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PODCAST

AskTMFG The Podcast

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. Hosted by: Carlo Cansino, Senior Financial Advisor and John Iaconetti, Financial Advisor at The McClelland Financial Group of CI Assante Wealth

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All Episodes

8:27

67% Worry About Running Out Of Money in Retirement

AskTMFG The Podcast ·

2026/10/04

In this episode of AskTMFG, Financial Advisors Carlo Cansino and John Iaconetti look at one of the most common fears in retirement planning: running out of money. Most Canadians worry their savings won't last, and that fear often leads to sacrifices that aren't necessary. In their experience working with retirees, much of this anxiety comes from misunderstanding what makes retirement savings last.Carlo and John walk through the numbers behind retirement anxiety, including how many Canadians fear

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11:44

Retiring Soon? The RRSP Mistake You Can't Afford to Make

AskTMFG The Podcast ·

2026/10/02

In this episode of AskTMFG, Senior Financial Advisor Carlo Cansino walks through the case of Robert, a 58-year-old pre-retiree in Ontario with a bonus sitting in savings, a stock that's up $15,000, and unused TFSA room. Maxing the TFSA felt like the responsible move, and it's the advice most people hear. But in the 5 to 10 years before retirement, funding it the wrong way can cost you more than it saves. Carlo covers why the funding source matters, how TFSA room and RRSP deductions behave

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22:58

5 Signs You're Doing Well Financially By Age...

AskTMFG The Podcast ·

2026/09/27

In this episode of AskTMFG, Financial Advisors Carlo Cansino and John Iaconetti walked through five signs that you're financially ahead at each stage of life in Canada, from your 40s through your 60s.In your 40s, Carlo and John said a good benchmark is retirement savings of about two to three times your annual income. Other signs are steady progress on your mortgage, diversified investments, surplus cash flow, and insurance in place to protect your income and your family. They acknowledged that

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12:07

How to Fix Your Retirement Withdrawal Plan (Before...

AskTMFG The Podcast ·

2026/09/25

In this episode of AskTMFG, Senior Financial Advisor Carlo Cansino walked through a real client case: a couple with four accounts (an RRSP, a LIRA from a former employer, a TFSA, and a non-registered account), all built over 30 years with no plan for how to draw them down in retirement. The couple had been spending out of habit. They pulled from the TFSA for home repairs and vacations while the non-registered account kept generating taxable income every year. Their RRSP sat untouched and kept

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10:36

Why Everything Changed in Retirement For Canadians in...

AskTMFG The Podcast ·

2026/09/20

In this episode of AskTMFG, Financial Advisors Carlo Cansino and John Iaconetti walked through every major government change that took effect for Canadian retirees in 2025, covering CPP, Old Age Security, and the Guaranteed Income Supplement.The maximum monthly CPP payment rose to $1,406.10 in January 2025, up from $1,364.60 the year before, with the yearly maximum pensionable earnings increasing to $71,300. Carlo and John also explained CPP2, the additional tier of contributions introduced on

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12:31

CPP at 60 vs 70: Why Your RRSP Balance Matters More...

AskTMFG The Podcast ·

2026/09/18

In this episode of AskTMFG, Senior Financial Advisor Carlo Cansino tackles one of the most common misconceptions in CPP planning: that delaying CPP to age 70 is automatically the smarter move. The answer isn't as simple as the standard break-even math suggests. Most CPP comparisons stop at the age when the larger deferred payments overtake the smaller early payments, typically around age 79, but that number ignores what funds the wait. Using a 60-year-old retiree with a $600,000 RRSP who needs

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7:26

Is Your $1 Million Enough? The New Reality of...

AskTMFG The Podcast ·

2026/09/13

In this episode of AskTMFG, Carlo Cansino and John Iaconetti tackle one of the most common questions they hear from Canadian retirees: is $1 million still enough to retire on.The answer looks different than it did just a few years ago. Most people assume a million dollar portfolio supports $50,000 to $60,000 a year in spending, but a more sustainable range is actually $35,000 to $45,000, depending on where you live and how inflation has affected your cost of living. Carlo and John walk through why

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11:05

Pension vs. RRSP at 75: Which One Saves You More Money?

AskTMFG The Podcast ·

2026/09/11

In this episode of AskTMFG, Carlo Cansino compares two common retirement income profiles at age 75: a retiree with a $60,000 a year indexed defined benefit pension, and a retiree holding $900,000 in an RRSP. The RRSP balance appears larger on paper, but a closer look at the tax treatment of each reveals a more nuanced picture.Both retirees start at 65 with the same CPP and OAS baseline, but their income paths diverge fast. The pension grows only with inflation, reaching $73,140 by 75. The RRSP,

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11:18

5 Changes Canadian Retirees Wish They Told Themselves...

AskTMFG The Podcast ·

2026/09/06

In this episode of AskTMFG, Carlo Cansino and John Iaconetti break down the five changes Canadian retirees consistently say they wish they'd made at age 55, using a real client couple to show what happens when a plan is missing.At 55, you still have time to course correct: understanding CPP and OAS eligibility before you're locked into a claiming decision, diversifying and rebalancing your portfolio as risk tolerance shifts, maximizing RRSP and TFSA contribution room while it's available, paying

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11:50

11 Brutally Honest Retirement Truths Every Canadian...

AskTMFG The Podcast ·

2026/09/04

In this episode of AskTMFG, Carlo Cansino walks through 11 assumptions that quietly derail retirement plans, even for people who did everything right on paper. Carlo covers the blind spots most retirees never plan around: treating home equity as income when it's rarely touched, assuming a spouse can step in without a written plan, letting kids' requests erode savings without a set number in advance, and waiting too long to gift an inheritance that would matter more now than later. He also breaks

