Here's The SECRET To A Richer Retirement NO ONE Talks About

In this episode of the AskTMFG Podcast, John Iaconetti and Carlo Cansino dig into a timing factor most Canadians never think to plan around: the specific month you retire. It's easy to pick a retirement date based on a birthday or an anniversary, but the month can quietly reshape your tax bracket, benefit eligibility, and first-year cash flow. They unpack why mid-year retirements can stack salary, unused vacation payouts, and partial pension income into one tax year and trigger unnecessary tax burdens, why CPP and OAS don't start automatically and need to be coordinated months in advance to avoid income gaps, and how different months carry different advantages, January for a clean tax-year split, December for maximizing year-end bonuses and pension credits, while April/May can create confusion as T-slips and multiple income sources collide in the same tax cycle. They wrap up with a simple framework: map out your income streams for the first 12 months post-retirement, coordinate CPP, OAS, and pension timing together rather than separately, and work with a financial planner to pick a retirement month, not just a retirement year. 👉 Watch the full episode here: https://youtu.be/3r_LkceCc6w  Question for our listeners: Have you thought about which month you'll retire in, or just which year? 👉 Complimentary portfolio analysis: https://tmfg.ca/portfolio-analysis/ Follow us: LinkedIn: The McClelland Financial Group Facebook: https://www.facebook.com/tmfg.ca Instagram: https://www.instagram.com/themcclellandfinancialgroup_/