

<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml"><head>
<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1">

	
<title>Caring for Clients | July 2009</title>


	<link href="http://www.google.com/uds/css/gsearch.css" type="text/css" rel="stylesheet"/>


<link href="/site/ywd_prototype/library/css/main.css" rel="stylesheet" type="text/css">


<link href="/site/ywd_prototype/display/templates/t5/library/main.css" rel="stylesheet" type="text/css">
<link href="/site/ywd_prototype/display/templates/t5/library/skins/10/background/1.css" rel="stylesheet" type="text/css">
<link href="/site/ywd_prototype/display/templates/t5/library/skins/10/skin.css" rel="stylesheet" type="text/css">
<link href="/site/ywd_prototype/library/css/theme/1.css" rel="stylesheet" type="text/css">
<link href="/site/ywd_prototype/library/css/alignment/2.css" rel="stylesheet" type="text/css">

<link href="/site/ywd_prototype/library/css/type/33.css" rel="stylesheet" type="text/css">


	<link href="/site/ywd_prototype/library/css/overridetext/1.css" rel="stylesheet" type="text/css">


<link href="/site/ywd_prototype/library/css/overrideborder/1.css" rel="stylesheet" type="text/css">
<link href="/site/ywd_prototype/library/css/overridespacing/1.css" rel="stylesheet" type="text/css">
<link href="/site/ywd_prototype/library/css/level1nav/1.css" rel="stylesheet" type="text/css">
<link href="/site/ywd_prototype/library/css/link/1.css" rel="stylesheet" type="text/css">


	<link href="/site/ywd_prototype/display/templates/t5/library/skins/10/background/1.css" rel="stylesheet" type="text/css">


<style type="text/css">


	body {
		background-color:#E1EDCF;
		
		
					background-image:none;
				
			
	}


	#shadowbottomrow {
		display:none;
	}


#wrapper {
	width:964px;
}


#wrapperfooter .footer {
	width:964px;
	position:relative;
	text-align: left;
	margin-left: auto;
	margin-right: auto;
}


	.layoutleft {
		border:8px solid #9CC15F;
	}
	.banner {
		border-style:none;
	}


	#wrapper {
		
		width:964px;
	}
	.layoutleft {
		border-width:8px;
	}


	.contenttable, .contenttablesub {
		height:350px;
	}


.footer {
	padding-left:5px;
}

	
.footer {
	padding-right:5px;
}

	
.footer {
	padding-top:5px;
}

	
.footer {
	padding-bottom:5px;
}


		.banner, .bannertext {
			background-color:#FFFFFF;
			background-image:none;
		}
	

	body, td, p, /*input, select,*/ h1, h2, h3, h4, h5, h6, div {
		color:#51595E;
	}


		.contenttable, .contenttablesub, .contentmaincol, .contentmaincolsub, .breadcrumbs {
			background-color:#FFFFFF;
		}
	

		.rightcol, .rightcolsub {
			background-color:#F4F5F6;
		}
	

<!-- global header colours replaced by individual header settings. kept for compatibility --->

	h1, h2, h3, h4, h5, h6 {
		color:#2B4056;
	}


#nav {
	padding-top:0px;
	padding-bottom:0px;
}

	.navbararea {
		border-top-width:0px;
		padding-top:0px;
		margin-top:0px;
	}
	.navbar {
		padding-top:0px;
		margin-top:0px;
	}


	.navbararea {
		border-bottom-width:px;
		padding-bottom:0px;
		margin-bottom:0px;
	}
	.navbar {
		padding-bottom:0px;
		margin-bottom:0px;
	}


		.navbararea, .navbar, #nav, #nav ul, #nav ul:hover {
			background-color:#9CC15F;
			background-image:none;
			height:auto;
		}
	
	
		.navbutton, #nav li, #nav li ul, ul.dropdown *.dir, ul.dropdown ul, ul.dropdown li:hover, ul.dropdown li:hover {
			background-color:#9CC15F;
			background-image:none;
		}
	
