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	<title>ZLC Financial Outlook &#187; Retirement Planning</title>
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	<link>http://www.zlc.net/blog</link>
	<description>From ZLC Financial Group</description>
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		<title>Contingency Plan</title>
		<link>http://www.zlc.net/blog/2010/02/22/contingency-plan/</link>
		<comments>http://www.zlc.net/blog/2010/02/22/contingency-plan/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 13:03:49 +0000</pubDate>
		<dc:creator>ZLC Financial Group</dc:creator>
				<category><![CDATA[Critical Illness Insurance]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Variable Annuities]]></category>
		<category><![CDATA[contingency plan]]></category>
		<category><![CDATA[retirement investments]]></category>

		<guid isPermaLink="false">http://www.zlc.net/blog/?p=231</guid>
		<description><![CDATA[Once in a while, life knocks us for a loop.
Sometimes it presents itself as the abrupt end to a 15-year marriage. Or maybe it’s a child who refuses to communicate with his parents. It can even be a poor business decision that results in bankruptcy.
Sadly, countless people endure these and other life-changing experiences. While each [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>TAX FREE SAVINGS PLANS: $5,000 MORE CONTRIBUTION ROOM FOR 2010</title>
		<link>http://www.zlc.net/blog/2010/02/18/tax-free-savings-plans-5000-more-contribution-room-for-2010/</link>
		<comments>http://www.zlc.net/blog/2010/02/18/tax-free-savings-plans-5000-more-contribution-room-for-2010/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 13:59:29 +0000</pubDate>
		<dc:creator>ZLC Financial Group</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[tax free savings account]]></category>
		<category><![CDATA[tfsa]]></category>

		<guid isPermaLink="false">http://www.zlc.net/blog/?p=225</guid>
		<description><![CDATA[Effective January 1, 2010, you now have another $5000 contribution room for your TFSA.  This is in addition to any unused contribution room you may have left from the $5000 entitlement for 2009.
Also, if you withdrew money last year, you can now replace it without affecting this year’s limit.
As with RSPs, personal investments can be [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>2009 RRSP DEADLINE:  March 1 2010</title>
		<link>http://www.zlc.net/blog/2010/02/17/2009-rrsp-deadline-march-1-2010/</link>
		<comments>http://www.zlc.net/blog/2010/02/17/2009-rrsp-deadline-march-1-2010/#comments</comments>
		<pubDate>Wed, 17 Feb 2010 13:56:47 +0000</pubDate>
		<dc:creator>ZLC Financial Group</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[Mutual Funds]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[retirement savings plan]]></category>
		<category><![CDATA[rrsp]]></category>
		<category><![CDATA[rsp]]></category>

		<guid isPermaLink="false">http://www.zlc.net/blog/?p=222</guid>
		<description><![CDATA[The last day for topping up your 2009 RSP contribution is coming up fast.   Amazingly, many of us do not contribute our maximum, even though it still remains one of best ways to both save for retirement and reduce taxes.
If you don’t have the cash:

Ask us about RSP loans.  They are quick and easy, and [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The New Retirement Realities and How they Affect You</title>
		<link>http://www.zlc.net/blog/2010/02/16/the-new-retirement-realities-and-how-they-affect-you/</link>
		<comments>http://www.zlc.net/blog/2010/02/16/the-new-retirement-realities-and-how-they-affect-you/#comments</comments>
		<pubDate>Tue, 16 Feb 2010 17:56:29 +0000</pubDate>
		<dc:creator>ZLC Financial Group</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[risks]]></category>

		<guid isPermaLink="false">http://www.zlc.net/blog/?p=218</guid>
		<description><![CDATA[ZLC clients and friends enjoyed our recent workshop where our guest speaker, Doug Towill, presented several interesting and provocative thoughts on what we can expect in retirement.  Doug shared ideas on how we can best prepare ourselves to maximize our opportunities, and enjoyment, of this important, and hopefully long stage of our lives.
Highlights from the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>STAND UP AND PROTECT YOUR MONEY</title>
		<link>http://www.zlc.net/blog/2009/07/17/stand-up-and-protect-your-money/</link>
		<comments>http://www.zlc.net/blog/2009/07/17/stand-up-and-protect-your-money/#comments</comments>
		<pubDate>Fri, 17 Jul 2009 15:13:21 +0000</pubDate>
		<dc:creator>ZLC Financial Group</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[The Markets]]></category>

		<guid isPermaLink="false">http://www.zlc.net/blog/?p=77</guid>
		<description><![CDATA[Mark Zlotnik wrote an article about strategies to guarantee your income for life. The article was recently published in the Business in Vancouver newspaper. Here is the text from that article:
A person stands tallest when they have financial stability. Having money set aside, a plan for the future and income to make dreams come true, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>REGISTERED RETIREMENT INCOME FUND (RRIF) WITHHOLDING TAX</title>
		<link>http://www.zlc.net/blog/2009/06/08/registered-retirement-income-fund-rrif-withholding-tax/</link>
		<comments>http://www.zlc.net/blog/2009/06/08/registered-retirement-income-fund-rrif-withholding-tax/#comments</comments>
		<pubDate>Mon, 08 Jun 2009 20:40:56 +0000</pubDate>
		<dc:creator>ZLC Financial Group</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>

		<guid isPermaLink="false">http://www.zlc.net/blog/?p=24</guid>
		<description><![CDATA[Ever wonder why the income you receive from your RRIF can change, even when the amount you withdraw each year remains the same? 
While there is no minimum age for a RRIF, you must convert your Registered Retirement Savings Plan (RRSP) to a RRIF by the end of the year in which you reach age [...]]]></description>
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