<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[THE  PensionAdvisor ]]></title><description><![CDATA[Mysite]]></description><link>https://www.sitemycan.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Tue, 28 Apr 2026 20:41:05 GMT</lastBuildDate><atom:link href="https://www.sitemycan.com/hi/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Tax minimization strategies?  ----  it depends .....]]></title><description><![CDATA[Tax minimization is not a simple or straightforward exercise: it depends on many diverse factors. While the government offers diverse...]]></description><link>https://www.sitemycan.com/post/tax-minimization-strategies-it-depends</link><guid isPermaLink="false">62a4b9aaffbd47e045ab3667</guid><pubDate>Sat, 11 Jun 2022 16:11:42 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[A Financial plan is critical - whether you know it or not! ]]></title><description><![CDATA[An advisor needs a financial plan - KYC is a requirement Having a financial plan (retirement plan) has many uses and benefits which most...]]></description><link>https://www.sitemycan.com/post/a-financial-plan-is-critical-whether-you-know-it-or-not</link><guid isPermaLink="false">623ca96f065e96d049a24d07</guid><pubDate>Thu, 24 Mar 2022 17:25:28 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[Is technical analysis a 'voodoo' approach to investing?]]></title><description><![CDATA[‘Is technical analysis’-  a ‘voodoo’ approach to investing? The use of technical analysis for stocks has been around for a very long...]]></description><link>https://www.sitemycan.com/post/is-technical-analysis-a-voodoo-approach-to-investing</link><guid isPermaLink="false">623a3a2316ff4ebbd622e1a7</guid><pubDate>Tue, 22 Mar 2022 21:07:13 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[TFSAs? Part of a CAP pension program - yeah or nay? ]]></title><description><![CDATA[Employers may offer a TFSA in a CAP without think through the unintended consequences ​ Tax Free Savings accounts were introduced in...]]></description><link>https://www.sitemycan.com/post/tfsa-be-part-of-an-employers-pension-program-yeah-or-nay</link><guid isPermaLink="false">621f97d0903a9316989b14d9</guid><pubDate>Wed, 02 Mar 2022 16:14:52 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[Should a TFSA be part of a CAP? ]]></title><description><![CDATA[Tax Free Savings accounts were introduced in Canada in 2009 and are available to Canadian residents who are at least 18 years old. TFSA...]]></description><link>https://www.sitemycan.com/post/should-a-tfsa-be-part-of-a-cap</link><guid isPermaLink="false">6213f518e77b2e73cfd45af5</guid><pubDate>Mon, 21 Feb 2022 20:26:18 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[Trouble on the horizon for US DC and 401k pension plan sponsors?]]></title><description><![CDATA[Employers, as sponsors of employee DC, 401k, and other types of pension programs,  have fiduciary roles and responsibilities to the plan...]]></description><link>https://www.sitemycan.com/post/12-trouble-on-the-horizon-for-us-dc-and-401k-pension-plan-sponsors</link><guid isPermaLink="false">620c252868f1608673ff0c8e</guid><pubDate>Tue, 15 Feb 2022 22:12:38 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[Beneficiary Designations - avoid future problems]]></title><description><![CDATA[Beneficiary Designations - should be reviewed occasionally to avoid future problems Beneficiary designations are not something that most...]]></description><link>https://www.sitemycan.com/post/beneficiary-designations-avoid-future-problems</link><guid isPermaLink="false">62095e5b61548b445e46110c</guid><pubDate>Sun, 13 Feb 2022 19:41:55 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[Target Date Funds -a potential legal mine field for sponsors ?]]></title><description><![CDATA[Target Date Funds are common in CAPs and often used as the default fund. Many Canadians depend on defined contribution (DC)  and or other...]]></description><link>https://www.sitemycan.com/post/target-date-funds-a-potential-legal-mine-field-for-sponsors</link><guid isPermaLink="false">6206c27cfd2d671e20299b8b</guid><pubDate>Fri, 11 Feb 2022 20:15:08 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[When to move an RRSP to a RRIF ]]></title><description><![CDATA[At age 60 you can transfer an RRSP to A RRIF - why do this? Background A RRIF is another form of a Registered Retirement Savings Plan...]]></description><link>https://www.sitemycan.com/post/when-to-move-an-rrsp-to-a-rrif</link><guid isPermaLink="false">61fc81248fcd486a44148088</guid><pubDate>Fri, 04 Feb 2022 01:29:42 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[Target Date funds are not a 'be-all'  'end-all' as proclaimed ]]></title><description><![CDATA[TDFs may not be appropriate for many people in the ‘Decumulation phase’ Decumulation Phase The decumulation phase starts when money is...]]