	
		.navbuttonon, #nav a.dhtmlnavactive, a.dhtmlnavactive {
			background-color:#C9DF8E;
			background-image:none;
		}
	
	
		.navbuttonrollover, .navbuttonon:hover, #nav li:hover, #nav li.sfhover, ul.dropdown li:hover, ul.dropdown ul a:hover {
			background-color:#2B4056;
			background-image:none;
		}
	

		.navlinks, .navlinks:visited, #nav a {
			color:#FFFFFF;
			background-color:transparent;
		}
	

	.navlinkson, .navlinkson:visited {
		color:#2B4056;
		background-color:transparent;
	}
	#nav a.dhtmlnavactive, a.dhtmlnavactive {
		color:#2B4056;
	}


	.navlinks:hover, .navlinkson:hover, #nav:hover, #nav a:hover, #nav li:hover, #nav li.sfhover, ul.dropdown a:hover {
		color:#FFFFFF;
		
	}


	.navlinks, .navlinkson, #nav li, #nav li ul, #css3dnav1 li, #css3dnav1 li ul, ul.dropdown {
	
			font-family:"Arial Narrow", Helvetica, sans-serif;
		
	}


	.navlinks, .navlinkson, #nav li, #nav li ul, #css3dnav1 li a, #css3dnav1 li ul a, ul.dropdown {
		font-size:15px;
	}
	
		.navlinks, .navlinkson, #nav li, #nav li ul {
			line-height:1.2em;
		}
	

		.navlinks, .navlinkson, #nav a, #css3dnav1 li a, #css3dnav1 li ul a, ul.dropdown {
			text-transform:uppercase;
		}
		

	.navbuttons td {
	
	}


	.navleft1, .navleft1current, .navleft2, .navleft2current, .navleft3, .navleft3current {
	
	}


	.navleft1, .navleft1current, .navleft2, .navleft2current, .navleft3, .navleft3current {
	
	}


		.navleft1, .navleft1current, .navleft2, .navleft2current, .navleft3, .navleft3current {
			text-transform:none;
		}
		

	.navleft2, .navleft2current, .navleft3, .navleft3current {
	
	}


	.navleft2, .navleft2current, .navleft3, .navleft3current {
	
	}


		.navleft2, .navleft2current, .navleft3, .navleft3current {
			text-transform:none;
		}
		

	.navleft3, .navleft3current {
	
	}


	.navleft3, .navleft3current {
	
	}


		.navleft3, .navleft3current {
			text-transform:none;
		}
		

	.linearnavbar td a, .linearnavbarsearch td a {
	
	}


	.linearnavbar td a, .linearnavbarsearch td a {
			text-transform:none;
		}
		

	.contentmaincol, .contentmaincolsub, .breadcrumbs {
		padding-left:25px;
	}


	.contentmaincol, .contentmaincolsub {
		padding-right:25px;
	}


	.contentmaincol, .contentmaincolsub {
		padding-top:10px;
	}


	.contentmaincol {
		padding-left:25px;
	}


	.contentmaincol {
		padding-right:25px;
	}


	.contentmaincol {
		padding-top:28px;
	}


	.contentmaincol p, .contentmaincol div, .contentmaincol ul, .contentmaincol li, .contentmaincol td, 
	.contentmaincolsub p, .contentmaincolsub div, .contentmaincolsub ul, .contentmaincolsub li,  .contentmaincolsub td,
	.rightcol p, .rightcol div, .rightcol ul, .rightcol li, .rightcol td,
	.rightcolsub p, .rightcolsub div, .rightcolsub ul, .rightcolsub li, .rightcolsub td,
	#contentheader p, #contentheader div, #contentheader ul, #contentheader li, #contentheader td,
	#contentfooter p, #contentfooter div, #contentfooter ul, #contentfooter li, #contentfooter td  {
		font-size:14px;
	}


