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	<title>financialplanning &#8211; The Journal | Johnston Group</title>
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	<description>Advice and information to help you support your business, your people and you.</description>
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	<item>
		<title>The COVID Cash Flow Crisis: Five Tips to Handle the Drought</title>
		<link>https://johnstongroup.ca/the-advisor-journal/wellness/the-covid-cash-flow-crisis-five-tips-to-handle-the-drought/</link>
					<comments>https://johnstongroup.ca/the-advisor-journal/wellness/the-covid-cash-flow-crisis-five-tips-to-handle-the-drought/#respond</comments>
		
		<dc:creator><![CDATA[Gayle Martin]]></dc:creator>
		<pubDate>Fri, 15 May 2020 10:55:51 +0000</pubDate>
				<category><![CDATA[Wellness]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[financialhealth]]></category>
		<category><![CDATA[financialplanning]]></category>
		<category><![CDATA[spending]]></category>
		<guid isPermaLink="false">https://johnstongroup.ca/the-advisor-journal/?p=8949</guid>

					<description><![CDATA[<img width="1024" height="1024" src="https://i2.wp.com/;https://i.pinimg.com/474x/93/fa/68/93fa680c44bd1d18c0cfffedac5291f1--wallets.jpg?w=1024&amp;resize=1024,1024&amp;ssl=1" class="attachment-large size-large wp-post-image" alt="The COVID Cash Flow Crisis: Five Tips to Handle the Drought" title="The COVID Cash Flow Crisis: Five Tips to Handle the Drought" decoding="async" fetchpriority="high" />It will take time to recover from the loss of income at both a business and personal level post COVID-19.  This article highlights five ways to ease the pain.]]></description>
		
					<wfw:commentRss>https://johnstongroup.ca/the-advisor-journal/wellness/the-covid-cash-flow-crisis-five-tips-to-handle-the-drought/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
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            	</item>
		<item>
		<title>Planning for Retirement – RRSPs and TFSAs</title>
		<link>https://johnstongroup.ca/the-advisor-journal/wellness/planning-for-retirement-rrsps-and-tfsas/</link>
		
		<dc:creator><![CDATA[Johnston Group]]></dc:creator>
		<pubDate>Wed, 23 Jan 2019 21:53:53 +0000</pubDate>
				<category><![CDATA[Wellness]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[financialhealth]]></category>
		<category><![CDATA[financialplanning]]></category>
		<category><![CDATA[financialwelleness]]></category>
		<category><![CDATA[wellbeing]]></category>
		<category><![CDATA[wellness]]></category>
		<guid isPermaLink="false">https://johnstongroup.ca/the-advisor-journal/?p=6661</guid>

					<description><![CDATA[<img width="1024" height="1024" src="https://i2.wp.com/;https://johnstongroup.ca/the-advisor-journal/wp-content/uploads/2019/09/iStock-644358770-taxes-e1569272199912.jpg?w=1024&amp;resize=1024,1024&amp;ssl=1" class="attachment-large size-large wp-post-image" alt="Planning for Retirement – RRSPs and TFSAs" title="Planning for Retirement – RRSPs and TFSAs" decoding="async" />There is no template for planning for your retirement income. So many conditions affect your personal situation – how much you save, what assets you accumulate, what inheritances you receive, how much of a pension you have in place, whether you own a house.]]></description>
		
		
		
		<media:content url="https://i2.wp.com/johnstongroup.ca/the-advisor-journal/wp-content/uploads/2019/09/iStock-644358770-taxes-e1569272199912.jpg?ssl=1" medium="image"></media:content>
            	</item>
		<item>
		<title>100 Great Ways to Save Money &#8211; The Simple Dollar</title>
		<link>https://johnstongroup.ca/the-advisor-journal/wellness/100-great-ways-to-save-money-the-simple-dollar/</link>
					<comments>https://johnstongroup.ca/the-advisor-journal/wellness/100-great-ways-to-save-money-the-simple-dollar/#respond</comments>
		
		<dc:creator><![CDATA[Gayle Martin]]></dc:creator>
		<pubDate>Mon, 14 Jan 2019 06:00:00 +0000</pubDate>
				<category><![CDATA[Wellness]]></category>
		<category><![CDATA[financialhealth]]></category>
		<category><![CDATA[financialplanning]]></category>
		<category><![CDATA[saving_for_your_future]]></category>
		<guid isPermaLink="false">https://johnstongroup.ca/the-advisor-journal/business/100-great-ways-to-save-money-the-simple-dollar/</guid>

