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	    John J. De Goey | 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>Meet the Denialists</title>
		<link>http://www.advisor.ca/my-practice/meet-the-denialists-62723?rss=yes</link>
		<comments>http://www.advisor.ca/my-practice/meet-the-denialists-62723#comments</comments>
		<pubDate>Mon, 24 Oct 2011 19:34:41 +0000</pubDate>
		<dc:creator>jaq</dc:creator>
				<category><![CDATA[My Practice]]></category>

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                                    <description><![CDATA[I’d like you to meet a fictional couple named Jim and Betty Denialist, two advisors with Reasonable Financial Services.  Jim and Betty insist they are responsible advisors who help their clients make smart choices with their money and until recently, had always encouraged their clients to invest 100% of their money in mutual funds.]]></description>
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		<slash:comments>0</slash:comments>
                                            </item>
	            <item>
		<title>The professional way to get paid</title>
		<link>http://www.advisor.ca/my-practice/the-professional-way-of-getting-paid-57733?rss=yes</link>
		<comments>http://www.advisor.ca/my-practice/the-professional-way-of-getting-paid-57733#comments</comments>
		<pubDate>Thu, 15 Sep 2011 17:16:19 +0000</pubDate>
		<dc:creator>jaq</dc:creator>
				<category><![CDATA[My Practice]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=57733</guid>
                                    <description><![CDATA[Let’s face it, the ongoing discussion about the relative merits of differing compensation models is one of the defining issues of our generation for our industry.  The four basic options include:  by salary, by the hour, by assets and by commission.  There’s obviously room to mix and match and to use hybrid models, as well.  Any conversation about this topic requires the requisite disclaimer of ‘it’s a free country’ and ‘you can use any compensation model you want’, of course.]]></description>
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		<slash:comments>0</slash:comments>
                                            </item>
	            <item>
		<title>Tilting the three factor model</title>
		<link>http://www.advisor.ca/my-practice/taking-stock-of-dfas-55257?rss=yes</link>
		<comments>http://www.advisor.ca/my-practice/taking-stock-of-dfas-55257#comments</comments>
		<pubDate>Fri, 19 Aug 2011 14:28:34 +0000</pubDate>
		<dc:creator>jaq</dc:creator>
				<category><![CDATA[My Practice]]></category>

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                                    <description><![CDATA[Many advisors who use Dimensional Fund Advisors (DFA) often struggle in explaining how DFA products differ from various other products investors might choose.  One might say DFA’s approach is essentially passive but does not use conventional cap-weighted indexes like Barclay’s or Vanguard.]]></description>
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		<slash:comments>0</slash:comments>
                                            </item>
	            <item>
		<title>Like it or not, change is coming</title>
		<link>http://www.advisor.ca/my-practice/like-it-or-not-change-is-coming-51520?rss=yes</link>
		<comments>http://www.advisor.ca/my-practice/like-it-or-not-change-is-coming-51520#comments</comments>
		<pubDate>Wed, 22 Jun 2011 14:39:14 +0000</pubDate>
		<dc:creator>jaq</dc:creator>
				<category><![CDATA[My Practice]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=51520</guid>
                                    <description><![CDATA[I recently attended the CIFPs annual meeting where current trends in the industry where discussed. One of the topics was the strategic move to require all CFPs to put their clients' interests first. On the surface, this seems like motherhood and apple pie.  Beneath that surface, however, something far more contentious lurks.]]></description>
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		<slash:comments>2</slash:comments>
                                            </item>
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		<title>Asset class costs factor into planning</title>
		<link>http://www.advisor.ca/my-practice/are-you-planning-properly-52832?rss=yes</link>
		<comments>http://www.advisor.ca/my-practice/are-you-planning-properly-52832#comments</comments>
		<pubDate>Fri, 10 Jun 2011 17:56:59 +0000</pubDate>
		<dc:creator>jaq</dc:creator>
				<category><![CDATA[My Practice]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=52832</guid>
                                    <description><![CDATA[Many advisors shoulder the responsibility of supervising financial independence planning for their clients. What I’m curious about is whether or not they take cost or the method of payment into consideration when doing those projections.]]></description>
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		<slash:comments>1</slash:comments>
                                            </item>
