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http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>https://retirementaction.com/2018/04/24/spending-and-risk-tolerance-in-retirement-how-much-can-i-spend-in-retirement/</loc><lastmod>2018-08-30T14:53:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2016/11/13/nortel-pensioners-annuity-vs-commuted-value-decision-current-thinking-in-personal-context/</loc><lastmod>2018-07-11T15:40:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2016/08/23/non-fiduciary-advice-is-an-oxymoron-comments-on-csa-consultation-33-404-enhancing-obligations-of-advisers-is-insufficient-advisers-must-become-fiduciaries/</loc><lastmod>2016-08-23T17:11:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2016/06/27/expanded-cpp-agreement-reached-in-principle/</loc><lastmod>2016-07-01T00:04:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2016/05/13/2016-cfa-annual-conference-montreal-an-overview/</loc><lastmod>2016-06-08T17:43:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2016/06/08/rebalancing-in-retirement/</loc><lastmod>2016-06-08T17:39:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2016/02/25/don-ezras-most-people-need-longevity-insurance-rather-than-an-immediate-annuity-a-review/</loc><lastmod>2016-02-25T18:32:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/12/16/will-that-be-annuity-or-lump-sum/</loc><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/12/ann-vs-l-s-3.jpg</image:loc><image:title>Ann vs L-S 3</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/12/ann-vs-l-s-2.jpg</image:loc><image:title>Ann vs L-S 2</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/12/ann-vs-l-s-1.jpg</image:loc><image:title>Ann vs L-S 1</image:title></image:image><lastmod>2015-12-16T15:19:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/07/27/when-switch-from-taxable-to-tax-free-tsfa-and-high-to-low-mer-funds-in-taxable-accounts-makes-sense/</loc><lastmod>2015-11-04T01:00:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/10/22/hot-off-the-web-october-22-2015-pensions-and-retirement-income-incl-nortels-canadian-pension-update/</loc><lastmod>2015-10-26T21:52:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/07/17/reflections-upon-nortels-canadian-pensioners-prospects-july-2015-view/</loc><lastmod>2015-10-09T19:23:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/05/27/asset-allocation-considerations-in-retirement/</loc><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/05/19.jpg</image:loc><image:title>#19</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/05/18.jpg</image:loc><image:title>#18</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/05/17.jpg</image:loc><image:title>#17</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/05/16.jpg</image:loc><image:title>#16</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/05/15.jpg</image:loc><image:title>#15</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/05/14.jpg</image:loc><image:title>#14</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/05/13.jpg</image:loc><image:title>#13</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/05/12.jpg</image:loc><image:title>#12</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/05/11.jpg</image:loc><image:title>#11</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/05/10.jpg</image:loc><image:title>#10</image:title></image:image><lastmod>2016-04-06T13:24:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/08/10/on-track-to-retirement-objectives-plans-and-feedback-to-align-savings-rate-retirement-age-and-expenses/</loc><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/08/accum-41.jpg</image:loc><image:title>Accum 4</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/08/accum-2-2.jpg</image:loc><image:title>Accum 2 (2)</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/08/accum-4.jpg</image:loc><image:title>Accum 4</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/08/accum-3.jpg</image:loc><image:title>Accum 3</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/08/accum-2.jpg</image:loc><image:title>Accum 2</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2015/08/accum-1.jpg</image:loc><image:title>Accum 1</image:title></image:image><lastmod>2015-09-03T14:45:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/08/31/hot-off-the-web-september-1-2015/</loc><lastmod>2015-09-01T12:09:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/07/27/input-to-government-of-canada-request-for-consultation-on-voluntary-cpp/</loc><lastmod>2015-08-10T17:31:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/06/23/smart-beta-perspectives-are-you-confused-as-well/</loc><lastmod>2015-06-24T14:40:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/06/01/voluntary-cpp-it-could-be-great-the-devil-is-in-the-details/</loc><lastmod>2015-08-10T21:31:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/04/01/auditor-ontario-fails-to-protect-pension-plan-members-and-nortel-pensioners-await-resolution-7th-year-post-bankruptcy/</loc><lastmod>2015-04-01T14:47:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2012/03/05/systemic-failure-in-canadas-private-pensions-who-could-have-prevented-it-what-could-be-done-now/</loc><lastmod>2015-03-27T16:26:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/03/13/hot-off-the-web-march-16-2015/</loc><lastmod>2015-03-22T12:13:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/03/06/hot-off-the-web-march-9-2015/</loc><lastmod>2015-03-06T09:41:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/02/26/hot-off-the-web-march-2-2015/</loc><lastmod>2015-02-27T00:30:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/02/20/hot-off-the-web-february-23-2015/</loc><lastmod>2015-02-20T11:43:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/02/12/hot-off-the-web-february-16-2015/</loc><lastmod>2015-02-13T01:31:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/02/06/hot-off-the-web-february-9-2015/</loc><lastmod>2015-02-06T09:58:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2012/02/29/individual-health-insurance-considerations-for-canadians/</loc><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2012/02/snipimage8.jpg</image:loc><image:title>SnipImage</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2012/02/snipimage7.jpg</image:loc><image:title>SnipImage</image:title></image:image><lastmod>2016-04-27T15:19:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/01/30/hot-off-the-web-february-2-2015/</loc><lastmod>2015-01-30T11:52:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/01/23/hot-off-the-web-january-26-2015/</loc><lastmod>2015-01-28T22:42:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/01/16/hot-off-the-web-january-19-2015/</loc><lastmod>2015-01-16T10:57:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/01/09/hot-off-the-web-january-12-2015/</loc><lastmod>2015-01-09T13:18:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2015/01/02/hot-off-the-web-january-5-2015/</loc><lastmod>2015-01-02T21:08:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/12/12/hot-off-the-web-december-15-2014/</loc><lastmod>2014-12-12T11:54:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/12/05/hot-off-the-web-december-8-2014/</loc><lastmod>2014-12-05T10:31:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/11/28/hot-off-the-web-december-1-2014/</loc><lastmod>2014-11-28T12:20:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/11/21/hot-off-the-web-november-24-2014/</loc><lastmod>2014-11-21T10:44:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/11/14/hot-off-the-web-november-17-2014/</loc><lastmod>2014-11-17T12:13:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/11/07/hot-off-the-web-november-10-2014/</loc><lastmod>2014-11-07T09:27:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/11/04/the-only-spending-rule-article-youll-ever-need-by-waring-and-siegel-a-review/</loc><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/11/snipimage-43.jpg</image:loc><image:title>SnipImage (43)</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/11/snipimage-37.jpg</image:loc><image:title>SnipImage (37)</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/11/snipimage.jpg</image:loc><image:title>SnipImage</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/11/f90-119-0-61-2-3.jpg</image:loc><image:title>F90-119, 0.6,1.2.3</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/11/f60-89-0-6123.jpg</image:loc><image:title>F60-89, 0.6,1,2,3</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/11/f90-119-0-6.jpg</image:loc><image:title>F90-119, 0.6</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/11/snipimage-35.jpg</image:loc><image:title>SnipImage (35)</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/11/snipimage-40.jpg</image:loc><image:title>SnipImage (40)</image:title></image:image><lastmod>2015-03-23T17:14:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/10/30/hot-off-the-web-november-3-2014/</loc><lastmod>2014-10-30T19:11:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/10/23/hot-off-the-web-october-27-2014/</loc><lastmod>2014-10-23T20:21:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/10/18/hot-off-the-web-october-20-2014/</loc><lastmod>2014-10-19T00:37:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/10/15/your-portfolio-is-broken-by-chris-turnbull-a-book-review/</loc><lastmod>2014-10-15T15:52:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/10/11/hot-off-the-web-october-13-2014/</loc><lastmod>2014-10-11T23:36:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/press-2/</loc><lastmod>2014-10-10T11:03:04+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://retirementaction.com/2014/10/03/hot-off-the-web-october-6-2014/</loc><lastmod>2014-10-03T10:24:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/09/22/annuitypension-vs-lump-sum-part-5-putting-it-all-together-2/</loc><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/09/scenario-5.jpg</image:loc><image:title>Scenario 5</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/09/scenario-4.jpg</image:loc><image:title>Scenario 4</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/09/scenario-3.jpg</image:loc><image:title>Scenario 3</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/09/scenario-2.jpg</image:loc><image:title>Scenario 2</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/09/scenario-1.jpg</image:loc><image:title>Scenario 1</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/09/box-3.jpg</image:loc><image:title>Box 3</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/09/85-year-old.jpg</image:loc><image:title>85 year old</image:title></image:image><lastmod>2017-06-02T19:36:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/08/25/annuitypension-vs-lump-sum-part-4-monte-carlo-simulation-to-explore-retirement-income-trade-offs-with-and-without-annuitization/</loc><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/snipimage9.jpg</image:loc><image:title>SnipImage</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/snipimage8.jpg</image:loc><image:title>SnipImage</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/snipimage7.jpg</image:loc><image:title>SnipImage</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/snipimage6.jpg</image:loc><image:title>SnipImage</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/snipimage5.jpg</image:loc><image:title>SnipImage</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/snipimage4.jpg</image:loc><image:title>SnipImage</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/snipimage3.jpg</image:loc><image:title>SnipImage</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/snipimage2.jpg</image:loc><image:title>SnipImage</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/snipimage1.jpg</image:loc><image:title>Example 1A</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/snipimage.jpg</image:loc><image:title>Example1</image:title></image:image><lastmod>2014-10-01T21:54:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/08/14/annuitypension-vs-lump-sum-part-3-quantitative-considerations/</loc><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/cme_vang.jpg</image:loc><image:title>CME_Vang</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/figure-82.jpg</image:loc><image:title>Figure 8</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/figure-7a1.jpg</image:loc><image:title>Figure 7a</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/figure-72.jpg</image:loc><image:title>Figure 7</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/figure-6.jpg</image:loc><image:title>Figure 6</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/08/figure-4.jpg</image:loc><image:title>Figure 4</image:title></image:image><lastmod>2014-10-01T21:54:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://retirementaction.com/2014/07/30/annuitypension-vs-lump-sum-part-1-making-the-right-decision-for-you/</loc><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/07/annuity20003.jpg</image:loc><image:title>Annuity2000</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/07/annuity20002.jpg</image:loc><image:title>Annuity2000</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/07/annuity20001.jpg</image:loc><image:title>Annuity2000</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/07/annuity2000.jpg</image:loc><image:title>Annuity2000</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/07/female.jpg</image:loc><image:title>Female</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/07/male.jpg</image:loc><image:title>Male</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/07/snipimage.jpg</image:loc><image:title>SnipImage</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/07/lifeexp-genpop1.jpg</image:loc><image:title>LifeExp GenPop</image:title></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2014/07/lifeexp-genpop.jpg</image:loc><image:title>LifeExp 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Annuity-2 (vs. 100%)</image:title><image:caption>Scenario 2</image:caption></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2013/10/insured-annuity-2-vs-100.jpg</image:loc><image:title>Insured Annuity-2 (vs. 100%)</image:title><image:caption>Scenario 2</image:caption></image:image><image:image><image:loc>https://retirementaction.com/wp-content/uploads/2013/10/insured-annuity-1-vs-50.jpg</image:loc><image:title>Insured Annuity-1 (vs. 50%)</image:title><image:caption>Scenario 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