaks down how enhanced CPP is quietly changing retirement planning for Canadians approaching retirement between now and 2027. He explains how larger CPP payments may eventually interact with RRIF withdrawals, Old Age Security (OAS), and taxable investment income, creating retirement tax and clawback issues many retirees never see coming. The conversation also explores why enhanced CPP changes the importance of income sequencing, retirement tax planning, and coordinating when different income sources begin during retirement. 👉 Watch the full episode on YouTube [https://youtu.be/4dGhpXU49nI] Question for our listeners: Do you think most Canadians are prepared for how enhanced CPP may affect retirement taxes later in life? 👉 If you’d like help building a retirement strategy tailored to your goals, we’re offering a complimentary portfolio analysis: Follow us on our social channels: LinkedIn: The McClelland Financial Group Facebook: https://www.facebook.com/tmfg.ca [https://www.facebook.com/tmfg.ca] Instagram: https://www.instagram.com/themcclellandfinancialgroup_/ [https://www.instagram.com/themcclellandfinancialgroup_/]

9 Purchases That Will Stop You Ever Going Broke in Retirement

In this episode of the AskTMFG Podcast, Carlo Cansino and John Iaconetti break down 9 strategic purchases that can help create a stronger retirement plan. They discuss how guaranteed income sources like annuities, dividend-paying investments, and rental properties can help support long-term cash flow, while protection strategies such as insurance and diversified assets can help reduce financial risks during retirement. The conversation also explores the importance of tax planning, timing, diversification, and coordinating financial decisions in a way that supports both retirement income and long-term legacy goals. 👉 Watch the full episode on YouTube: https://youtu.be/coCsum6DwYM [https://youtu.be/coCsum6DwYM]  Question for our listeners: Which of these retirement purchases do you think provides the most long-term financial security? 👉 If you’d like help building a retirement strategy tailored to your goals, we’re offering a complimentary portfolio analysis: https://tmfg.ca/portfolio-analysis/ [https://tmfg.ca/portfolio-analysis/] Follow us on our social channels: LinkedIn: The McClelland Financial Group [https://www.linkedin.com/company/the-mcclelland-financial-group-of-assante-wealth-management-ltd/] Facebook: https://www.facebook.com/tmfg.ca [https://www.facebook.com/tmfg.ca] Instagram: https://www.instagram.com/themcclellandfinancialgroup_/ [https://www.instagram.com/themcclellandfinancialgroup_/]