The McClelland Financial Group

The biggest question in retirement isn't "How much will I have?", it's "How much will I keep after tax?"

For high-net-worth Canadians, every withdrawal has a tax story. Current and future RRSP and RRIF draws can push you into higher brackets and trigger OAS clawback, while capital gains and eligible dividends are often taxed more favourably. Add a corporation to the mix, and it gets more complex.

A coordinated withdrawal strategy helps you keep more of your money, both in the early years and later in retirement. If you're planning ahead with significant assets, let's talk.

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

📞 +1 905-771-5200 - Reach out to start the conversation.

If you're 60 with $1.5M saved and a target of $6,500/month in retirement, do you actually know where that income is coming from?

In this episode of AskTMFG, we walk through a real Canadian example and cover two questions most people haven't thought through: which accounts your income is coming from, and how each one gets taxed differently. Including what happens to your Old Age Security if your income crosses $95,000.

Watch the full episode on our YouTube channel: "I'm 60 with $1.5M… Am I Ready to Retire in Canada?" 👇 Link in the comments.

Regular employees have a retirement date circled on the calendar. Business owners rarely do, and that's exactly why retirement planning looks so different for them.

In this week's episode of Think Smart with TMFG, Mike and Carlo talk about why business owners need to build their own retirement structure, why cash flow inside a business can give a false sense of security, and why the best time to start planning is long before you're ready to leave.

🎧 This is Part 1 of a 2-part series - Part 2 drops next week!

Listen now - link in the comments below👇

Did you know? 56% of Canadian family business owners plan to retire within the next 10 years, but fewer than 25% have a solid succession plan in place.
If you're a business owner, the earlier you start planning your exit, the more options you'll have to protect your wealth and your legacy.

One strategy worth knowing: an estate freeze. It locks in the current value of your business today, so future growth can pass to your successors more tax-efficiently.

Combined with the Lifetime Capital Gains Exemption, which in 2026 could shelter up to $1.25M in capital gains on qualifying small business shares proper planning can lead to significant tax savings.

A successful exit doesn't happen by accident. It happens through careful, early planning.

If you're a business owner, now's the time to start the conversation. Reach out to our team to learn more. 👇

👍 Like and share with a business owner in your life
📩 Message us or click the link to book a conversation

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

Canadians are heading into retirement with a savings number in mind. But they don't really have a plan behind it.

In this AskTMFG episode, we walk through why retirement readiness isn't about hitting $1M, it's about understanding where your income is actually coming from, when it starts, and what happens in the gap before CPP and OAS kick in.

There are 5 key areas that determine whether your plan holds up. This is the first one.

Watch the full episode on YouTube: "Not Sure You Can Retire? Ask Yourself This First" 👉 Find the link in the comments.

Many Canadians thought inflation was behind us.

But rising energy costs and ongoing global uncertainty have brought the conversation back.

The challenge for retirees is that inflation doesn't just affect prices. It affects purchasing power, retirement income, spending decisions, and how long savings may need to last.

In this episode of Think Smart with TMFG, Financial Advisors Mike Connon and Carlo Cansino discuss why inflation feels different in retirement, how portfolios can help address rising costs over time, and why flexibility remains an important part of any long-term retirement plan.

🎧 Listen to the full episode and learn how inflation could affect your retirement strategy, find the link in the comments 👇

Many investors view maximizing their RRSP as a major milestone.

The question is: what comes next?

While RRSPs remain an important retirement planning tool, they aren't the only account available to investors. Once contribution room has been maximized, non-registered investment accounts can offer additional flexibility and help diversify future retirement income sources.

One of the key distinctions is tax treatment. RRSP and RRIF withdrawals are generally fully taxable, while non-registered accounts may benefit from capital gains treatment on investment growth.

The right strategy will depend on an individual's goals, tax situation, and retirement plan, but understanding the role of different account types can help create more flexibility over the long term.

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