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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; Investing</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>Interviewed by Wall Street Journal on keeping investing costs low</title>
		<link>http://keenerfinancial.com/interviewed-by-wall-street-journal-on-keeping-investing-costs-low</link>
		<comments>http://keenerfinancial.com/interviewed-by-wall-street-journal-on-keeping-investing-costs-low#comments</comments>
		<pubDate>Tue, 22 Jun 2010 18:19:56 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Media Coverage]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[investment costs]]></category>
		<category><![CDATA[Wall Street Journal]]></category>

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		<description><![CDATA[I was recently interviewed for the Wall Street Journal&#8217;s website about the importance of keeping investing costs low and how costs affect your long-term investment returns.  You can read the article at WSJ.com.
]]></description>
		<wfw:commentRss>http://keenerfinancial.com/interviewed-by-wall-street-journal-on-keeping-investing-costs-low/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Four Rules for Asset Allocation</title>
		<link>http://keenerfinancial.com/four-rules-for-asset-allocation</link>
		<comments>http://keenerfinancial.com/four-rules-for-asset-allocation#comments</comments>
		<pubDate>Tue, 25 May 2010 13:30:22 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[risk tolerance]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1292</guid>
		<description><![CDATA[As a special guest blog post, the Motley Fool staff has provided the following article on asset allocation.  It&#8217;s an excellent summary of some of the most important concepts of investing and asset allocation, and is definitely worth the read.  Enjoy!
By The Motley Fool
 When it comes to asset allocation, the biggest decisions come down to how [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>May 2010 Newsletter</title>
		<link>http://keenerfinancial.com/may-2010-newsletter</link>
		<comments>http://keenerfinancial.com/may-2010-newsletter#comments</comments>
		<pubDate>Mon, 10 May 2010 19:47:26 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[exchange traded funds]]></category>
		<category><![CDATA[high income issues]]></category>
		<category><![CDATA[market performance]]></category>
		<category><![CDATA[medicare tax]]></category>
		<category><![CDATA[Vanguard]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1276</guid>
		<description><![CDATA[The May 2010 newsletter is now available.  It includes investing information with perspective on last week&#8217;s market plunge and an update on the new reduced fees for trading Vanguard ETFs.  For taxes, there&#8217;s information on the new 3.8% medicare tax for high income individuals.  For cash flow, we cover using a Roth IRA as a back-up emergency [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/may-2010-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Keller Public Library Free Investing Workshop</title>
		<link>http://keenerfinancial.com/keller-public-library-free-investing-workshop</link>
		<comments>http://keenerfinancial.com/keller-public-library-free-investing-workshop#comments</comments>
		<pubDate>Wed, 21 Apr 2010 21:47:34 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[free investing class]]></category>
		<category><![CDATA[free investing information]]></category>
		<category><![CDATA[free investing workshop]]></category>
		<category><![CDATA[investment]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1246</guid>
		<description><![CDATA[Common Investing Mistakes and How to Avoid Them
Free Investing Workshop at Keller Public Library on Tuesday, May 18 at 6:30 pm. 