					<description><![CDATA[<img width="1024" height="1024" src="https://i1.wp.com/;https://johnstongroup.ca/the-advisor-journal/wp-content/uploads/2019/09/piggy-bank.jpg?w=1024&amp;resize=1024,1024&amp;ssl=1" class="attachment-large size-large wp-post-image" alt="100 Great Ways to Save Money &#8211; The Simple Dollar" title="100 Great Ways to Save Money &#8211; The Simple Dollar" decoding="async" />Many people are horrified once their post holiday credit card statements start arriving. Those expensive gifts, impulsive purchases and perhaps a bit too much dining out will catch up with us at some point. It's never too late to turn your finances around and this offers 100 tips that may help speed up the recovery process.]]></description>
		
					<wfw:commentRss>https://johnstongroup.ca/the-advisor-journal/wellness/100-great-ways-to-save-money-the-simple-dollar/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
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		<item>
		<title>2019 marks beginning of CPP enhancements to be rolled out over seven years</title>
		<link>https://johnstongroup.ca/the-advisor-journal/business/2019-marks-beginning-of-cpp-enhancements-to-be-rolled-out-over-seven-years/</link>
					<comments>https://johnstongroup.ca/the-advisor-journal/business/2019-marks-beginning-of-cpp-enhancements-to-be-rolled-out-over-seven-years/#respond</comments>
		
		<dc:creator><![CDATA[Johnston Group]]></dc:creator>
		<pubDate>Tue, 11 Dec 2018 06:00:00 +0000</pubDate>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[cpp]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[financialplanning]]></category>
		<category><![CDATA[pension]]></category>
		<category><![CDATA[retirement]]></category>
		<guid isPermaLink="false">https://johnstongroup.ca/the-advisor-journal/business/2019-marks-beginning-of-cpp-enhancements-to-be-rolled-out-over-seven-years/</guid>

					<description><![CDATA[<img width="1024" height="1024" src="https://i3.wp.com/;https://financialpostcom.files.wordpress.com/2018/12/cpt113-the-canadian-press.jpg?fit=440%2C330&amp;w=1024&amp;resize=1024,1024&amp;ssl=1" class="attachment-large size-large wp-post-image" alt="2019 marks beginning of CPP enhancements to be rolled out over seven years" title="2019 marks beginning of CPP enhancements to be rolled out over seven years" decoding="async" />Beginning in early 2019, the Canada Pension Plan and Quebec Pension Plan will phase in enhanced benefits over the next seven years. How does this affect your generation?]]></description>
		
					<wfw:commentRss>https://johnstongroup.ca/the-advisor-journal/business/2019-marks-beginning-of-cpp-enhancements-to-be-rolled-out-over-seven-years/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
		<media:content url="https://i1.wp.com/financialpostcom.files.wordpress.com/2018/12/cpt113-the-canadian-press.jpg?fit=440%2C330&#038;ssl=1" medium="image"></media:content>
            	</item>
		<item>
		<title>How much you need to save for retirement &#124; Planning for retirement &#124; GetSmarterAboutMoney.ca</title>
		<link>https://johnstongroup.ca/the-advisor-journal/hr/how-much-you-need-to-save-for-retirement-planning-for-retirement-getsmarteraboutmoney-ca/</link>
					<comments>https://johnstongroup.ca/the-advisor-journal/hr/how-much-you-need-to-save-for-retirement-planning-for-retirement-getsmarteraboutmoney-ca/#respond</comments>
		
		<dc:creator><![CDATA[Gayle Martin]]></dc:creator>
		<pubDate>Wed, 24 Oct 2018 05:00:00 +0000</pubDate>
				<category><![CDATA[HR]]></category>
		<category><![CDATA[financialplanning]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[saving_for_your_future]]></category>
		<guid isPermaLink="false">https://johnstongroup.ca/the-advisor-journal/business/how-much-you-need-to-save-for-retirement-planning-for-retirement-getsmarteraboutmoney-ca/</guid>