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11:07

When It Makes COMPLETE Sense To Draw From RRSPs First…

AskTMFG The Podcast ·

2026/08/30

In this episode of AskTMFG, John Iaconetti and Carlo Cansino tackle a question they hear constantly: should you draw from your RRSPs early to delay starting CPP?They walk through the false beliefs that trip people up, like assuming CPP is always best taken early or that avoiding tax now is automatically the smarter move, and how those beliefs can lead to higher tax brackets, OAS clawback, and smaller lifetime CPP benefits. Using a client case, Gary and Susan, both 63 with $500,000 in RRSPs, they

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13:03

If You Have $1M Saved, Don't Take CPP at 65

AskTMFG The Podcast ·

2026/08/28

In this episode of AskTMFG, Carlo Cansino breaks down when delaying CPP actually makes sense for retirees with significant savings, using a client example, Doug, to walk through the math. Most Canadians start CPP the moment they're eligible, but for someone like Doug, with $1.3 million saved and a $20,000 guaranteed income floor before CPP even enters the picture, the decision becomes a planning lever rather than a cash flow necessity. Carlo names four cases where delay isn't the right call: a

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13:02

We Have Reviewed 10 RRSP Strategies...Is The Meltdown...

AskTMFG The Podcast ·

2026/08/23

In this episode of AskTMFG, John Iaconetti and Carlo Cansino review 10 common RRSP strategies and mistakes, and break down which approach actually wins out for long-term retirement savings.They walk through nine missteps clients bring to them again and again: contributing right at the deadline instead of throughout the year and losing months of tax-deferred growth, contributing only the minimum instead of maximizing long-term benefit, parking funds in low-risk assets like GICs that can't keep pace

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10:08

Do These 5 RRIF Tax Hacks Before Age 71

AskTMFG The Podcast ·

2026/08/21

In this episode of AskTMFG, Carlo Cansino walks through five RRIF moves that most Canadians never think to make before age 71. The mandatory RRIF withdrawal itself can't be changed, but nearly everything around it can, and that's where the tax savings are hiding.He covers five specific hacks: converting a small slice of your RRSP into a RRIF at 65 to unlock the $2,000 pension income tax credit (and open up income splitting with a spouse), transferring investments in kind rather than cashing out

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10:13

This NEW Retirement Calculator Makes NO Sense For...

AskTMFG The Podcast ·

2026/08/16

In this episode of AskTMFG, John Iaconetti and Carlo Cansino dig into a tool most people trust without question: the free online retirement calculator. It looks simple, professional, and authoritative. Plug in your age, income, and savings, and it returns a clear chart showing whether you're on track. The problem is that these calculators are quietly getting the answer wrong for millions of Canadians.They unpack four flaws that show up across virtually every standard calculator: a flat 3% inflation

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9:42

5 Reasons to Convert Your RRSP to a RRIF Before 71...

AskTMFG The Podcast ·

2026/08/14

In this episode of the AskTMFG Podcast, Carlo Cansino, Senior Financial Advisor with The McClelland Financial Group, tackles a decision most Canadians leave until the CRA forces their hand: when to convert an RRSP into a RRIF. Age 71 feels like the deadline, but it's actually the last resort; everything before that is a choice, and the clients who convert early usually end up with more control, not less. He walks through why converting before 71 lets you set your own withdrawal size instead of being

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8:08

Here's The SECRET To A Richer Retirement NO ONE Talks...

AskTMFG The Podcast ·

2026/08/09

In this episode of the AskTMFG Podcast, John Iaconetti and Carlo Cansino dig into a timing factor most Canadians never think to plan around: the specific month you retire. It's easy to pick a retirement date based on a birthday or an anniversary, but the month can quietly reshape your tax bracket, benefit eligibility, and first-year cash flow.They unpack why mid-year retirements can stack salary, unused vacation payouts, and partial pension income into one tax year and trigger unnecessary tax

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9:06

$80K Pension vs $1M Net Worth: Who is Richer?

AskTMFG The Podcast ·

2026/08/07

In this episode of the AskTMFG Podcast, Carlo Cansino breaks down why a guaranteed pension isn't always the better deal compared to savings, using a side-by-side case study of two retirees. Sandra retires with an $ 80,000-per-year pension plus maxed-out CPP and OAS, landing at roughly $107,000/year — fully taxable. Mark retires with $1,000,000 split across an RRSP, TFSA, and non-registered account, and, on the surface, looks $40,000/year short.He unpacks why Sandra's "bigger number" actually costs

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8:59

DO THIS To Avoid The RRSP Tax TRAP

AskTMFG The Podcast ·

2026/08/02

In this episode of the AskTMFG Podcast, Carlo Cansino breaks down how to avoid the RRSP tax trap for Canadians approaching retirement with large registered balances. Using a $1.7 million RRSP client as an example, he walks through the key questions that shape a smart withdrawal strategy, account consolidation, spousal income splitting, other assets, retirement income needs, CPP/OAS timing, TFSA room, and current versus future tax brackets, then lays out the actual plan: drawing down RRSPs early

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9:24

Don't Make These 3 CPP Mistakes in Your First Year of...

AskTMFG The Podcast ·

2026/07/31

In this episode of the AskTMFG Podcast, Carlo Cansino breaks down the three most common (and expensive) CPP mistakes new retirees make in their first year, using Frank as a case study. He retired at 62 with a $650,000 combined RSP/TFSA portfolio and $25,000 a year in consulting income.He unpacks why retiring and starting CPP are two completely separate decisions (taking CPP at 60 instead of waiting to 70 locks in a permanent swing of over $1,000 a month for life), why CPP payments aren't taxed at

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77 results

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