	.contentmaincol p, .contentmaincol div, .contentmaincol ul, .contentmaincol li, .contentmaincol td, 
	.contentmaincolsub p, .contentmaincolsub div, .contentmaincolsub ul, .contentmaincolsub li,  .contentmaincolsub td,
	.rightcol p, .rightcol div, .rightcol ul, .rightcol li, .rightcol td,
	.rightcolsub p, .rightcolsub div, .rightcolsub ul, .rightcolsub li, .rightcolsub td,
	#contentheader p, #contentheader div, #contentheader ul, #contentheader li, #contentheader td,
	#contentfooter p, #contentfooter div, #contentfooter ul, #contentfooter li, #contentfooter td  {
		line-height:20px;
	}


	.navleft, #contentleftcol {
		width:160px;
	}
	
	
.navleft {
	margin-left:5px;
}
#contentleftcol {
	padding-left:5px;
}


.navleft, #contentleftcol {
	padding-right:5px;
}


	.leftcol, .leftcolsub {
		width:160px;
	}

.navleft, #contentleftcol {
	width:150px;
}


	h1 {
	
	}


	h2 {
	
	}


	h3 {
	
			font-family:Arial, Helvetica, sans-serif;
		
	}


	h4 {
	
	}


	h5 {
	
	}


	h6 {
	
	}


	h1 {
		font-size:24px;
		line-height:1.2em;
	}


	h2 {
		font-size:20px;
		line-height:1.2em;
	}


	h3 {
		font-size:16px;
		line-height:1.2em;
	}


	h4 {
		font-size:14px;
		line-height:1.2em;
	}


	h5 {
		font-size:14px;
		line-height:1.2em;
	}


	h3 {
		line-height:6px;
	}


	h4 {
		line-height:20px;
	}


	h5 {
		line-height:16px;
	}


	h4 {
		font-weight:normal;
	}


	h3 {
		font-weight:bold;
	}


	h5 {
		font-weight:bold;
	}


	h3 {
		color:#9CC15F;
	}


	h4 {
		color:#677177;
	}


		h1 {
			text-transform:none;
		}
		

		h2 {
			text-transform:none;
		}
		

		h3 {
			text-transform:none;
		}
		

		h4 {
			text-transform:none;
		}
		

		h5 {
			text-transform:none;
		}
		

		h6 {
			text-transform:uppercase;
		}
		

	.contentmaincol a, .contentmaincolsub a, #contentrightcol a, .rightcol a, .rightcolsub a, #monthcalendar span.tip a, #contentleftcol a, #contentheader a, #contentfooter a {
		font-weight:normal;
	}


	.contentmaincol a, .contentmaincolsub a, #contentrightcol a, .rightcol a, .rightcolsub a, #monthcalendar span.tip a, #contentleftcol a, #contentheader a, #contentfooter a {
		color:#0066AA;
	}


	.contentmaincol a, .contentmaincolsub a, #contentrightcol a, .rightcol a, .rightcolsub a, #monthcalendar span.tip a, #contentleftcol a, #contentheader a, #contentfooter a {
		text-decoration:underline;
		border-bottom-style:hidden;
		border-bottom-style:none;
	}


	.contentmaincol a:hover, .contentmaincolsub a:hover, #contentrightcol a:hover, .rightcol a:hover, .rightcolsub a:hover, #monthcalendar span.tip a:hover, #contentleftcol a:hover, #contentheader a:hover, #contentfooter a:hover {
		color:#0066AA;
	}


		.contentmaincol a:hover, .contentmaincolsub a:hover, #contentrightcol a:hover, .rightcol a:hover, .rightcolsub a:hover, #monthcalendar span.tip a:hover, #contentleftcol a:hover, #contentheader a:hover, #contentfooter a:hover {
			background-color:#F6F9F2;
		}
	

