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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>January 2010 Newsletter</title>
		<link>http://keenerfinancial.com/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, CRPC, CFDP</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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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>2010 Key Numbers</title>
		<link>http://keenerfinancial.com/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, CRPC, CFDP</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>
		<wfw:commentRss>http://keenerfinancial.com/2010-key-numbers/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Charitable Giving as Part of Your Estate Plan</title>
		<link>http://keenerfinancial.com/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, CRPC, CFDP</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>
		<wfw:commentRss>http://keenerfinancial.com/charitable-giving-as-part-of-your-estate-plan/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Roth conversion as estate planning technique</title>
		<link>http://keenerfinancial.com/roth-conversion-as-estate-planning-technique</link>
		<comments>http://keenerfinancial.com/roth-conversion-as-estate-planning-technique#comments</comments>
		<pubDate>Mon, 28 Sep 2009 19:28:43 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2010 Roth Conversion]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[estate planning techniques]]></category>
		<category><![CDATA[Roth IRA conversion]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=975</guid>
		<description><![CDATA[The 2010 lifting of income limits for Roth IRA conversions creates a sizable opportunity to reduce estate taxes.  We’ve already discussed Roth IRA conversion basics, and who might want to convert.  But if your estate is potentially subject to the estate tax at your death, you have an additional reason to take a close look at [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>July 2009 Newsletter</title>
		<link>http://keenerfinancial.com/july-2009-newsletter</link>
		<comments>http://keenerfinancial.com/july-2009-newsletter#comments</comments>
		<pubDate>Wed, 01 Jul 2009 18:47:37 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[diversifying your investments]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[FDIC insurance]]></category>
		<category><![CDATA[mortgage refinance]]></category>
		<category><![CDATA[should I refinance?]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=722</guid>
		<description><![CDATA[The July 2009 newsletter is now available online.  It reviews some blog information on FDIC insurance limits, establishing an emergency fund, and down market estate planning opportunities.  It also covers new information on whether or not you should refinance your mortgage and considerations in diversifying your investments.  Click here to read it.
]]></description>
		<wfw:commentRss>http://keenerfinancial.com/july-2009-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Estate Planning Opportunities in a Down Market</title>
		<link>http://keenerfinancial.com/estate-planning-opportunities-in-a-down-market</link>
		<comments>http://keenerfinancial.com/estate-planning-opportunities-in-a-down-market#comments</comments>
		<pubDate>Wed, 01 Jul 2009 15:46:47 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[Charitable Lead Trust]]></category>
		<category><![CDATA[CLT]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[estate tax]]></category>
		<category><![CDATA[estate tax exemption]]></category>
		<category><![CDATA[family loans]]></category>
		<category><![CDATA[gifting]]></category>
		<category><![CDATA[grantor retained annuity trust]]></category>
		<category><![CDATA[GRAT]]></category>
		<category><![CDATA[IDGT]]></category>
		<category><![CDATA[Intentionally Defective Grantor Trust]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=710</guid>
		<description><![CDATA[
Most Americans are not subject to the federal estate tax at its current exemption levels.  For 2009, each person can pass $3.5 million to heirs estate-tax free at their death.
 
However, if your estate has the potential to be affected by the estate tax, you have some planning opportunities right now.   A down market can mean tough [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/estate-planning-opportunities-in-a-down-market/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>June 2009 Newsletter</title>
		<link>http://keenerfinancial.com/june-2009-newsletter</link>
		<comments>http://keenerfinancial.com/june-2009-newsletter#comments</comments>
		<pubDate>Tue, 02 Jun 2009 17:27:38 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[credit card law provisions]]></category>
		<category><![CDATA[energy tax credits]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[market update]]></category>
		<category><![CDATA[second marriage]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=656</guid>
		<description><![CDATA[The June 2009 newsletter is now available.  It includes articles on the new credit card law provisions, energy-efficient tax credits, estate planning for second marriages, and social security planning.  Click here to read it.
]]></description>
		<wfw:commentRss>http://keenerfinancial.com/june-2009-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>April 2009 Newsletter</title>
		<link>http://keenerfinancial.com/april-2009-newsletter</link>
		<comments>http://keenerfinancial.com/april-2009-newsletter#comments</comments>
		<pubDate>Mon, 06 Apr 2009 19:52:24 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[budgeting and saving]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[market update]]></category>
		<category><![CDATA[worthless securities]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=624</guid>
		<description><![CDATA[The April 2009 newsletter is now available online.  It includes an update on market conditions, plus information on the Cobra subsidy, writing off worthless securities on your taxes, an estate planning pitfall to avoid, a conversation for parents about saving for retirement vs. college, and a how-to on budgeting.  Click here to read the newsletter.
]]></description>
		<wfw:commentRss>http://keenerfinancial.com/april-2009-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>To Will or Not to Will</title>
		<link>http://keenerfinancial.com/to-will-or-not-to-will</link>
		<comments>http://keenerfinancial.com/to-will-or-not-to-will#comments</comments>
		<pubDate>Mon, 06 Apr 2009 15:57:59 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[community property]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[wills]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=621</guid>
		<description><![CDATA[Catchy title, isn&#8217;t it?  To Will or Not to Will. I would love to take credit for it, but it all goes to the Texas Young Lawyers Association and the State Bar of Texas.
When you do as a resident of Texas, if you don&#8217;t have a will, the state of Texas has one for you.  It&#8217;s [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/to-will-or-not-to-will/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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