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    <title>Immunis Planning Insights</title>
    <link>https://dev-immun.lovable.app/insights</link>
    <description>Practical Canadian planning insights for dentists, business owners, families and strategic givers.</description>
    <language>en-ca</language>
    <item>
      <title>Should an Incorporated Dentist Take Salary or Dividends Before Buying a Home?</title>
      <link>https://dev-immun.lovable.app/insights/dentist-salary-vs-dividends-home-purchase</link>
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      <description>How an incorporated dentist is compensated in the years before a home purchase can influence mortgage documentation, registered-savings room and corporate cash flow.</description>
      <category>Dentists</category>
    </item>
    <item>
      <title>Should a Dentist Buy a Practice Through an Existing Professional Corporation?</title>
      <link>https://dev-immun.lovable.app/insights/dentist-practice-purchase-corporate-structure</link>
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      <description>Purchasing through an existing professional corporation, a new corporation or a holding structure changes financing, liability and future sale flexibility.</description>
      <category>Dentists</category>
    </item>
    <item>
      <title>How Can Passive Assets Affect a Dentist's Practice-Sale Readiness?</title>
      <link>https://dev-immun.lovable.app/insights/dentist-passive-assets-lcge-readiness</link>
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      <description>Investments accumulated inside a professional corporation can affect small-business tax treatment and whether shares meet the tests for capital-gains exemption planning.</description>
      <category>Dentists</category>
    </item>
    <item>
      <title>How Can Business Owners Fund a Buy-Sell Agreement?</title>
      <link>https://dev-immun.lovable.app/insights/business-owner-buy-sell-funding</link>
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      <description>A shareholder agreement sets out what happens when an owner dies, becomes disabled or exits. Funding determines whether the surviving owners can actually perform it.</description>
      <category>Business Owners</category>
    </item>
    <item>
      <title>When Should a Business Owner Review Their Corporate Structure?</title>
      <link>https://dev-immun.lovable.app/insights/business-owner-corporate-structure-review</link>
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      <description>Structures are usually built for the business as it was. Growth, new shareholders, real estate, surplus cash and succession are all signals to revisit them.</description>
      <category>Business Owners</category>
    </item>
    <item>
      <title>How Can Corporate-Owned Life Insurance Support Business and Estate Planning?</title>
      <link>https://dev-immun.lovable.app/insights/corporate-owned-life-insurance</link>
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      <description>Corporately held coverage can protect the business, fund shareholder obligations and interact with estate planning - but ownership and beneficiary details drive the outcome.</description>
      <category>Business Owners</category>
    </item>
    <item>
      <title>Can an RESP and Permanent Life Insurance Work Together for Education Planning?</title>
      <link>https://dev-immun.lovable.app/insights/resp-and-insurance-education-planning</link>
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      <description>An RESP is purpose-built for education funding. Permanent insurance serves a different role. Families often ask how the two fit together in one plan.</description>
      <category>Families</category>
    </item>
    <item>
      <title>What Assets Can Canadians Donate Instead of Cash?</title>
      <link>https://dev-immun.lovable.app/insights/canadian-strategic-giving-assets</link>
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      <description>Publicly traded securities, life insurance, registered plan proceeds, estate gifts and corporate donations are all used by Canadian donors alongside or instead of cash.</description>
      <category>Strategic Giving</category>
    </item>
    <item>
      <title>Where Should Surplus Cash Sit in a Canadian Corporation?</title>
      <link>https://dev-immun.lovable.app/insights/corporate-surplus-cash-sale-readiness</link>
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      <description>Surplus cash left inside an operating company can accumulate quietly for years and then complicate a sale. Where it sits, how it is invested and who owns any related insurance all deserve a structural answer.</description>
      <category>Business Owners</category>
    </item>
    <item>
      <title>How Should Real Estate Investors Coordinate Property Debt, Liquidity and Estate Exposure?</title>
      <link>https://dev-immun.lovable.app/insights/real-estate-investor-leverage-liquidity-estate</link>
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      <description>A leveraged real estate portfolio concentrates debt, liquidity needs and estate exposure in ways a single rental property does not. Insurance can play a role, but only where it fits the borrowing, the interest rate and the investor's tolerance for market risk.</description>
      <category>Real Estate Investors</category>
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