					<description><![CDATA[<img width="1024" height="1024" src="https://i0.wp.com/;https://www.getsmarteraboutmoney.ca/wp-content/uploads/2017/05/PlanningForRetirement_Hero-646x646.jpg?w=1024&amp;resize=1024,1024&amp;ssl=1" class="attachment-large size-large wp-post-image" alt="How much you need to save for retirement | Planning for retirement | GetSmarterAboutMoney.ca" title="How much you need to save for retirement | Planning for retirement | GetSmarterAboutMoney.ca" decoding="async" />In the rush of our daily grind, planning for our financial future often falls in last place. If you are in your 40s or 50s (or even 20s and 30s), there is something very satisfying about taking care of your retirement plans now. Procrastination will only serve to delay in accomplishing your goals and allowing you to simply look forward to a bright and secure future. Plan soon and plan wisely - you deserve a happy life that rewards all your hard work.]]></description>
		
					<wfw:commentRss>https://johnstongroup.ca/the-advisor-journal/hr/how-much-you-need-to-save-for-retirement-planning-for-retirement-getsmarteraboutmoney-ca/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
		<media:content url="https://i1.wp.com/www.getsmarteraboutmoney.ca/wp-content/uploads/2017/05/PlanningForRetirement_Hero-646x646.jpg?ssl=1" medium="image"></media:content>
            	</item>
		<item>
		<title>How to Do the Right Thing with a Bonus (or Any Extra $$$)</title>
		<link>https://johnstongroup.ca/the-advisor-journal/wellness/how-to-do-the-right-thing-with-a-bonus-or-any-extra/</link>
					<comments>https://johnstongroup.ca/the-advisor-journal/wellness/how-to-do-the-right-thing-with-a-bonus-or-any-extra/#respond</comments>
		
		<dc:creator><![CDATA[Johnston Group]]></dc:creator>
		<pubDate>Fri, 01 Jun 2018 05:00:00 +0000</pubDate>
				<category><![CDATA[Wellness]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[financialhealth]]></category>
		<category><![CDATA[financialplanning]]></category>
		<category><![CDATA[financialwelleness]]></category>
		<category><![CDATA[wellbeing]]></category>
		<category><![CDATA[wellness]]></category>
		<guid isPermaLink="false">https://johnstongroup.ca/the-advisor-journal/business/how-to-do-the-right-thing-with-a-bonus-or-any-extra/</guid>

					<description><![CDATA[<img width="1024" height="1024" src="https://i1.wp.com/;https://wealthsimple-grow.ghost.io/content/images/2018/02/Bonus.jpg?w=1024&amp;resize=1024,1024&amp;ssl=1" class="attachment-large size-large wp-post-image" alt="How to Do the Right Thing with a Bonus (or Any Extra $$$)" title="How to Do the Right Thing with a Bonus (or Any Extra $$$)" decoding="async" />Does your company give out a bonus? Employees who come into a windfall can benefit from taking a look at Wealth Simple's guide to extra money, which offers simple tips on how to make the most of the extra cash.]]></description>
		
					<wfw:commentRss>https://johnstongroup.ca/the-advisor-journal/wellness/how-to-do-the-right-thing-with-a-bonus-or-any-extra/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
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		<item>
		<title>60% of Canadians saving for retirement, just not wisely</title>
		<link>https://johnstongroup.ca/the-advisor-journal/wellness/60-of-canadians-saving-for-retirement-just-not-wisely/</link>
					<comments>https://johnstongroup.ca/the-advisor-journal/wellness/60-of-canadians-saving-for-retirement-just-not-wisely/#respond</comments>
		
		<dc:creator><![CDATA[Gayle Martin]]></dc:creator>
		<pubDate>Thu, 22 Feb 2018 06:00:00 +0000</pubDate>
				<category><![CDATA[Wellness]]></category>
		<category><![CDATA[financialhealth]]></category>
		<category><![CDATA[financialplanning]]></category>
		<category><![CDATA[retirement]]></category>
		<guid isPermaLink="false">https://johnstongroup.ca/the-advisor-journal/business/60-of-canadians-saving-for-retirement-just-not-wisely/</guid>

					<description><![CDATA[<img width="1024" height="1024" src="https://i3.wp.com/;http://www.moneysense.ca/wp-content/uploads/2015/10/saving.jpg?w=1024&amp;resize=1024,1024&amp;ssl=1" class="attachment-large size-large wp-post-image" alt="60% of Canadians saving for retirement, just not wisely" title="60% of Canadians saving for retirement, just not wisely" decoding="async" />Most Canadians are far from ready for retirement. We want to save and invest but many of us are approaching it in the wrong way.]]></description>
		
					<wfw:commentRss>https://johnstongroup.ca/the-advisor-journal/wellness/60-of-canadians-saving-for-retirement-just-not-wisely/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
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