The McClelland Financial Group

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The McClelland Financial Group Please visit www.assante.com/legal for important legal and regulatory disclosures.

Helping Canadians 50–65 retire without running out of money | Download The Free Retirement Readiness Resource 👇

Free Canadian Retirement Resources: https://linktr.ee/themcclellandfinancialgroup_

10/23/2026

If you could ask a retiree one question, what would it be? 🤔

Sometimes the best retirement advice comes from people already living it.

What would you ask? 👇

10/22/2026

One spouse paying way more tax than the other in retirement? That's usually a sign that some planning opportunities are being missed.

Many couples assume their retirement income will naturally balance itself out. In reality, a few simple strategies can help reduce the overall tax bill paid by the household.

💡 Ways couples may be able to split retirement income:
• Pension income splitting
• CPP sharing
• Spousal RRSPs
• TFSA funding strategies
• Spousal loans

When it comes to retirement income, it's the combined tax bill that matters.

And in many cases, the right income-splitting strategy can help manage issues like OAS clawbacks and unnecessary tax bracket creep.

📌 Save this for your next retirement planning meeting or share it with your spouse!

💬 Comment "COUPLES" if you'd like our free retirement guide.

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

10/21/2026

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

That may sound counterintuitive, but for retirees with substantial savings, delaying CPP could lead to significantly more guaranteed, inflation-adjusted income for life.

In our latest episode, "If You Have $1M Saved, Don't Take CPP at 65," we break down the math, explore the trade-offs, and explain why waiting until age 70 may be a powerful strategy for some Canadians.

✅ How CPP grows when you delay
✅ The break-even point to consider
✅ Why a $1M portfolio changes the conversation

🎥 Watch the full episode.

🔗 Link in the comments.

10/20/2026

Two in five Gen Z Americans now see sports betting as an investment. In this episode of Think Smart with TMFG, we look at the rise of online sports betting in North America, more specifically in Canada and why a generation raised on instant returns is forgetting that the house always wins. Ontario.....

10/20/2026

When did betting start to feel like investing?

You’ve probably seen it. A friend checking their phone every few minutes during a game. A group chat full of parlays. Someone who suddenly cares a lot about a volleyball match because they have money riding on it.

Betting has never been easier. It’s on your phone, in your feed, and in the ads during every hockey game. When a few dollars could turn into a lot more by tomorrow, it can start to feel like a smarter move than saving or investing.

That’s the part worth thinking about. Investing grows slowly and steadily. Betting is built so the house comes out ahead over time.

In this week's episode, we discuss how sports betting became part of everyday life, why so many people now see it as a way to build wealth, and how to talk about it with the people you care about.

🎧 Listen to the full episode in the comments below 👇

10/17/2026

"If I could do one thing differently before retirement..."

We asked retirees to share the lessons they learned looking back. From better planning to finding meaningful activities for life after work, their advice offers valuable perspective for anyone preparing for retirement.

What would you do differently if you had the chance?

🎓 Congratulations to Maddie Strike, recipient of the 2026 TMFG Scholarship!We're proud to support students who demonstr...
10/16/2026

🎓 Congratulations to Maddie Strike, recipient of the 2026 TMFG Scholarship!

We're proud to support students who demonstrate academic excellence, community involvement, and a commitment to their future.

In Madelène's words:

"I am truly honoured to have been selected as this year's recipient of The McClelland Financial Group Scholarship. Thank you for your generous support and for recognizing my academic achievements and contributions to my community. I sincerely appreciate your investment in my education as I begin my studies at Brock University."

Congratulations on this well-deserved accomplishment, Madelène.

🔗 Learn more about the TMFG Scholarship and past recipients through the website link in our bio.

10/15/2026

Think your TFSA is just a savings account? Most Canadians aren't using its full potential.

✅ Your 2026 TFSA contribution limit is $7,000, and eligible Canadians who have never contributed could have up to $109,000 of room available
✅ Withdrawals are added back to your contribution room, but not until January 1 of the following year
✅ A higher-income spouse can contribute money to a lower-income spouse's TFSA without triggering attribution rules
✅ TFSAs can hold more than cash, including GICs, stocks, ETFs, and other qualified investments
✅ TFSA withdrawals don't count as taxable income, helping protect OAS and other income-tested benefits

A few smart TFSA strategies can make a bigger difference than most people realize.

💬 Comment "TFSA" and let's talk about how to make your tax-free savings work harder for your future.

Speaker: Gabo Ron Lleras, Associate Financial Advisor at The McClelland Financial Group of CI Assante Wealth Management Ltd.

10/14/2026

💡 Are you making one of the most common RRIF mistakes without realizing it?

In this episode, we break down the Top 5 RRIF Mistakes You Can't Afford to Make and share practical strategies to help you avoid costly retirement planning pitfalls.

Whether you're already drawing income from your RRIF or preparing for retirement, these insights could help you make more informed financial decisions.

🎥 Watch now and learn how to make your retirement savings work smarter. Full episode link in the comments.

10/14/2026

Your mortgage renewal quote went up... but the Bank of Canada didn't raise rates.

So what changed?

In our newest episode of Think Smart with TMFG, Mike Connon and Tyler Robertson explain what really drives fixed mortgage rates, why bond markets matter, and what homeowners should consider before renewing their mortgage.

If you have a renewal coming up, this is an episode you won't want to miss.

Address

675 Cochrane Drive
Markham, ON
L3R0B8

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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