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		<title>Three dollar raffle tickets</title>
		<link>http://www.advisor.ca/my-practice/three-dollar-raffle-tickets-48330?rss=yes</link>
		<comments>http://www.advisor.ca/my-practice/three-dollar-raffle-tickets-48330#comments</comments>
		<pubDate>Wed, 18 May 2011 17:00:43 +0000</pubDate>
		<dc:creator>jaq</dc:creator>
				<category><![CDATA[My Practice]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=48330</guid>
                                    <description><![CDATA[It seems a number of readers have recently either taken my points out of context or missed the point altogether.  Lately, I’ve been writing about cost and why it is important to keep expenses down.  People have written back and talked about the importance of planning, the randomness of returns for actively managed products and the overall quality of advice they give. ]]></description>
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		<slash:comments>1</slash:comments>
                                            </item>
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		<title>Mounting opposition to MERs</title>
		<link>http://www.advisor.ca/news/mounting-opposition-to-mers-43765?rss=yes</link>
		<comments>http://www.advisor.ca/news/mounting-opposition-to-mers-43765#comments</comments>
		<pubDate>Thu, 07 Apr 2011 15:21:32 +0000</pubDate>
		<dc:creator>jaq</dc:creator>
				<category><![CDATA[My Practice]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=43765</guid>
                                    <description><![CDATA[Over the years, many journalists (and only a few advisors) have lamented the comparatively high MERs charged by Canadian mutual fund companies. To date, the real alternatives for ordinary Canadians involved either “sucking it up” and doing nothing or moving toward a higher allocation in individual securities, exchange traded funds (ETFs) and / or index funds. ]]></description>
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		<slash:comments>7</slash:comments>
                                            </item>
	            <item>
		<title>An IPS, your ounce of prevention</title>
		<link>http://www.advisor.ca/my-practice/ips-your-ounce-of-prevention-41507?rss=yes</link>
		<comments>http://www.advisor.ca/my-practice/ips-your-ounce-of-prevention-41507#comments</comments>
		<pubDate>Wed, 09 Mar 2011 18:20:09 +0000</pubDate>
		<dc:creator>Avro</dc:creator>
				<category><![CDATA[My Practice]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=41507</guid>
                                    <description><![CDATA[One area in the field of finance that has been growing in acceptance is that of behavioural economics- sometimes referred to as behavioural finance.  In essence, it deals with the various intellectual and emotional errors that nearly everyone fact seems to make.  Concepts like overconfidence, negative loss aversion, mental accounting, hindsight bias and anchoring have gained considerable acceptance in the financial services industry.
]]></description>
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		<slash:comments>0</slash:comments>
                                            </item>
	            <item>
		<title>Research or marketing gimmick?</title>
		<link>http://www.advisor.ca/my-practice/research-or-marketing-gimmick-15138?rss=yes</link>
		<comments>http://www.advisor.ca/my-practice/research-or-marketing-gimmick-15138#comments</comments>
		<pubDate>Mon, 14 Feb 2011 20:53:37 +0000</pubDate>
		<dc:creator>Avro</dc:creator>
				<category><![CDATA[My Practice]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=15138</guid>
                                    <description><![CDATA[I hopped on to my computer recently and typed in the phrase “scientific method” into a familiar search engine just to see what came up.]]></description>
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		<slash:comments>0</slash:comments>
                                            </item>
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		<title>Give clients a real choice</title>
		<link>http://www.advisor.ca/my-practice/give-clients-a-real-choice-11665?rss=yes</link>
		<comments>http://www.advisor.ca/my-practice/give-clients-a-real-choice-11665#comments</comments>
		<pubDate>Tue, 04 Jan 2011 21:05:35 +0000</pubDate>
		<dc:creator>Avro</dc:creator>
				<category><![CDATA[My Practice]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=11665</guid>
                                    <description><![CDATA[Advisors generally do a good job in helping their clients make smart decisions with their money.  Most try to help clients obtain a meaningful understanding of capital markets.  Most try to make reasonably suitable recommendations. These advisors will diversify between equity and income, value and growth, small cap, large cap and a number of other ways, too.]]></description>
                		<wfw:commentRss>http://www.advisor.ca/my-practice/give-clients-a-real-choice-11665/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
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