HeyJaredAskTMFG The Podcast
AskTMFG, brought to you by The McClelland Financial Group of Assante Capital Management Ltd, offers clear and straightforward guidance on investing, retirement planning, and wealth management.
- Indexed episodes, last 90 days
- 24
- Latest publication
- Sep 20, 2026
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- Earliest in this view
- Jul 3, 2026
Latest episodes
Why Everything Changed in Retirement For Canadians in 2025 (opens the original)
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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
CPP at 60 vs 70: Why Your RRSP Balance Matters More Than You Think (opens the original)
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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 $
Is Your $1 Million Enough? The New Reality of Retirement in Canada (opens the original)
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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
Pension vs. RRSP at 75: Which One Saves You More Money? (opens the original)
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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,
5 Changes Canadian Retirees Wish They Told Themselves At 55 (opens the original)
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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, payin
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