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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; retirement 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>Should you pay off the mortgage?</title>
		<link>http://keenerfinancial.com/should-you-pay-off-the-mortgage</link>
		<comments>http://keenerfinancial.com/should-you-pay-off-the-mortgage#comments</comments>
		<pubDate>Tue, 18 May 2010 20:32:24 +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[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage pay-off]]></category>
		<category><![CDATA[pay off the house]]></category>
		<category><![CDATA[retirement decisions]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1284</guid>
		<description><![CDATA[One of the best financially freeing moments in life is the day you compare your savings and mortgage principal balances and realize that you could pay off your mortgage if you wanted to.  If you’re at that point, congratulations!  If you’re not there yet, keep saving; it can come sooner than you think.
Of course, immediately [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Keller Public Library Free Retirement Workshop</title>
		<link>http://keenerfinancial.com/keller-public-library-free-retirement-workshop</link>
		<comments>http://keenerfinancial.com/keller-public-library-free-retirement-workshop#comments</comments>
		<pubDate>Mon, 29 Mar 2010 21:31:14 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Keller financial planning]]></category>
		<category><![CDATA[Keller retirement planning]]></category>
		<category><![CDATA[Keller retirement workshop]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1228</guid>
		<description><![CDATA[Your Retirement Savings Game Plan
Free Workshop at Keller Public Library on Tuesday, April 20 at 6:30 pm. 
Designed for individuals and couples who are pre-retirement, we will cover how much you need to save for retirement and the best types of accounts to use for different situations for investment options and tax efficiency. We will also go [...]]]></description>
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		<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>
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		<slash:comments>0</slash:comments>
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		<title>Getting the Most of Employer Matching</title>
		<link>http://keenerfinancial.com/getting-the-most-of-employer-matching</link>
		<comments>http://keenerfinancial.com/getting-the-most-of-employer-matching#comments</comments>
		<pubDate>Tue, 19 Jan 2010 15:00:15 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[401(k) advice]]></category>
		<category><![CDATA[planning for retirement]]></category>
		<category><![CDATA[retirement financial planning]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[retirement plans]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1124</guid>
		<description><![CDATA[
 Many employers have reduced or eliminated matching in the past several years.  If you’re fortunate enough to still have a match, you want to take full advantage of this potentially significant boost to your retirement plans.   Every dollar your employer contributes toward your retirement is a dollar you don&#8217;t have to.
To make the most of [...]]]></description>
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		<title>Pension Max: Is it right for you?</title>
		<link>http://keenerfinancial.com/pension-max-is-it-right-for-you</link>
		<comments>http://keenerfinancial.com/pension-max-is-it-right-for-you#comments</comments>
		<pubDate>Tue, 15 Dec 2009 16:48:05 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[pension benefit]]></category>
		<category><![CDATA[pension election]]></category>
		<category><![CDATA[pension max]]></category>
		<category><![CDATA[pension max strategy]]></category>
		<category><![CDATA[retirement income]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1101</guid>
		<description><![CDATA[If you’re near retirement and have a pension, you may be considering a pension max strategy.  With all the variables involved, it can be challenging to determine if it’s really in your best interest. 
 First – what is pension max?  
 Pension max is used by married couples to increase their net retirement income while still protecting [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Funding early retirement</title>
		<link>http://keenerfinancial.com/funding-early-retirement</link>
		<comments>http://keenerfinancial.com/funding-early-retirement#comments</comments>
		<pubDate>Mon, 26 Oct 2009 08:00:17 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[401(k)]]></category>
		<category><![CDATA[55 and separation from service]]></category>
		<category><![CDATA[72(t)]]></category>
		<category><![CDATA[early retirement]]></category>
		<category><![CDATA[retirement income]]></category>
		<category><![CDATA[retirement plan distributions]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[substantially equal payments]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1033</guid>
		<description><![CDATA[Most are familiar with the magic ages of 59 ½ when you can start withdrawing from retirement savings without paying the 10% IRS penalty and 62 when you can start taking social security.  But sometimes retirement comes before these ages either voluntarily or involuntarily, and you may need income.  In those situations, many are not [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/funding-early-retirement/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<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>
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		<title>Who should consider Roth conversion</title>
		<link>http://keenerfinancial.com/who-should-consider-roth-conversion</link>
		<comments>http://keenerfinancial.com/who-should-consider-roth-conversion#comments</comments>
		<pubDate>Fri, 18 Sep 2009 16:01:32 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2010 Roth Conversion]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[retirement income]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Roth IRA conversion]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=956</guid>
		<description><![CDATA[Given the historic opportunity of 2010 to spread the tax payment over 2 years in 2011 and 2012, everyone with a traditional IRA should take at least one look at Roth IRA conversion for next year.
It is most beneficial to you when all of these apply:

You&#8217;ll pay the resulting &#8220;conversion&#8221; tax with non-IRA funds
You have [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/who-should-consider-roth-conversion/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>Roth IRA Conversion Overview</title>
		<link>http://keenerfinancial.com/roth-ira-conversion-overview</link>
		<comments>http://keenerfinancial.com/roth-ira-conversion-overview#comments</comments>
		<pubDate>Mon, 14 Sep 2009 20:07:16 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[2010 Roth Conversion]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Roth IRA conversion]]></category>
		<category><![CDATA[Roth IRA video]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=937</guid>
		<description><![CDATA[Through 2009, converting an IRA from a traditional IRA to Roth is only available for those with household incomes under $100,000.  Beginning next year, that changes.  However, a lot of people aren&#8217;t aware of the upcoming changes &#8212; according to Financial Planning magazine, only 42% of advisor clients were aware of the new Roth IRA conversion [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/roth-ira-conversion-overview/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Early Retirees &amp; Health Insurance</title>
		<link>http://keenerfinancial.com/early-retirees-health-insurance</link>
		<comments>http://keenerfinancial.com/early-retirees-health-insurance#comments</comments>
		<pubDate>Fri, 17 Jul 2009 18:02:00 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[COBRA]]></category>
		<category><![CDATA[early retirement]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[NE Tarrant County insurance rates]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Texas high risk insurance pool]]></category>
		<category><![CDATA[Texas retirement planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=771</guid>
		<description><![CDATA[Thinking about retiring early? As part of the decision, you&#8217;ve got to calculate whether you&#8217;ll have enough retirement income to meet your needs. While adding up the costs of customary living expenses, utilities, and an occasional vacation, don&#8217;t forget to include another important retirement expense: health insurance.
We&#8217;re living longer and health-care costs are surging. Unless [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/early-retirees-health-insurance/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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