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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; Estate Planning</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>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>

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		<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>
		</item>
		<item>
		<title>August Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/august-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=august-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/august-personal-finance-newsletter#comments</comments>
		<pubDate>Mon, 15 Aug 2011 17:27:30 +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[Your Finances]]></category>
		<category><![CDATA[A/B trusts]]></category>
		<category><![CDATA[college costs]]></category>
		<category><![CDATA[credit downgrade]]></category>
		<category><![CDATA[debt ceiling]]></category>
		<category><![CDATA[medicaid]]></category>
		<category><![CDATA[medicare]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1585</guid>
		<description><![CDATA[The August personal finance newsletter is now available.  It features a Q&#38;A on the debt ceiling, downgrade, and market response.  Plus there&#8217;s a follow-up on the ABCs of Trusts article from last month&#8217;s newsletter, suggestions on talking with your high school student about college costs, an analysis of the real costs of keeping your long-term [...]]]></description>
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		</item>
		<item>
		<title>July Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/july-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=july-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/july-personal-finance-newsletter#comments</comments>
		<pubDate>Thu, 14 Jul 2011 20:06:30 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[mileage rates]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1544</guid>
		<description><![CDATA[The July personal financial planning newsletter is now available.
Because of the tumultuous investment markets and economic uncertainty, the newsletter includes two investing columns &#8212; one a recap of the second quarter market performance with a look forward, and another by Jim Parker with Dimensional Funds providing some compelling data on the importance of maintaining investment [...]]]></description>
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		<item>
		<title>April Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/april-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=april-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/april-personal-finance-newsletter#comments</comments>
		<pubDate>Fri, 15 Apr 2011 14:53:56 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[401(k) Roth conversions in-plan]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[IRA contribution deadline]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1500</guid>
		<description><![CDATA[The April 2011 Personal Finance Newsletter is now available.  This month&#8217;s newsletter includes a reminder on Monday&#8217;s 2010 IRA contribution deadline and information on social security statements being suspended.   We also have articles on the estate tax exemption portability and the opportunity for some to do Roth conversions inside their 401(k) plans. Plus &#8212; it&#8217;s my pleasure to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>March Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/march-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=march-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/march-personal-finance-newsletter#comments</comments>
		<pubDate>Mon, 14 Mar 2011 15:42:15 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[charitable giving]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1459</guid>
		<description><![CDATA[The March personal financial planning newsletter is now available.   It includes an update on the investment market, tips on cutting discretionary spending to build your cash reserve, planned charitable giving, and social security survivors benefit.  There&#8217;s also a special guest column from attorney Rania Combs on the complexities of dying intestate (without a will) for individuals in [...]]]></description>
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		</item>
		<item>
		<title>January 2011 Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/january-2011-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=january-2011-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/january-2011-personal-finance-newsletter#comments</comments>
		<pubDate>Fri, 14 Jan 2011 19:53:31 +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[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[estate tax]]></category>
		<category><![CDATA[market update]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1432</guid>
		<description><![CDATA[The January newsletter is now available with a 2010 investment market recap, a humorous look at investing resolutions for the new year, and details on the estate tax changes enacted in December.  It also includes an announcement of topics for the Keller Public Library personal finance workshop series for January &#8211; June.  Click here to [...]]]></description>
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		</item>
		<item>
		<title>November Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/november-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=november-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/november-personal-finance-newsletter#comments</comments>
		<pubDate>Wed, 10 Nov 2010 15:38:47 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2010 inheritance]]></category>
		<category><![CDATA[2011 retirement plan contribution limits]]></category>
		<category><![CDATA[college financial aid]]></category>
		<category><![CDATA[college pricing trends]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[investment market update]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1418</guid>
		<description><![CDATA[The November personal finance newsletter is now available.  It includes information 2011 retirement plan contribution limits &#8212; most are unchanged, but if you&#8217;re right on the edge of having too much income to make Roth IRA contributions, you should check out the slightly increased income phase-out ranges.  The newsletter also covers inheriting propert in 2010 [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>January 2010 Newsletter</title>
		<link>http://keenerfinancial.com/january-2010-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=january-2010-newsletter</link>
		<comments>http://keenerfinancial.com/january-2010-newsletter#comments</comments>
		<pubDate>Tue, 12 Jan 2010 16:25:33 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2010 estate tax]]></category>
		<category><![CDATA[estate tax repeal]]></category>
		<category><![CDATA[federal estate tax]]></category>
		<category><![CDATA[home inventory]]></category>
		<category><![CDATA[monthly newsletter]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1117</guid>
		<description><![CDATA[The January 2010 newsletter is now available.  Beginning in 2010, it will be published the second week of each month.  This month&#8217;s newsletter includes a brief 2009 market update, an update on the estate tax for 2010, how to conduct a home inventory, and more.  Click here to read it. 
]]></description>
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		</item>
		<item>
		<title>2010 Key Numbers</title>
		<link>http://keenerfinancial.com/2010-key-numbers?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=2010-key-numbers</link>
		<comments>http://keenerfinancial.com/2010-key-numbers#comments</comments>
		<pubDate>Wed, 02 Dec 2009 15:51:11 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2010 key financial numbers]]></category>
		<category><![CDATA[2010 medicare premiums]]></category>
		<category><![CDATA[2010 retirement plan contribution limits]]></category>
		<category><![CDATA[2010 social security COLA]]></category>
		<category><![CDATA[2010 tax brackets]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1081</guid>
		<description><![CDATA[ The key numbers guide from Forefield has been updated for 2010.  Not a lot of changes from last year, but still a convenient reference.  It includes limits on retirement plan contributions, tax brackets, tax credit and deduction phase-outs, social security benefits, medicare, and much more.  2010 Key Numbers
]]></description>
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		</item>
		<item>
		<title>Charitable Giving as Part of Your Estate Plan</title>
		<link>http://keenerfinancial.com/charitable-giving-as-part-of-your-estate-plan?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=charitable-giving-as-part-of-your-estate-plan</link>
		<comments>http://keenerfinancial.com/charitable-giving-as-part-of-your-estate-plan#comments</comments>
		<pubDate>Tue, 03 Nov 2009 14:45:13 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[charitable giving]]></category>
		<category><![CDATA[Charitable Lead Trust]]></category>
		<category><![CDATA[charitable remainder trust]]></category>
		<category><![CDATA[CLT]]></category>
		<category><![CDATA[CRT]]></category>
		<category><![CDATA[estate planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1047</guid>
		<description><![CDATA[As the holidays approach, it’s a good time to consider charitable giving as a potential part of your estate plan.  Giving provides a sense of personal satisfaction, and it can be beneficial from a financial planning perspective.  
If you’re one of the 2% of Americans currently subject to the estate tax, planned charitable giving can [...]]]></description>
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		<slash:comments>1</slash:comments>
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