	.contentmaincol a:hover, .contentmaincolsub a:hover, #contentrightcol a:hover, .rightcol a:hover, .rightcolsub a:hover, #monthcalendar span.tip a:hover, #contentleftcol a:hover, #contentheader a:hover, #contentfooter a:hover {
		text-decoration:none;
		border-bottom-style:hidden;
		border-bottom-style:none;
	}


	.breadcrumbs div, .breadcrumbs div a, .breadcrumbs div a:hover {
		color:#0066AA;
	}


		h4 {
	
	
		border-width:1px;
	
	
		border-style:dotted;
	
	
		border-color:#51595E;
	
	
		padding:10px;
	
	
		background-color:#FFFFFF;
	
	
	}
	
	
#contentrightcol {
	margin-left:10px;
}


#contentrightcol {
	margin-right:10px;
}


	.rightcol, .rightcolsub {
		width:220px;
	}

#contentrightcol {
	width:200px;
}


	.rightcol, .rightcolsub {
		padding-top:26px;
	}


.rightcol #contentrightcol {
	margin-left:10px;
}


.rightcol #contentrightcol {
	margin-right:5px;
}


.rightcol #contentrightcol {
	width:205px;
}


	#contentleftcol .wp table, #content .wp table, #contentrightcol .wp table {
		border-color:#677177;
	}


	ul li {
	
		list-style-type:square;
    
	}


	ul {
		margin-left:1.3em;
	}
	ol {
		margin-left:1.3em;
	}


	hr {
		border-top-color:#9CC15F;
	}


	hr {
		border-top-width:1px;
	}


	hr {
	
		border-top-style:solid;
    
	}


	hr {
		margin-top:0.5em;
	}


	hr {
		margin-bottom:0.5em;
	}


.productListItemImage a, .productListItemImage a:hover {
	background-color:transparent;
}


</style>


<link media="print" href="/site/ywd_prototype/library/css/printerfriendly.css" rel="stylesheet" type="text/css">


		<script language="JavaScript1.1" type="text/javascript">
		<!--
		
		
		//-->
		</script>
		
	
<script language="JavaScript1.2" src="site/ywd_prototype/library/javascript/sitespecific.js" type="text/javascript"></script>
<!-- BROKERBOX HEADER -->
</head>
<body 
		
		
		>


<div id="wrapper">
<div id="layoutsub">


<a name="top"></a>


    <div class="linearnavbar">
        <table border="0" align="right" cellpadding="0" cellspacing="0">	    
            <tr>
            	
                
                            <td>
                                <a href="http://www.caringforclients.com/index.cfm?pagepath=FAQ_s&amp;id=11424">FAQ's</a>						
                            </td>
                        
                    
                            <td>
                                <a href="http://www.caringforclients.com/index.cfm?pagepath=Blog&amp;id=21788">Blog</a>						
                            </td>
                        
                    
                            <td>
                                <a href="http://www.caringforclients.com/index.cfm?pagepath=Contact_Us&amp;id=11425">Contact Us</a>						
                            </td>
                        
                    
                            <td>
                                <a href="http://www.caringforclients.com/index.cfm?pagepath=Site_Map&amp;id=11473">Site Map</a>						
                            </td>
                        
                    
                <td style="width:8px;padding:0px;"></td>
                
            </tr>
        </table>
    </div>


<table class="layout" border="0" cellspacing="0" cellpadding="0">
	<tr>
		<td id="shadowvertleft">&nbsp;</td>
		<td class="layoutleft">
        
			
<div class="banner" >
    <script src="/site/master/library/javascript/flashobject.js" type="text/javascript"></script>
    <div id="flashcontent"
		  onclick="document.location.href='http://www.caringforclients.com/index.cfm?pagepath=Home&amp;id=11415';">
        
        	
                <table style="width:100%;height:100%;" border="0" cellspacing="0" cellpadding="0">
                    <tr>
                        <td style="width:100%;"><a href="#"><img src="/site/caring_for_clients/assets/images/c4cbanner_930.gif" border="0"></a></td>
                    </tr>
                </table>
           					
