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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth</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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			<item>
		<title>Keller Social Security Workshop Schedule Change</title>
		<link>http://keenerfinancial.com/keller-social-security-workshop-schedule-change</link>
		<comments>http://keenerfinancial.com/keller-social-security-workshop-schedule-change#comments</comments>
		<pubDate>Wed, 16 May 2012 13:47:27 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[Keller social security workshop]]></category>
		<category><![CDATA[social security planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1821</guid>
		<description><![CDATA[The social security workshop scheduled for this Saturday at the Conservatory in Keller has been postponed.  The new date is to be determined.
The June social security workshop at the Keller Public Library is still on.  It&#8217;s scheduled for the third Tuesday, June 19 at 6:30 pm.
The social security workshop is designed for baby boomers to [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/keller-social-security-workshop-schedule-change/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>April 2012 Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/april-2012-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/april-2012-personal-finance-newsletter#comments</comments>
		<pubDate>Thu, 26 Apr 2012 18:33:15 +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[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[career change]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[retirement income workshop]]></category>
		<category><![CDATA[social security workshop]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1808</guid>
		<description><![CDATA[The April personal finance newsletter is now available.  It includes the investment market update from January &#8211; March 2012, how to decide whether to pay down debt or save and invest, and planning for a career change.  In addition, there&#8217;s information on upcoming retirement income and social security workshops at the Conservatory in Keller and [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/april-2012-personal-finance-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What&#8217;s Your Money Story?</title>
		<link>http://keenerfinancial.com/whats-your-money-story</link>
		<comments>http://keenerfinancial.com/whats-your-money-story#comments</comments>
		<pubDate>Thu, 26 Apr 2012 18:17:12 +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[money and values]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1810</guid>
		<description><![CDATA[Following is a very special guest post from Dr. Tim Kincaid. Tim generously shares part of his journey with money and offers a process to further develop each of our money stories.  Financial planning is about so much more than the money, and Tim highlights some key insights on how we can each more fully [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/whats-your-money-story/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Dallas News Personal Finance Blog Credit Question</title>
		<link>http://keenerfinancial.com/dallas-news-personal-finance-blog-credit-question</link>
		<comments>http://keenerfinancial.com/dallas-news-personal-finance-blog-credit-question#comments</comments>
		<pubDate>Wed, 14 Mar 2012 17:15:14 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Jean's Advice in the News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Dallas financial advice]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1805</guid>
		<description><![CDATA[As a contributor to the Dallas Morning News&#8217; personal finance blog, I answer questions on a variety of personal finance, college, and retirement issues.  Today&#8217;s question regarding credit scoring is fairly common, so I wanted to share my response with a link to the Dallas Morning News blog.  The blog is staffed by volunteers like [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/dallas-news-personal-finance-blog-credit-question/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>March 2012 Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/march-2012-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/march-2012-personal-finance-newsletter#comments</comments>
		<pubDate>Mon, 12 Mar 2012 15:58:53 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Debt Management]]></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]]></category>
		<category><![CDATA[inherited IRA]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[market valuation]]></category>
		<category><![CDATA[tax planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1802</guid>
		<description><![CDATA[The March 2012 personal finance newsletter is now available and covers several personal finance topics.  For retirement planning, we look at your options when you inherit an IRA.  For debt management, we cover how to pay down credit cards without hurting your credit.  For investing, we look at different ways of measuring stock market valuations [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/march-2012-personal-finance-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting the Most Out of Your Employer Retirement Plan</title>
		<link>http://keenerfinancial.com/getting-the-most-out-of-your-employer-retirement-plan</link>
		<comments>http://keenerfinancial.com/getting-the-most-out-of-your-employer-retirement-plan#comments</comments>
		<pubDate>Thu, 01 Mar 2012 17:28:45 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[401(k)]]></category>
		<category><![CDATA[403(b)]]></category>
		<category><![CDATA[employer retirement plan]]></category>
		<category><![CDATA[TSP]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1798</guid>
		<description><![CDATA[I will be presenting a free financial planning workshop at the Keller Public Library on Tuesday, March 20 at 6:30 pm.   The topic is How to Get the Most Out of Your Employer Retirement Plan.  We will cover:

How to choose the best funds with the information provided
Where to get more information if needed
Getting the [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/getting-the-most-out-of-your-employer-retirement-plan/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Social Security and Divorce</title>
		<link>http://keenerfinancial.com/social-security-and-divorce</link>
		<comments>http://keenerfinancial.com/social-security-and-divorce#comments</comments>
		<pubDate>Mon, 27 Feb 2012 17:52:37 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Women's Issues]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[divorce]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[social security and divorce]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1793</guid>
		<description><![CDATA[If you&#8217;re divorced and were married for at least 10 years, you may be entitled to social security benefits based on your former spouse&#8217;s earnings record.
If your former spouse is still living

Your divorced spouse benefits are based on 50% of your ex-spouse&#8217;s benefit at full retirement age.  You are eligible to start this benefit as early as age [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/social-security-and-divorce/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>February 2012 Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/february-2012-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/february-2012-personal-finance-newsletter#comments</comments>
		<pubDate>Thu, 23 Feb 2012 16:52:08 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Women's Issues]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[investing; cost basis rules]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[social security and divorce]]></category>
		<category><![CDATA[tax planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1788</guid>
		<description><![CDATA[The February 2012 personal finance newsletter is now available.  In the newsletter, we have financial planning inspiration from Keller High School seniors to refocus on paying yourself first.  For investing, it includes an investment market update and information on the new cost basis rules.  For retirement planning, we look at how social security works for [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/february-2012-personal-finance-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pay Yourself First</title>
		<link>http://keenerfinancial.com/pay-yourself-first</link>
		<comments>http://keenerfinancial.com/pay-yourself-first#comments</comments>
		<pubDate>Mon, 13 Feb 2012 03:44:40 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[cash reserve]]></category>
		<category><![CDATA[Keller TX]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1780</guid>
		<description><![CDATA[For the past three years, I’ve taught the Junior Achievement personal finance course to one of Ms. Turner’s economics classes at Keller High School.  In the very first session each semester we talk about the concept of Pay Yourself First.  It’s an idea the high school seniors easily embrace as they plan their mock monthly [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/pay-yourself-first/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>January 2012 Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/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[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>
		<wfw:commentRss>http://keenerfinancial.com/january-2012-personal-finance-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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