Think Smart with TMFG

The McClelland Financial Group of CI Assante Wealth Management Ltd.
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Take control of your financial future with expert insights, tips, and guidance from Senior Financial Advisor Mike Connon, Senior Financial Advisor Carlo Cansino, and Financial Advisor John Iaconetti at the McClelland Financial Group of CI Assante Wealth Management Ltd.

  1. 6日前

    Client Stories Series | Episode 366: Fostering, Family And What Money Is Really For

    In this episode of Think Smart with TMFG: Client Stories, we sit down with Trish Lyle, a longtime TMFG client who spent 22 years as a foster parent to 135 children, alongside raising seven of her own. Together, we talk about what it really means to build a life and a home around family, generosity, and love rather than financial limits. From a 15-passenger van and a four-by-eight-foot dining table to saying goodbye at the driveway more times than she can count, this conversation explores what it actually looks like behind the scenes of a life built around caring for others. We also discuss the financial realities of opening your home to so many children, the moments of heartbreak and joy that came with letting go, and why Trish says family, not the house it lives in, is what home really means. Question for our listeners: What does "home" mean to you? 📌 If you'd like to learn more about who we are and how we help individuals and families navigate long-term financial decisions, you can connect with our team here: Schedule a meeting. 🎧 Listen to the full episode on YouTube. Follow us: LinkedIn: The McClelland Financial Group Facebook: https://www.facebook.com/tmfg.ca  Instagram: https://www.instagram.com/themcclellandfinancialgroup_/

    Client Stories Series | Episode 366: Fostering, Family And What Money Is Really For

  2. 7月14日

    Episode 365: Do You Actually Know How Much Risk You’re Taking?

    You filled out a risk questionnaire once, when you opened your account, and probably never looked at it again. But do you actually know how you'll react if your portfolio drops 20%? In this episode of Think Smart with TMFG, we unpack risk tolerance vs. risk capacity: what a risk questionnaire is really measuring, and why the answers people give in a calm market rarely hold up once one turns. We dig into recency bias, why investors overestimate their risk tolerance in good markets, and why fund flow data shows people moving into equities at the top and fleeing to cash at the bottom, exactly backwards. We also cover the handful of life events that should actually change your risk profile: retirement, losing a spouse, or simply getting older. 📌 If it's been years since you reviewed your risk profile, feel free to reach out. We'd be happy to help you through those decisions: Schedule a meeting here 🎧 Listen to the full episode on YouTube. Follow us: LinkedIn: The McClelland Financial Group Facebook: https://www.facebook.com/tmfg.ca  Instagram: https://www.instagram.com/themcclellandfinancialgroup_/

    Episode 365: Do You Actually Know How Much Risk You’re Taking?

  3. 7月7日

    Business Owner Series | Episode 364: What Successful Founders Do Differently With Their Money

    Most founders can tell you their business's revenue down to the penny, but ask about their own net worth, and they draw a blank.  In this episode of Think Smart with TMFG, we unpack founder compensation and personal wealth-building: why so many successful business owners are asset-rich on paper but personally behind, and why that gap only gets harder to close the longer you wait. We dig into how you pay yourself: salary builds CPP and RRSP room, while dividends offer tax advantages but no CPP contributions, and aren't deductible to the corporation. We also cover using corporate debt to build income (versus personal debt to buy things), insurance as a corporate wealth tool, and the capital dividend account, a lesser-known way to pull money out of your company tax-free. Finally, we share the habit that separates founders who build lasting wealth from those who don't: knowing when to stop reinvesting everything and start retaining earnings, even just 10–20%, so a rough year for the business doesn't become a personal financial crisis. 📌 If you're a founder or business owner rethinking how you pay yourself or reinvest, feel free to reach out. We'd be happy to help you through those decisions: Schedule a meeting here 🎧 Listen to the full episode on YouTube. Follow us: LinkedIn: The McClelland Financial Group Facebook: https://www.facebook.com/tmfg.ca  Instagram: https://www.instagram.com/themcclellandfinancialgroup_/

    Business Owner Series | Episode 364: What Successful Founders Do Differently With Their Money

  4. 6月30日

    Episode 363: GIC Renewals and the Return to Lower Rates

    This summer, a wave of Canadians will open their mail to find a GIC renewal notice, and the new rate won't look anything like the 5% they locked in back in 2023. In this episode of Think Smart with TMFG, we go back to square one on Guaranteed Investment Certificates: what they actually are, why so many people own them without realizing it, and why the timing of this year's renewal wave matters so much. We also dig into one of the biggest drawbacks of GICs: their tax treatment. Interest income is taxed at your top marginal rate, and accumulation GICs can leave you paying tax on money you haven't even received yet. For retirees focused on keeping their tax bill low, we discuss why those forgotten GICs often show up as an unexpectedly high interest line on a tax return. From there, we break down the hybrid and index-linked GICs and liquidity risk, why locked-in money can be a problem inside a corporation or in a pinch, and the liquid alternatives like high-interest savings and money market funds that can serve a similar purpose. Finally, we share practical strategies if GICs are right for you: laddering for liquidity, why you should always negotiate rather than accept the artificially low posted renewal rate, and the importance of watching CDIC coverage limits, especially outside the big five banks. 📌 If you have a GIC coming due this summer, personally or inside your company, feel free to reach out before the renewal date. We'd be happy to help you through those decisions: Schedule a meeting here 🎧 Listen to the full episode on YouTube. Follow us: LinkedIn: The McClelland Financial Group Facebook: https://www.facebook.com/tmfg.ca Instagram: https://www.instagram.com/themcclellandfinancialgroup_/