        
    </div>
</div>
</div>


            <div class="navbararea"  onclick="document.location.href='http://www.caringforclients.com/index.cfm?pagepath=Home&amp;id=11415';">
                <div class="navbar">
                    
                    
    <table border="0" cellspacing="0" cellpadding="0">
        <tr>
            <td>
            <ul id="nav">
            
                
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=Home&amp;id=11415" >Home</a>
                
                
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services&amp;id=11417" >Our Services</a>
                
                
		<ul>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Retirement_Planning&amp;id=11457" id="dhtml2link">Retirement Planning</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Estate_Planning_Administration&amp;id=11458" id="dhtml2link">Estate Planning & Administration</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Cash_Flow_Management&amp;id=11459" id="dhtml2link">Cash Flow Management</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Debt_Management&amp;id=11460" id="dhtml2link">Debt Management</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Tax_Planning&amp;id=11461" id="dhtml2link">Tax Planning</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Investment_Management_&amp;id=11462" id="dhtml2link">Investment Management*</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Ongoing_Review_Monitoring&amp;id=11463" id="dhtml2link">Ongoing Review & Monitoring</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Corporate_Care_Services&amp;id=11464" id="dhtml2link">Corporate Care Services</a>
                
				
            </li>
				
		</ul>	
	
	
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More&amp;id=11416" >Learn More</a>
                
                
		<ul>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/About_Us&amp;id=11472" id="dhtml2link">About Us</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/How_We_Work&amp;id=11418" id="dhtml2link">How We Work</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Getting_Started&amp;id=11419" id="dhtml2link">Getting Started</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Typical_Clients&amp;id=11420" id="dhtml2link">Typical Clients</a>
                
				
		<ul>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Typical_Clients/Pre_retirement&amp;id=11421" id="dhtml2link">Pre retirement</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Typical_Clients/Business_Owner&amp;id=11422" id="dhtml2link">Business Owner</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Typical_Clients/Busy_Executive&amp;id=11507" id="dhtml2link">Busy Executive</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Typical_Clients/Recent_Widow&amp;id=11508" id="dhtml2link">Recent Widow</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Typical_Clients/Downsized_Exec&amp;id=11509" id="dhtml2link">Downsized Exec</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Typical_Clients/Busy_Professional&amp;id=11510" id="dhtml2link">Busy Professional</a>
                
				
            </li>
				
		</ul>	
	
	
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Testimonials&amp;id=14861" id="dhtml2link">Testimonials</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Our_Network&amp;id=11423" id="dhtml2link">Our Network</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/In_the_News&amp;id=14855" id="dhtml2link">In the News</a>
                
				
            </li>
				
		</ul>	
	
	
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters&amp;id=11435" class="dhtmlnavactive">Newsletters</a>
                
                
		<ul>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/July_2010&amp;id=24904" id="dhtml2link">July 2010</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/April_2010&amp;id=22321" id="dhtml2link">April 2010</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/January_2010&amp;id=18633" id="dhtml2link">January 2010</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/Year_End_Reminders&amp;id=17756" id="dhtml2link">Year End Reminders</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/October_2009&amp;id=16006" id="dhtml2link">October 2009</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/July_2009&amp;id=13890" id="dhtml2link">July 2009</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/April_2009&amp;id=12079" id="dhtml2link">April 2009</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/January_2009&amp;id=12075" id="dhtml2link">January 2009</a>
                
				
            </li>
				
		</ul>	
	
	
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=FAQ_s&amp;id=11424" >FAQ's</a>
                
                
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=Login&amp;id=11426" >Login</a>
                
                
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=Blog&amp;id=21788" >Blog</a>
                
                
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=Contact_Us&amp;id=11425" >Contact Us</a>
                
