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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; Featured Posts</title>
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	<link>http://keenerfinancial.com</link>
	<description>personal financial planning, financial advisor in Dallas Fort Worth, financial advisor in Keller, TX, fee only financial planner, hourly financial planner, investment advice, retirement planning, college planning, divorce financial planning, budgeting and debt management</description>
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		<title>January 2012 Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/january-2012-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=january-2012-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/january-2012-personal-finance-newsletter#comments</comments>
		<pubDate>Tue, 17 Jan 2012 21:14:24 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2011 market recap]]></category>
		<category><![CDATA[Keller financial planning]]></category>
		<category><![CDATA[Keller Personal Finance Workshops]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1750</guid>
		<description><![CDATA[The January 2012 personal finance newsletter is now available.  It includes a 2011 investment market recap from Dimensional Fund Advisors with data on all the major indices and a summary of the major investing themes of 2011.  In addition, there&#8217;s a comparison between the dividend rates of the S&#38;P 500 and interest rate on treasuries [...]]]></description>
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		<title>FAQ on the Federal Financial Aid Application</title>
		<link>http://keenerfinancial.com/faq-on-the-federal-financial-aid-application?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=faq-on-the-federal-financial-aid-application</link>
		<comments>http://keenerfinancial.com/faq-on-the-federal-financial-aid-application#comments</comments>
		<pubDate>Fri, 30 Dec 2011 17:56:59 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[education funding]]></category>
		<category><![CDATA[FAFSA]]></category>
		<category><![CDATA[financial aid]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1723</guid>
		<description><![CDATA[
If you have a child who&#8217;s attending college in the fall, it&#8217;s time fill out the federal government&#8217;s Free Application for Federal Student Aid, the FAFSA.  The FAFSA, should be filed as soon after January 1 as possible in the year your child will be attending college. The reason is that some federal aid programs [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Plan now for a successful 2012</title>
		<link>http://keenerfinancial.com/plan-now-for-a-successful-2012?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=plan-now-for-a-successful-2012</link>
		<comments>http://keenerfinancial.com/plan-now-for-a-successful-2012#comments</comments>
		<pubDate>Tue, 29 Nov 2011 15:22:48 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2012 planning]]></category>
		<category><![CDATA[year-end planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1711</guid>
		<description><![CDATA[Taking a few moments now to assess your financial situation can go a long way toward positioning you for success next year.  Some items to consider:
If Retired

Have you taken      any required minimum distributions from your IRAs for this year?
Even if no IRA      distributions are required, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Best Financial Planner Award 2009 &#8211; 2011</title>
		<link>http://keenerfinancial.com/best-financial-planner-award-2009-2011?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=best-financial-planner-award-2009-2011</link>
		<comments>http://keenerfinancial.com/best-financial-planner-award-2009-2011#comments</comments>
		<pubDate>Fri, 07 Oct 2011 15:52:10 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[best financial planner]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1671</guid>
		<description><![CDATA[Thank you to the readers of the Keller Citizen for voting Keener Financial Planning Keller&#8217;s Best Financial Planner again for 2011!  We greatly appreciate your support, and enjoy providing financial planning and investment advice for our clients in Keller and greater North Texas.