></description><link>https://www.sitemycan.com/post/target-date-funds-are-not-a-be-all-end-all-as-proclaimed</link><guid isPermaLink="false">61f6e7b2c5d64e83f7377cf9</guid><pubDate>Sun, 30 Jan 2022 19:40:05 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[Preferred Shares - what you need to know ]]></title><description><![CDATA[Understanding Preferred Stock Preferred shares are equity like securities issued by corporations that pay dividends that qualify for...]]></description><link>https://www.sitemycan.com/post/preferred-shares-what-you-need-to-know</link><guid isPermaLink="false">5f1b4a4352560f0018768ac3</guid><pubDate>Fri, 24 Jul 2020 20:54:06 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[KISS: When less is more for DC and RRSPs]]></title><description><![CDATA[DC and RRSPs investment choices need to straight forward an as effective as possible In the 1970’s and early 1980’s, defined benefit (DB)...]]></description><link>https://www.sitemycan.com/post/kiss-when-less-is-more-for-dc-and-rrsps</link><guid isPermaLink="false">5ec44552a0557d00179000c4</guid><pubDate>Tue, 19 May 2020 20:50:50 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[CPP is simply too low - is increasing it realistic?  ]]></title><description><![CDATA[Higher CPP appeals to most people but who would pay for it? . Many argue that the Canadian Pension Plan (CPP) benefit to be enhanced by...]]></description><link>https://www.sitemycan.com/post/cpp-is-simply-too-low-is-increasing-it-realistic</link><guid isPermaLink="false">5eb08955db83d60017eb2bd7</guid><pubDate>Mon, 04 May 2020 21:45:16 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[Don't overlook deductible medical expenses ]]></title><description><![CDATA[In Canada there are a large number of medical expenses that are deductible from income. Over a 12 month period small expenditures can add...]]></description><link>https://www.sitemycan.com/post/don-t-overlook-deductible-medical-expenses</link><guid isPermaLink="false">5eae115164dc5200b19d1445</guid><pubDate>Sun, 03 May 2020 00:40:39 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[Fees you pay in a CAP aren't disclosed ]]></title><description><![CDATA[Do investors have the right to know how much they pay in fees? Apparently not! For many years mutual fund investors and Capital...]]></description><link>https://www.sitemycan.com/post/fees-you-pay-in-a-cap-aren-t-disclosed</link><guid isPermaLink="false">5ea9c4d77bec14001769c6c3</guid><pubDate>Wed, 29 Apr 2020 18:53:50 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[Investment fee rates are an employer's responsibility ]]></title><description><![CDATA[A sponsor’s role in overseeing fees is the area most susceptible to litigation. Sponsors need to understand their role and...]]></description><link>https://www.sitemycan.com/post/the-fee-rate-you-pay-is-a-sponsor-s-responsibility</link><guid isPermaLink="false">5ea89b65ae0267001718b924</guid><pubDate>Tue, 28 Apr 2020 21:33:35 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[Decumulation in CAPs – Ready (like it) or Not!                                                    ]]></title><description><![CDATA[Decumulation poses many challenges and risks for Capital Accumulation Plan (CAPs) sponsors and members. Fuelled by the increasing number...]]></description><link>https://www.sitemycan.com/post/decumulation-ready-like-it-or-not</link><guid isPermaLink="false">5ea72643e1efaa009bed4ba6</guid><pubDate>Mon, 27 Apr 2020 19:36:12 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[Now is the right to fix CAPs ]]></title><description><![CDATA[Changes are needed to allow CAPs to be effective retirement vehicles. Employers, looking to minimize their pension costs and cash flow...]]></description><link>https://www.sitemycan.com/post/now-is-the-right-to-fix-caps</link><guid isPermaLink="false">5e9a7f84cdb6760017e6d61d</guid><pubDate>Sat, 18 Apr 2020 04:23:28 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[Governance is the key to minimizing risk in CAPS  ]]></title><description><![CDATA[CAPs have turned out to be more complex and challenging for sponsors and CAP members than expected. Keeping it simple is an effective and...]]></description><link>https://www.sitemycan.com/post/governance-is-the-key-to-minimizing-risk-in-caps</link><guid isPermaLink="false">5e9a517f74755c0017946439</guid><pubDate>Sat, 18 Apr 2020 01:08:19 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item><item><title><![CDATA[A CAP sponsor can minimize legal risk ]]></title><description><![CDATA[No risk, no reward! Like many things in life investing inertia and fear are common but have a cost. A sponsor should be aware of what...]]></description><link>https://www.sitemycan.com/post/a-cap-sponsor-can-minimize-legal-risk</link><guid isPermaLink="false">5e9a4df796ceb20017423c67</guid><pubDate>Sat, 18 Apr 2020 01:00:45 GMT</pubDate><dc:creator>Gerry Wahl </dc:creator></item></channel></rss>