                
            </ul>
            </td>
        </tr>
    </table>


                </div>
            </div>
            
			
<table align="left" class="contenttablesub" border="0" cellspacing="0" cellpadding="0">
	<tr>
<td colspan="3">


</td>
</tr>


    <tr>
        
		
        <td class="contentmaincolsub">
	
	
		<div class="breadcrumbs">


	<div><a href="http://www.caringforclients.com/index.cfm?pagepath=Home&amp;id=11415">Home</a>
		
	›
		
			<a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters&amp;id=11435">Newsletters</a>
		
	›
		
			<a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/July_2009&amp;id=13890">July 2009</a></div>

</div>
	
    
	<div id="content">
   
    
        	<div class="maincolbox">
                <div class="maincolcblock">
                    <div class="wp"><h1>Caring for Clients Newsletters</h1>
<p>Caring for Clients produces and posts a quarterly newsletter to keep our clients and potential clients informed about current market conditions, tax tips, recent news and other money related matters.</p></div><div style="margin:0px;padding:0px;height:0px;clear:both;"></div>
                </div>
            </div>
		
        	<div class="maincolbox">
                <div class="maincolcblock">
                    <div class="wp"><h3>July 2009</h3>
<hr />
<h1>Second Quarter, 2009</h1>
<p></p>
<p style="text-align: justify">We hope you are all enjoying the summer season. As you continue to unwind and settle into the summer sun, we would like to provide you with some interesting insights to ponder during your spare time.</p>
<p style="text-align: justify"></p>
<p style="text-align: justify">The tax season is now behind us and you may be one who either prepared your own tax return or one who employed an accountant. Whichever route you chose, it is helpful to be aware of the options available to minimize your taxes. Jamie Golombek, Managing Director of Tax and Estate Planning with CIBC Private Wealth Management, provides insight into the advantages of taking a closer look at your tax return in his article, <a href="/site/caring_for_clients/assets/pdf/Get_a_tax_Post_Mortem.pdf">Get a tax Post Mortem</a>.</p>
<p style="text-align: justify">While educating yourself on potential tax savings, you may also be interested in learning more about the proposed changes to the Canada Pension Plan and how these might affect your retirement planning. If approved, these changes will begin to take effect in 2011, so take a look at the proposed <a href="/site/caring_for_clients/assets/pdf/CPP_changes_letter__new_.pdf">CPP Changes </a>to start getting acquainted.</p>
<p style="text-align: justify">You may have also noticed the increasing media coverage of Exchange-Traded Funds (ETFs). Although the popularity of these investments has grown significantly, it is important to be aware of the various types of ETFs and their associated levels of volatility. To err on the side of caution, get to know the riskier side of inverse ETFs in Scot Blythe&rsquo;s article, <a href="/site/caring_for_clients/assets/pdf/Errant_ETFs.pdf">Errant ETFs</a>.</p>
<p style="text-align: justify">We hope we have left you with some interesting thoughts and if you have any questions, please do not hesitate to contact us at any time.</p>
<p style="text-align: justify">Have a wonderful summer!</p>
<p style="text-align: justify">Best regards,</p>
<p style="text-align: justify">Rona, Clifford &amp; Emily<br />
</p>
<p></p></div><div style="margin:0px;padding:0px;height:0px;clear:both;"></div>
                </div>
            </div>
		
		
    </div>
	
	
		<div class="contentbottomlinks">
			<table border="0" cellpadding="0" cellspacing="0">
				<tr>
					
						
                            <td><a href="#top" class="topofpagelink"><img src="/site/ywd_prototype/library/css/topofpage.gif" border="0" style="border:none;margin:0px;" alt="Top of page" title="Top of page"></a></td>
                            <td style="border:none;">&nbsp;&nbsp;&nbsp;</td>
                        
