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	<title>ZLC Financial Group &#187; Blog</title>
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		<title>Should I put money in a TFSA or RRSP?</title>
		<description><![CDATA[TFSAs are a great way to save $5000 every year (cumulatively $20,000 as of 2012) on a completely tax free basis. While deposits to a TFSA are not tax deductible, all income, capital gains and dividends are completely tax free. &#8230; <a href="http://www.zlc.net/2012/02/01/should-i-put-money-in-a-tfsa-or-rrsp/">Read More <span class="meta-nav">&#187;</span></a>]]></description>
		<link>http://www.zlc.net/2012/02/01/should-i-put-money-in-a-tfsa-or-rrsp/</link>
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		<title>Time for a Sure Thing?</title>
		<description><![CDATA[The past few years have not been very kind to investors, especially to those recently or soon to be retired.  Just as investors dragged themselves out of the rubble of 2008, along came 2011.  For those nearing retirement, there just &#8230; <a href="http://www.zlc.net/2012/01/19/time-for-a-sure-thing/">Read More <span class="meta-nav">&#187;</span></a>]]></description>
		<link>http://www.zlc.net/2012/01/19/time-for-a-sure-thing/</link>
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		<title>How Much Insurance Does A Business Need</title>
		<description><![CDATA[It is common business practice for a company to use corporate owned life insurance in several situations. This article will identify those situations and discuss appropriate amounts of coverage for each of them. SHAREHOLDERS’ AGREEMENTS – It is customary for &#8230; <a href="http://www.zlc.net/2012/01/04/951/">Read More <span class="meta-nav">&#187;</span></a>]]></description>
		<link>http://www.zlc.net/2012/01/04/951/</link>
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		<title>Does it make sense to buy life insurance on a young child?</title>
		<description><![CDATA[The short answer is yes! There are several important advantages to buying life insurance for your young child or grandchild. Life insurance premiums are based on the age and health of the applicant. In a typical situation, a married couple &#8230; <a href="http://www.zlc.net/2011/11/22/does-it-make-sense-to-buy-life-insurance-on-a-young-child/">Read More <span class="meta-nav">&#187;</span></a>]]></description>
		<link>http://www.zlc.net/2011/11/22/does-it-make-sense-to-buy-life-insurance-on-a-young-child/</link>
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		<title>&#8220;I have a small business. What&#8217;s the most affordable way that I can provide group benefits to my employees?&#8221;</title>
		<description><![CDATA[Benefits have become an integral part of any employees&#8217; compensation package. It is more important than ever for employers to provide a benefit plan that is suited to their employees&#8217; needs, all the while still being cost-effective. The most affordable &#8230; <a href="http://www.zlc.net/2011/10/25/i-have-a-small-business-whats-the-most-affordable-way-that-i-can-provide-group-benefits-to-my-employees-2/">Read More <span class="meta-nav">&#187;</span></a>]]></description>
		<link>http://www.zlc.net/2011/10/25/i-have-a-small-business-whats-the-most-affordable-way-that-i-can-provide-group-benefits-to-my-employees-2/</link>
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		<title>Are You On The Right Track?</title>
		<description><![CDATA[In the last bull market many investors started to develop unhealthy expectations as to the long term yields their investments would provide. Many had come to accept returns as high as 15% to 20% per annum as the base return &#8230; <a href="http://www.zlc.net/2011/10/17/are-you-on-the-right-track/">Read More <span class="meta-nav">&#187;</span></a>]]></description>
		<link>http://www.zlc.net/2011/10/17/are-you-on-the-right-track/</link>
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		<title>Do you have a Retirement Income Strategy?</title>
		<description><![CDATA[Canadians are faced with new realities that pose significant challenges to traditional retirement planning. Many Canadians are retiring earlier and living longer than ever. Currently, the average retirement age in Canada is age 62.  With many living into their 90s, &#8230; <a href="http://www.zlc.net/2011/10/11/do-you-have-a-retirement-income-strategy/">Read More <span class="meta-nav">&#187;</span></a>]]></description>
		<link>http://www.zlc.net/2011/10/11/do-you-have-a-retirement-income-strategy/</link>
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		<title>ZLC Financial Group Presents&#8230;</title>
		<description><![CDATA[UPDATE FOR PROFESSIONALS BREAKFAST SERIES “Planning for US Estate Tax and CDA Planning” The US estate tax provisions changed in 2010. Benita Loughlin, KPMG LLP,  will provide an update of cross-border estate planning issues and opportunities for Canadians with US &#8230; <a href="http://www.zlc.net/2011/09/16/zlc-financial-group-presents/">Read More <span class="meta-nav">&#187;</span></a>]]></description>
		<link>http://www.zlc.net/2011/09/16/zlc-financial-group-presents/</link>
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		<title>&#8220;I am in the process of getting a divorce. As a Certified Divorce Financial Analyst (CDFA), how can you help me?&#8221;</title>
		<description><![CDATA[Anyone who has gone through a divorce or separation knows what a stressful process it is. Emotions like fear, anger and guilt often cloud judgement. Misinformation and misconceptions are detrimental to making good choices, and many have false expectations that &#8230; <a href="http://www.zlc.net/2011/09/14/i-am-in-the-process-of-getting-a-divorce-as-a-certified-divorce-financial-analyst-cdfa-how-can-you-help-me/">Read More <span class="meta-nav">&#187;</span></a>]]></description>
		<link>http://www.zlc.net/2011/09/14/i-am-in-the-process-of-getting-a-divorce-as-a-certified-divorce-financial-analyst-cdfa-how-can-you-help-me/</link>
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		<title>4 Questions to Ask Before You Transfer Property to Children</title>
		<description><![CDATA[Transferring property to your children or buying property in their names – either in their name alone or jointly with yourself – can be a complicated endeavor. Parents typically consider transferring property to their children to: • avoid probate fees &#8230; <a href="http://www.zlc.net/2011/08/03/4-questions-to-ask-before-you-transfer-property-to-children/">Read More <span class="meta-nav">&#187;</span></a>]]></description>
		<link>http://www.zlc.net/2011/08/03/4-questions-to-ask-before-you-transfer-property-to-children/</link>
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