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_

10/17/2026

"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.

10/13/2026

You check your mortgage renewal quote one week, then look again a few days later, and the rate is higher. The Bank of Canada hasn't changed interest rates, so what happened? In this episode of Think Smart with TMFG, we discuss why fixed mortgage rates in Canada can rise even when the Bank of Canada....

10/12/2026

Some of the most important conversations a family can have are often the most difficult to begin.

In a recent The Globe and Mail article, TMFG's Senior financial advisor Carlo Cansino shared insights on how family wealth meetings can help create greater clarity, understanding, and confidence across generations.

Read the full article to learn more: https://www.theglobeandmail.com/investing/globe-advisor/advisor-practice/article-planning-a-family-wealth-meeting-here-are-five-steps-to-take/

10/09/2026

Think you understand Old Age Security? Here's everything you need to know in 60 seconds.

✅ Eligibility: based on years lived in Canada after 18, not years worked or contributed
✅ Timing: start at 65 or delay to 70 for a larger monthly payment
✅ Clawback: starts at $95,323 of net income in 2026, at 15% of every dollar above it
✅ Full clawback: about $154,708 for ages 65–74 and $160,647 for ages 75+

Knowing where these lines fall can shape how you plan your retirement income.

💬 Comment "CLAWBACK" and we'll cover it next.

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

10/07/2026

A guaranteed pension sounds safe. But safe isn't flexible. 🔒

Picture two retirees. Sandra has a guaranteed pension, Mark has a $1M portfolio. Who's better off?

✅ Sandra's income at 65 is her income at 85
✅ When she and her spouse pass, nothing is left behind
✅ Mark's $1M portfolio can still leave a six-figure legacy after 20 years

🎥 Full episode on YouTube: "$80K Pension vs $1M Net Worth: Who is Richer?" - find the link in the comments.

📘 Comment GUIDE and we'll send you our free resource, "10 Critical Mistakes People Make When Planning for Retirement." 👇

10/06/2026

"Same savings. Same investments. Same average return." Doesn't mean the same retirement.

One retiree still has money in their 90s. The other runs out in their early 80s. The difference is sequence of returns risk, the order your good and bad years happen in once you start withdrawing.

In this week's episode, we walk through a simple example that shows exactly how much this can swing your numbers, and what to do before a downturn hits.

🎧 Ep. 376: What Is Sequence-of-Returns Risk? - The Retirement Withdrawal Order That Can Make or Break Your Plan

📌 Full episode link in bio, or comment "Sequence" below and we'll send it to you directly.

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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