                    
                            <td><a href="#" class="printerfriendlylink" onClick="openaprintwindow('index.cfm?pagepath=Newsletters/July_2009&id=13890&PrintPage=true');"><img src="/site/ywd_prototype/library/css/printerfriendly.gif" border="0" style="border:none;margin:0px;" alt="Printer friendly version" title="Printer friendly version"></a></td>
                            <td style="border:none;">&nbsp;&nbsp;&nbsp;</td>
                        
                    
				</tr>
			</table>
		</div>
	

</td>

        
	<td valign="top" class="rightcolsub">
		
		
            <div id="contentrightcol">
				       
                    
                    	<div class="rightcolbox">
                            <div class="rightcolcblock">
                                <div class="wp"><h3 style="text-align: right"><img height="20" alt="" hspace="0" width="32" align="absMiddle" border="0" src="/site/caring_for_clients/assets/images/greenleaf.gif" />&nbsp;newsletter archives</h3>
<hr />
<div><a href="/index.cfm?id=24904">July 2010 Newsletter &raquo;</a></div>
<div><a href="/index.cfm?id=22321">April 2010 Newsletter &raquo;</a></div>
<div><a href="/index.cfm?id=18633">January 2010 Newsletter&nbsp;&raquo;</a></div>
<div><a href="/index.cfm?id=16006">October&nbsp;2009 Newsletter &raquo;</a></div>
<div><a href="/index.cfm?id=13890">July 2009 Newsletter &raquo;</a></div>
<div><a target="_self" href="/index.cfm?id=12079">April 2009&nbsp;Newsletter &raquo;</a><br />
<a href="/index.cfm?id=12075">January&nbsp;2009 Newsletter &raquo;</a></div>
<p></p></div><div style="margin:0px;padding:0px;height:0px;clear:both;"></div>
                            </div>
                        </div>
                    
                    
            </div>
		
	</td>


    </tr>
</table>

			
   		</td>
	    <td id="shadowvert" style="background-repeat:repeat-y;"></td>
	</tr>
    
    
    <tr id="shadowbottomrow"><td id="shadowcornerleft"></td><td id="shadowhoriz"></td><td id="shadowcorner" style="background-repeat:no-repeat;"></td></tr>
	
    
<tr>
	<td id="shadowbottomleft"></td>
	<td>
		<table class="footer" cellspacing="0" cellpadding="0">
			<tr>
            	
                	
                    <td colspan="2" class="tertiarynav">
                        
                        
                                    <a href="http://www.caringforclients.com/index.cfm?pagepath=Contact_Us&amp;id=11425">Contact Us</a>
                                
                            
                                        &nbsp;|&nbsp;
                                    
                                    <a href="http://www.caringforclients.com/index.cfm?pagepath=Site_Map&amp;id=11473">Site Map</a>
                                
                            
                    </td>
                
			</tr>
			

	<tr><td colspan="2" class="footertext" style="width:100%;">&copy;&nbsp;2009 Caring for Clients – Financial Planning with a Difference</td></tr>


	<tr>
		<td colspan="2" class="footertext" valign="top">
			69 Yonge Street, 2nd Floor, Toronto ON M5E 1K3 • T: 416.363.8500
			
		</td>
	</tr>


<tr>
	<td colspan="2" class="footerlogo">
    	
        
		<a href="http://www.yourwebdepartment.com" target="_blank">Powered by Your Web Department&#8482;&nbsp;&nbsp;<img src="/site/ywd_prototype/images/ywd_icon1.gif" width="21" height="21" border="0" align="absbottom" alt="Your Web Department&#8482;" title="Your Web Department&#8482;" /></a>
    </td>
</tr>


		</table>
	</td>
	<td>&nbsp;</td>
</tr>
    	</table>
    

    	</div>
</div>

 
<script src="http://www.google-analytics.com/urchin.js" type="text/javascript">
</script>
<script type="text/javascript">
try {
_uacct = "UA-8629498-2";
urchinTracker();
} catch(err) {}</script>

</body>
</html>