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	    Jim Otar | Advisor.ca	</title>
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	<link>http://www.advisor.ca</link>
	<description>Advisor.ca is a go-to resource for Canadian retail financial advisors, covering news about financial markets, insurance, investments, practice management, and tax and estate planning needs.</description>
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		<title>Stress Testing Your Retirement Plan: &#8220;How Big is My Cushion?&#8221;</title>
		<link>http://www.advisor.ca/continuing-education/stress-testing-your-retirement-plan-how-big-is-my-cushion-75871?rss=yes</link>
		<comments>http://www.advisor.ca/continuing-education/stress-testing-your-retirement-plan-how-big-is-my-cushion-75871#comments</comments>
		<pubDate>Tue, 03 Apr 2012 14:00:04 +0000</pubDate>
		<dc:creator>_stephv</dc:creator>
				<category><![CDATA[Continuing Education]]></category>

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                                    <description><![CDATA[The single most important question of a client close to or in retirement is, &#8220;Do we have enough money to retire?&#8221; To measure the financial capacity of a client, I categorize him into one of the three zones: Red, green and grey.]]></description>
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		<title>Pitching disability coverage</title>
		<link>http://www.advisor.ca/insurance/life/pitching-disability-coverage-3705?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/life/pitching-disability-coverage-3705#comments</comments>
		<pubDate>Tue, 08 Jun 2010 10:11:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Life]]></category>

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                                    <description><![CDATA[Picture this: You have a client &#8211; 10 years away from retirement &#8211; who comes to you for retirement advice. You spend several hours, maybe a full day with him, going over many different retirement scenarios. At the end of this exercise, you prepare a plan that is as thick as a phone book. In ...]]></description>
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		<title>How to overfund UL</title>
		<link>http://www.advisor.ca/insurance/life/how-to-overfund-ul-3824?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/life/how-to-overfund-ul-3824#comments</comments>
		<pubDate>Sat, 01 Aug 2009 12:57:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Life]]></category>

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                                    <description><![CDATA[“What?” you might say, “I didn’t know universal life insurance (UL) had an expiry date!” Relax. You’re right. UL doesn’t come with an expiry date. As long as you pay the premiums on time, you’re covered. “But if lifelong payment seems like a long commitment, universal life has a clause—quick-pay UL insurance—that allows the insured ...]]></description>
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		<title>Income planning case studies</title>
		<link>http://www.advisor.ca/investments/market-insights/income-planning-case-studies-4305?rss=yes</link>
		<comments>http://www.advisor.ca/investments/market-insights/income-planning-case-studies-4305#comments</comments>
		<pubDate>Tue, 07 Apr 2009 01:49:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Market Insights]]></category>

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                                    <description><![CDATA[Proper retirement planning requires planning for the worst, so deciding what to focus on in a retirement plan is no easy task. More often than not, financial planners think in terms of accumulation. But, once you switch from the accumulation stage to the distribution stage, the math is entirely different. While you can talk about ...]]></description>
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		<title>Pitfalls of leveraging</title>
		<link>http://www.advisor.ca/investments/market-insights/pitfalls-of-leveraging-4319?rss=yes</link>
		<comments>http://www.advisor.ca/investments/market-insights/pitfalls-of-leveraging-4319#comments</comments>
		<pubDate>Sun, 01 Feb 2009 11:35:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Market Insights]]></category>

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                                    <description><![CDATA[The notion of borrowing money to invest likely isn&#8217;t first and foremost on most people&#8217;s minds in a down market. But I&#8217;ve come across yet another study touting the benefits of leveraging retirement savings. The release of the June 2008 working paper, Life-Cycle Investing and Leverage: Buying Stock on Margin Can Reduce Retirement Risk, written ...]]></description>
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