This workshop will cover the fundamentals of successful long-term, goals-based investing.  Effective investing doesn&#8217;t have to be complicated, but with so much information available, it can be difficult to tell fact from fiction.  This workshop will reveal common pitfalls and [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/keller-public-library-free-investing-workshop/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>April 2010 Monthly Newsletter</title>
		<link>http://keenerfinancial.com/april-2010-monthly-newsletter</link>
		<comments>http://keenerfinancial.com/april-2010-monthly-newsletter#comments</comments>
		<pubDate>Thu, 15 Apr 2010 16:54:39 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[dollar cost averaging investing]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[healthcare law]]></category>
		<category><![CDATA[investment market update]]></category>
		<category><![CDATA[lump sum investing]]></category>
		<category><![CDATA[student loan]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1240</guid>
		<description><![CDATA[The April 2010 monthly newsletter is now available.  It includes information on how the new healthcare law may affect you as an individual and new student loan and financial aid provisions.  Also covered are an investment market update and a discussion on the merits of dollar cost averaging to make investments vs. lump-sum investing.  Please click here to [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/april-2010-monthly-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Non-Deductible IRA Contributions: Good Idea?</title>
		<link>http://keenerfinancial.com/non-deductible-ira-contributions-good-idea</link>
		<comments>http://keenerfinancial.com/non-deductible-ira-contributions-good-idea#comments</comments>
		<pubDate>Thu, 25 Mar 2010 14:30:32 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[IRA contributions]]></category>
		<category><![CDATA[non-deductible IRA]]></category>
		<category><![CDATA[non-deductible IRA contributions]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[retirement saving]]></category>
		<category><![CDATA[Roth conversions]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1214</guid>
		<description><![CDATA[If your income is over the limit for deductible and Roth IRA contributions, you are faced with a dilemma each year: should you contribute to a non-deductible IRA?  Making a non-deductible contribution shouldn’t be an automatic decision.  It could be beneficial, or investing the same amount of money in a taxable account could be a [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/non-deductible-ira-contributions-good-idea/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>March 2010 Newsletter</title>
		<link>http://keenerfinancial.com/march-2010-newsletter</link>
		<comments>http://keenerfinancial.com/march-2010-newsletter#comments</comments>
		<pubDate>Tue, 09 Mar 2010 17:30:46 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<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 act]]></category>
		<category><![CDATA[early retirement]]></category>
		<category><![CDATA[home buyers credit]]></category>
		<category><![CDATA[retirement income]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1202</guid>
		<description><![CDATA[The March 2010 Newsletter is now available.  It includes an investment market update, Part II in my series on how to tap into your home equity in retirement, considerations in evaluating an early retirement offer, information on 2009 tax deduction for 2010 Haitian relief contributions, 2011 tax rate proposals found in the federal budget, credit card act [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/march-2010-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Partial Roth Conversion Strategy</title>
		<link>http://keenerfinancial.com/partial-roth-conversion-strategy</link>
		<comments>http://keenerfinancial.com/partial-roth-conversion-strategy#comments</comments>
		<pubDate>Tue, 13 Oct 2009 21:17:30 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2010 Roth Conversion]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Partial Roth Conversion]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[roth conversion strategies]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Roth IRA conversion]]></category>
		<category><![CDATA[roth segregation strategy]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1009</guid>
		<description><![CDATA[When people find out how much tax they would have to pay to convert their IRA from traditional to Roth, it’s often times a conversion show stopper.  Even if all the analysis shows that conversion would be clearly beneficial to their after-tax retirement income levels or provide estate planning benefits, there’s a gigantic psychological hurdle [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/partial-roth-conversion-strategy/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Couples, Investing, and Risk</title>
		<link>http://keenerfinancial.com/couples-investing-and-risk</link>
		<comments>http://keenerfinancial.com/couples-investing-and-risk#comments</comments>
		<pubDate>Tue, 21 Jul 2009 14:05:17 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[couples and money]]></category>
		<category><![CDATA[investing for couples]]></category>
		<category><![CDATA[money in relationships]]></category>
		<category><![CDATA[risk tolerance]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=782</guid>
		<description><![CDATA[It&#8217;s pretty common for spouses to be at different points on the risk tolerance spectrum.  If you&#8217;re one of these couples, you know that these differences can have varying effects on the relationship and your investing behavior. 
Sometimes, the more conservative spouse just completely delegates investing decisions to the other spouse and just shuts their eyes when [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/couples-investing-and-risk/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Free Financial Webinars</title>
		<link>http://keenerfinancial.com/free-financial-webinars</link>
		<comments>http://keenerfinancial.com/free-financial-webinars#comments</comments>
		<pubDate>Fri, 10 Jul 2009 11:53:54 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</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[Seminars & Events]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[financial education]]></category>
		<category><![CDATA[free financial education]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[kids & money]]></category>
		<category><![CDATA[kids and money]]></category>
		<category><![CDATA[money basics]]></category>
		<category><![CDATA[NAPFA]]></category>
		<category><![CDATA[National Association of Personal Financial Advisors]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=739</guid>
		<description><![CDATA[The National Association of Personal Financial Advisors is starting a new series of free webinars on various financial topics including Money 101, Kids &#38; Money, Investing Basics, Protecting What you Have, and more.  These sessions are designed to provide a convenient, accessible way to get financial information to help you most effectively manage your finances.   [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/free-financial-webinars/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
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