    Episode 363: GIC Renewals and the Return to Lower Rates

  5. 6月23日

    Business Owners Series | Episode 362: Retirement Planning for Business Owners Part 2 – Getting the Business Ready to Sell

    In our last episode, we covered the foundation of retirement planning for business owners. Now we continue the conversation by looking at what it actually takes to get a business ready for a successful sale. What an owner thinks their company is worth doesn't always match what a buyer is willing to pay. We explore what buyers are really looking at when they assess value, and why most of them want to buy your cash flow, not your business. We also discuss why heavy owner dependency, mixed personal and business expenses, and customer concentration can all quietly hurt your valuation. From there, we break down EBITDA, the difference between a share sale and an asset sale, and how family trusts can multiply the capital gains exemption. If you missed Part 1, go back and have a listen to Episode 361, where we covered the retirement planning foundation that sets all of this up. 📌 If you're a business owner starting to think seriously about a transition or succession, feel free to reach out. We'd be happy to help: Schedule a meeting here 🎧 Listen to the full episode on YouTube. Follow us: LinkedIn: The McClelland Financial Group Facebook: https://www.facebook.com/tmfg.ca Instagram: https://www.instagram.com/themcclellandfinancialgroup_/

    Business Owners Series | Episode 362: Retirement Planning for Business Owners Part 2 – Getting the Business Ready to Sell

  6. 6月16日

    Business Owners Series | Episode 361: Retirement Planning for Business Owners Part 1 – Building The Foundation

    As a business owner, retirement can feel like a distant thought when you're focused on building something; stepping away is the last thing on your mind. We explore why retirement planning looks different for business owners, why strong cash flow within a business can be misleading for long-term financial readiness, and why building assets outside the business is one of the most important steps an owner can take. We also discuss the value of creating your own pension plan through tools like an IPP, why diversifying your income sources matters more than many business owners realize, and how separating yourself financially from your business, early on, can lead to a stronger retirement and a higher business valuation when the time comes to sell. Finally, we touch on why preparing for a business transition isn't a one-year process, and why the best time to start thinking about your exit strategy is long before it feels urgent. This is Part 1 of a 2-part series. In our next episode, we continue the conversation by exploring what preparing for life after the business can look like as transition planning becomes more real. 📌 If you're a business owner starting to think more seriously about retirement planning or business succession, feel free to reach out to us. We'd be happy to help: Schedule a meeting here 🎧 Listen to the full episode on YouTube. Follow us: LinkedIn: The McClelland Financial Group Facebook: https://www.facebook.com/tmfg.ca Instagram: https://www.instagram.com/themcclellandfinancialgroup_/

    Business Owners Series | Episode 361: Retirement Planning for Business Owners Part 1 – Building The Foundation

  7. 6月9日

    Episode 360: Inflation Is Rising Again...What Should Retirees Do?

    As inflation rises, many retirees begin asking the same question: Will my retirement income still be enough 10, 20, or 30 years from now? In this episode of Think Smart with TMFG, we explore why rising costs create unique challenges for retirees, how inflation impacts retirement income, and why maintaining purchasing power becomes one of the most important long-term planning considerations. We also discuss the risks of becoming too conservative with retirement savings, why relying heavily on fixed-income investments can create challenges during inflationary periods, and how equities can help retirees keep pace with rising costs over time. Finally, we discuss the importance of flexibility in retirement planning as health needs, family circumstances, spending goals, and economic conditions evolve throughout retirement. 📌 If you're concerned about how inflation may affect your retirement income, withdrawal strategy, or long-term financial plan, feel free to reach out to us. We'd be happy to help: Schedule a meeting here 🎧 Listen to the full episode on YouTube. Follow us: LinkedIn: The McClelland Financial Group Facebook: https://www.facebook.com/tmfg.ca Instagram: https://www.instagram.com/themcclellandfinancialgroup_/

    Episode 360: Inflation Is Rising Again...What Should Retirees Do?

  8. 6月2日

    Episode 359: 4 Wealth Transfer Problems Canadian Families Don’t Expect

    Many families spend decades building wealth, but far fewer prepare for how that wealth will eventually transfer to the next generation. In this episode of Think Smart with TMFG, we explore four common wealth transfer problems families often overlook, including avoiding difficult inheritance conversations, navigating family cottages, managing rising estate tax exposure, and preparing the next generation financially. We also discuss why more retirees are choosing to help their children earlier in life rather than solely through inheritance, how larger RRIFs and rising asset values are creating unexpected tax complexity, and why passing down wealth does not automatically transfer financial knowledge or responsibility. 📌 If you’re starting to think about retirement structure, estate planning, or long-term family wealth planning, feel free to reach out to us. We’d be happy to help. Schedule a meeting here We also help facilitate family meetings where these conversations can take place openly in a safe, structured environment. 🎧 Listen to the full episode on YouTube. Follow us: LinkedIn: The McClelland Financial Group Facebook: https://www.facebook.com/tmfg.ca Instagram: https://www.instagram.com/themcclellandfinancialgroup_/

    Episode 359: 4 Wealth Transfer Problems Canadian Families Don’t Expect
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番組について

Take control of your financial future with expert insights, tips, and guidance from Senior Financial Advisor Mike Connon, Senior Financial Advisor Carlo Cansino, and Financial Advisor John Iaconetti at the McClelland Financial Group of CI Assante Wealth Management Ltd.

情報

  • クリエイター
    The McClelland Financial Group of CI Assante Wealth Management Ltd.
  • 配信期間
    18年 - 26年
  • エピソード
    100
  • 制限指定
    不適切な内容を含まない
  • Copyright
    © Copyright 2020 All rights reserved.
  • 番組のWebサイト
    Think Smart with TMFG

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