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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; News</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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		<slash:comments>0</slash:comments>
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		<item>
		<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>December 2011 Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/december-2011-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=december-2011-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/december-2011-personal-finance-newsletter#comments</comments>
		<pubDate>Tue, 20 Dec 2011 15:53:01 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2012 gift tax exclusion]]></category>
		<category><![CDATA[online account security]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1720</guid>
		<description><![CDATA[The December personal finance newsletter is now available.   It includes information on a new student loan repayment program going into effect in January 2012, gift tax strategies, and tips on keeping your online accounts secure.  Plus, for those that enjoy history, there&#8217;s some perspective on stock market cycles and the effect of being in [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<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>November Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/november-personal-finance-newsletter-2?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=november-personal-finance-newsletter-2</link>
		<comments>http://keenerfinancial.com/november-personal-finance-newsletter-2#comments</comments>
		<pubDate>Mon, 14 Nov 2011 16:28:52 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Women's Issues]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2011 college cost report]]></category>
		<category><![CDATA[2012 IRA contribution limits]]></category>
		<category><![CDATA[2012 medicare figures]]></category>
		<category><![CDATA[2012 social security figures]]></category>
		<category><![CDATA[long-term care insurance]]></category>
		<category><![CDATA[required minimum distributions]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1705</guid>
		<description><![CDATA[The November personal finance newsletter is now available.  It includes all the updates on 2012 IRA and retirement plan contribution limits, plus the 2012 social security and medicare figures.  In addition, we cover the importance of long term care planning for women and information on a free upcoming long term care insurance workshop at the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Harvesting Investment Losses for Tax Purposes</title>
		<link>http://keenerfinancial.com/harvesting-investment-losses-for-tax-purposes?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=harvesting-investment-losses-for-tax-purposes</link>
		<comments>http://keenerfinancial.com/harvesting-investment-losses-for-tax-purposes#comments</comments>
		<pubDate>Tue, 25 Oct 2011 20:29:44 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1693</guid>
		<description><![CDATA[You frequently hear investment professionals suggest “harvesting losses” before the end of the calendar year to save money on taxes.  Loss harvesting can be a highly productive strategy, and it pays to understand how it works and when you might not want to take advantage of it.
The opportunity to harvest losses is available in taxable [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>October Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/october-personal-finance-newsletter-2?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=october-personal-finance-newsletter-2</link>
		<comments>http://keenerfinancial.com/october-personal-finance-newsletter-2#comments</comments>
		<pubDate>Thu, 13 Oct 2011 15:26:38 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[debt downgrades]]></category>
		<category><![CDATA[investment markets]]></category>
		<category><![CDATA[medicare]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1688</guid>
		<description><![CDATA[The October personal finance newsletter is now available.  We review the third quarter investment markets performance and provide perspective on the current economic situation.  In addition, the newsletter includes information on medicare open enrollment, how markets have historically reacted to countries&#8217; debt rating changes, and more.  To view the newsletter, click here.
]]></description>
		<wfw:commentRss>http://keenerfinancial.com/october-personal-finance-newsletter-2/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://keenerfinancial.com/best-financial-planner-award-2009-2011/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://keenerfinancial.com/coordinating-spousal-benefits-for-social-security/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Keller Social Security Workshop</title>
		<link>http://keenerfinancial.com/keller-social-security-workshop?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=keller-social-security-workshop</link>
		<comments>http://keenerfinancial.com/keller-social-security-workshop#comments</comments>
		<pubDate>Mon, 26 Sep 2011 14:51:34 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[retirement income]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1658</guid>
		<description><![CDATA[My free workshop on social security planning at the Keller Public Library is scheduled for Tuesday, October 18 at 6:30 pm.
It&#8217;s designed for baby boomers to help you maximize your retirement income. If you are 55 or older, have not yet filed for social security, and live in or around Keller, you should strongly consider [...]]]></description>
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		<slash:comments>0</slash:comments>
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