AskTMFG The Podcast
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Podcast Overview
<p style="text-align: left;">AskTMFG, brought to you by The McClelland Financial Group of CI Assante Wealth Management Ltd, offers clear and straightforward guidance on investing, retirement planning, and wealth management. We address your most pressing financial questions and share practical strategies to help you plan with confidence and stay on track toward achieving your goals.</p> <p style="text-align: left;"><strong>Hosted by: </strong>Carlo Cansino, Senior Financial Advisor and John Iaconetti, Financial Advisor at The McClelland Financial Group of CI Assante Wealth Management Ltd.<strong></strong></p> <p style="text-align: left;"><strong></strong></p> <p style="text-align: left;"><strong>Follow us: </strong></p> <p style="text-align: left;"><strong>Click here to request a meeting: <a href="https://tmfg.ca/schedule/" title="Click here to request a meeting" target="_blank" rel="noreferrer noopener">https://tmfg.ca/schedule/</a></strong></p> <p style="text-align: left;"><strong>Check the episode video on our YouTube channel: <a href="https://www.youtube.com/@TmfgCa">https://www.youtube.com/@TmfgCa</a></strong></p> <p style="text-align: left;"><strong>Facebook: <a href="https://www.facebook.com/tmfg.ca">https://www.facebook.com/tmfg.ca</a></strong></p> <p style="text-align: left;"><strong>Instagram: <a href="http://instagram.com/themcclellandfinancialgroup_/" target="_blank" rel="noreferrer noopener">instagram.com/themcclellandfinancialgroup_/</a></strong></p> <p style="text-align: left;"><strong></strong></p> <p style="text-align: left;"><strong>Please visit <a href="http://www.assante.com/legal">www.assante.com/legal</a> for important legal and regulatory disclosures.</strong></p>
Language
🇺🇲
Publishing Since
12/18/2025
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Recent Episodes
July 19, 2026
Why Retiring In Canada Is Cheaper Than You Think...
In this episode of the AskTMFG Podcast, Carlo Cansino and John Iaconetti break down why the "$1.7 million to retire" headline number isn't the full story, and what actually determines your real retirement target at age 60. They cover the common mistakes Canadians make, like using a cookie-cutter savings figure instead of working from actual expenses, forgetting that CPP is permanently reduced by roughly 36% if taken at 60 instead of 65, and not accounting for the 5-year gap before Old Age Security kicks in, plus how to draw tax-efficiently from RRSPs/RRIFs, TFSAs, and non-registered accounts alongside CPP, OAS, and any employer pension. They also share a practical rule of thumb: budgeting around 70% of pre-retirement expenses, using the 4% withdrawal rate to keep your portfolio's principal intact, and why some clients choose part-time work in retirement, not just for extra income, but to stay socially connected. 👉 Watch the full episode here: https://youtu.be/SOJf22TZQy8 Question for our listeners: Have you calculated your actual retirement number based on your expenses and income sources, or are you still going off a headline figure like $1.7 million? 👉 Complimentary portfolio analysis: https://tmfg.ca/portfolio-analysis/ Follow us:LinkedIn: The McClelland Financial GroupFacebook: https://www.facebook.com/tmfg.ca Instagram: https://www.instagram.com/themcclellandfinancialgroup_/
July 17, 2026
Your Last Year Before Retirement: 5 Mistakes Canadians Can't Afford to Make
In this episode of the AskTMFG Podcast, Carlo Cansino breaks down the 5 mistakes Canadians can't afford to make in their last year before retirement. He covers the common pitfalls, like delaying the RRSP meltdown until age 71 forces mandatory withdrawals, picking a CPP start date without modeling it against your full income picture, and triggering the OAS clawback by accident once RRIF minimums, CPP, and OAS stack together, plus how to sequence withdrawals across RRSP, TFSA, and non-registered accounts and calculate the CRA's share at death before it catches your family off guard. He also shares a real example: clients with $800,000 in an RRSP who looked retirement-ready on paper, but without a drawdown strategy, the CRA stood to become the biggest beneficiary of that account. 👉 Watch the full episode here: https://youtu.be/23EDkTKG-Lw Question for our listeners: If you're within a year or two of retirement, have you mapped out your withdrawal sequence and estate tax exposure, or are you still planning to figure it out as you go? 👉 Complimentary portfolio analysis: https://tmfg.ca/portfolio-analysis/ Follow us:LinkedIn: The McClelland Financial GroupFacebook: https://www.facebook.com/tmfg.ca Instagram: https://www.instagram.com/themcclellandfinancialgroup_/
July 12, 2026
Why Canadian Retirement Changes When You Get a Pension
In this episode of the AskTMFG Podcast, Carlo Cansino and John Iaconetti break down why having a pension fundamentally changes your retirement strategy. They cover the common mistakes Canadians make, like failing to account for the tax impact of pension income, ignoring inflation's effect on fixed payments, and overlooking spousal survivor benefits, plus how to coordinate pension income with RRSPs, TFSAs, and personal savings for a tax-efficient plan. They also share a real example: how a 58-year-old client used her pension as a foundation to retire early and bridge the income gap before her pension kicked in. 👉 Watch the full episode here: https://youtu.be/Agks2XHEAhU Question for our listeners: If you have a pension, have you coordinated it with your other income sources, or are you treating it as a separate piece of your retirement puzzle? 👉 Complimentary portfolio analysis: https://tmfg.ca/portfolio-analysis/ Follow us: LinkedIn: The McClelland Financial Group Facebook: https://www.facebook.com/tmfg.ca Instagram: https://www.instagram.com/themcclellandfinancialgroup_/
53 total episodes available
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Frequently asked questions
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- What is AskTMFG The Podcast?
<p style="text-align: left;">AskTMFG, brought to you by The McClelland Financial Group of CI Assante Wealth Management Ltd, offers clear and straightforward guidance on investing, retirement planning, and wealth management. We address your most pressing financial questions and share practical strategies to help you plan with confidence and stay on track toward achieving your goals.</p> <p style="text-align: left;"><strong>Hosted by: </strong>Carlo Cansino, Senior Financial Advisor and John Iaconetti, Financial Advisor at The McClelland Financial Group of CI Assante Wealth Management Ltd.<strong></strong></p> <p style="text-align: left;"><strong></strong></p> <p style="text-align: left;"><strong>Follow us: </strong></p> <p style="text-align: left;"><strong>Click here to request a meeting: <a href="https://tmfg.ca/schedule/" title="Click here to request a meeting" target="_blank" rel="noreferrer noopener">https://tmfg.ca/schedule/</a></strong></p> <p style="text-align: left;"><strong>Check the episode video on our YouTube channel: <a href="https://www.youtube.com/@TmfgCa">https://www.youtube.com/@TmfgCa</a></strong></p> <p style="text-align: left;"><strong>Facebook: <a href="https://www.facebook.com/tmfg.ca">https://www.facebook.com/tmfg.ca</a></strong></p> <p style="text-align: left;"><strong>Instagram: <a href="http://instagram.com/themcclellandfinancialgroup_/" target="_blank" rel="noreferrer noopener">instagram.com/themcclellandfinancialgroup_/</a></strong></p> <p style="text-align: left;"><strong></strong></p> <p style="text-align: left;"><strong>Please visit <a href="http://www.assante.com/legal">www.assante.com/legal</a> for important legal and regulatory disclosures.</strong></p> - How often does this podcast release new episodes?
This podcast updates daily.
- Where can I listen to this podcast?
This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
- Does this podcast accept guests?
No, this podcast does not typically feature guests.
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