The McClelland Financial Group

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Anyone can sound like an expert. Only a professional can prove it when it matters.Mike makes this case in a recent piece...
09/02/2026

Anyone can sound like an expert. Only a professional can prove it when it matters.

Mike makes this case in a recent piece for Wealth Professional: real expertise isn't about sounding smart; it's the judgment, experience, and accountability built over years, something a quick search or AI tool can't replicate.

For anyone deciding who to trust with their retirement, it's a useful lens for what actually matters.

📌 Read Mike's full piece via the link in bio.

09/01/2026

Quick question: if you're retired or close to retirement...could you explain the difference between CPP and OAS?

Not "kind of." Not "I think so." If a friend or family member approaching retirement asked you right now, could you do it with confidence?

Most people can't. And when retirement hits at 60, 65, 70, all these decisions land at once, and CPP/OAS becomes a giant question mark.

🎧 Full breakdown in this week's episode - link in bio.

📌 Have questions about your own CPP/OAS timing? Contact us - Find the link in the comments 👇

09/01/2026

Only 36% of Canadians correctly understand that CPP payments increase the longer you wait to take them, and just 17% understand the same about OAS, according to a survey of 8,600 Canadians by Employment and Social Development Canada. In this episode of Think Smart with TMFG, Gabriel Zitoli, financia...

09/01/2026

A few money habits are harmless in your 30s and 40s... but they get expensive fast once retirement is close. ⬇️

Here are three that could cost you the most:
❌ Living without a budget:
❌ Staying in "save it and don't touch it" mode
❌ Letting expenses run on momentum instead of need

The fix?
✅ Pull the last 12 months of your bank and credit card statements and total them up; that's your starting number
✅ Map your withdrawal order (RRSP, TFSA, non-registered) before you take your first withdrawal; it affects your tax bill and whether you keep your full OAS

Save this for later, or send it to someone who needs to hear it.

Speaker: Gabriel Zitoli, Financial Advisor at The McClelland Financial Group of CI Assante Wealth Management Ltd.

Anyone can sound like an expert. Only a professional can prove it when it matters.Mike makes this case in a recent piece...
08/29/2026

Anyone can sound like an expert. Only a professional can prove it when it matters.

Mike makes this case in a recent piece for Wealth Professional: real expertise isn't about sounding smart; it's the judgment, experience, and accountability built over years, something a quick search or AI tool can't replicate.

For anyone deciding who to trust with their retirement, it's a useful lens for what actually matters.

📌 Read Mike's full piece via the link in bio.

08/26/2026

Two retirement plans. Same savings, same goals, same investments, but one of them costs $200,000 more in taxes. Here's why. 💸

We modelled two retirement plans side by side for the same client profile, $2 million across RRSPs, TFSAs, and non-registered accounts, with the same lifestyle and investment assumptions. The only thing that differed was how the income was structured.

The results weren't close. 👇

✅ Plan A: lifetime taxes paid were approximately $642,000
✅ Plan B: lifetime taxes paid were approximately $436,000, more than $200,000 in savings
✅ Plan B also retained more OAS benefits and produced a larger estate value by age 90
✅ None of it came from better investment returns; the difference came entirely from how withdrawals, CPP timing, and account structure were coordinated

🎥 Full episode on YouTube: "Two Retirement Plans, One Paid $206,000 More in Taxes" - link in the comments.

Comment "plan" if you want to see whether opportunities like this exist inside your own retirement plan. 👇

Speaker: Carlo Cansino, Senior Financial Advisor at The McClelland Financial Group of CI Assante Wealth Management Ltd.

08/25/2026

Your business can't be an ATM.

CPA Peter McCarroll sees this constantly: owners dipping into the account whenever cash is needed, then scrambling when a tax bill lands.

His fix is simple: plan your cash flow before you need it, not after.

Be honest: do you check your bank balance before spending, or do you actually plan it out? 👇

🎧 New episode is live now 🏃‍♂️‍➡️ link in bio.

08/25/2026

In the first episode of the Think Smart with TMFG Expert Advice subseries, we sit down with Peter McCarroll, CPA and founder of Fuel Accountants and The AI Accountant, to break down what's driving that split, how AI adoption is already reshaping business valuations, and why the businesses that start...

08/25/2026

Still managing your own retirement? Here are 3 signs it might be time to bring in a pro. ⬇️

✅ You've maxed out your registered accounts and now have a non-registered account
✅ You don't have a withdrawal strategy
✅ You no longer have the time or the emotional bandwidth to manage the market's ups and downs

We put together a free guide, "10 Critical Mistakes People Make When Planning for Retirement," to help you get started. Link in bio.

Speaker: Ingrid Kucera, Financial Advisor at The McClelland Financial Group of CI Assante Wealth Management Ltd.

08/21/2026

We're introducing Expert Advice, a new series within Think Smart with TMFG Podcast, bringing in outside voices to dig into the topics shaping your money and your business.

Peter McCarroll, CPA, founder of Fuel Accountants and The AI Accountant, joins us for this first conversation to talk about something most business owners haven't caught on to yet: AI is already changing what businesses are worth.

🎙️ Launching August 25th
📲 Follow the Think Smart Podcast for new episodes and special series like this one.
🎧 Available on Podbean, Apple Podcasts, Spotify, and YouTube Music. LINK IN BIO
👉 PODCAST LINK IN BIO

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