Keener Financial Planning&#8217;s mission is to provide objective, expert financial advice tailored to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Coordinating Spousal Benefits for Social Security</title>
		<link>http://keenerfinancial.com/coordinating-spousal-benefits-for-social-security?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=coordinating-spousal-benefits-for-social-security</link>
		<comments>http://keenerfinancial.com/coordinating-spousal-benefits-for-social-security#comments</comments>
		<pubDate>Mon, 03 Oct 2011 17:47:12 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[social security spousal benefits]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1662</guid>
		<description><![CDATA[Coordinating spousal benefits in filing for social security can make a big difference in your retirement income.  Contrary to popular practice, it’s not automatic that each spouse should just file for social security benefits as soon as he or she retires.  As a couple, you have the potential to increase your income over your whole [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Remodels and Renovations that Pay Off Financially</title>
		<link>http://keenerfinancial.com/remodels-and-renovations-that-pay-off-financially?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=remodels-and-renovations-that-pay-off-financially</link>
		<comments>http://keenerfinancial.com/remodels-and-renovations-that-pay-off-financially#comments</comments>
		<pubDate>Mon, 19 Sep 2011 15:16:46 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[Remodeling ROI]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1611</guid>
		<description><![CDATA[Special Guest Post by North Texas Home Designer Lisa Baer
Move or remodel? Given the current condition of the housing market in North Texas and elsewhere in the country, many homeowners are finding remodeling a better option than moving. A strong housing market may be some months away, and many homeowners are considering investing in their [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should you pay off the mortgage?</title>
		<link>http://keenerfinancial.com/should-you-pay-off-the-mortgage?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=should-you-pay-off-the-mortgage</link>
		<comments>http://keenerfinancial.com/should-you-pay-off-the-mortgage#comments</comments>
		<pubDate>Tue, 18 May 2010 20:32:24 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage pay-off]]></category>
		<category><![CDATA[pay off the house]]></category>
		<category><![CDATA[retirement decisions]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1284</guid>
		<description><![CDATA[One of the best financially freeing moments in life is the day you compare your savings and mortgage principal balances and realize that you could pay off your mortgage if you wanted to.  If you’re at that point, congratulations!  If you’re not there yet, keep saving; it can come sooner than you think.
Of course, immediately [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Roth IRA Conversion Overview</title>
		<link>http://keenerfinancial.com/roth-ira-conversion-overview?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=roth-ira-conversion-overview</link>
		<comments>http://keenerfinancial.com/roth-ira-conversion-overview#comments</comments>
		<pubDate>Mon, 14 Sep 2009 20:07:16 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[2010 Roth Conversion]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Roth IRA conversion]]></category>
		<category><![CDATA[Roth IRA video]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=937</guid>
		<description><![CDATA[Through 2009, converting an IRA from a traditional IRA to Roth is only available for those with household incomes under $100,000.  Beginning next year, that changes.  However, a lot of people aren&#8217;t aware of the upcoming changes &#8212; according to Financial Planning magazine, only 42% of advisor clients were aware of the new Roth IRA conversion [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/roth-ira-conversion-overview/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Free Financial Advice in Keller</title>
		<link>http://keenerfinancial.com/free-financial-advice-in-keller?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=free-financial-advice-in-keller</link>
		<comments>http://keenerfinancial.com/free-financial-advice-in-keller#comments</comments>
		<pubDate>Tue, 08 Sep 2009 17:48:39 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[financial planning week]]></category>
		<category><![CDATA[free financial advice]]></category>
		<category><![CDATA[Keller financial planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=913</guid>
		<description><![CDATA[Free financial advice will be available to residents of Keller, TX for Financial Planning Week October 5-12, 2009.  Many individuals and families are facing financial challenges or uncertainty right now.  Retirement plans are shifting.  Investments are volatile.  Jobs are less secure.  And debt is a bigger issue than ever.  In this environment, people are hungry for [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>New Texas Teacher Long-Term Care Insurance Option</title>
		<link>http://keenerfinancial.com/new-texas-teacher-long-term-care-insurance-option?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=new-texas-teacher-long-term-care-insurance-option</link>
		<comments>http://keenerfinancial.com/new-texas-teacher-long-term-care-insurance-option#comments</comments>
		<pubDate>Fri, 04 Sep 2009 14:00:42 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[Genworth long-term care]]></category>
		<category><![CDATA[long-term care]]></category>
		<category><![CDATA[long-term care insurance]]></category>
		<category><![CDATA[teacher long-term care insurance]]></category>
		<category><![CDATA[Texas teachers benefits]]></category>
		<category><![CDATA[TRS benefits]]></category>
		<category><![CDATA[TRS long-term care insurance]]></category>
		<category><![CDATA[TX teachers benefits]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=897</guid>
		<description><![CDATA[Beginning on September 1 this year, the new long-term care insurance provider for the Texas Teacher Retirement System (TRS) switched from Aetna to Genworth.  During open enrollment from September 15 &#8211; November 15 this year, teachers will have the option to sign up for this insurance.  If you&#8217;re thinking about getting long-term care insurance anytime soon, [...]]]></description>
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		<slash:comments>1</slash:comments>
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