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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>Financial Advice Quoted on Retirement Savings</title>
		<link>http://keenerfinancial.com/financial-advice-quoted-on-retirement-savings?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=financial-advice-quoted-on-retirement-savings</link>
		<comments>http://keenerfinancial.com/financial-advice-quoted-on-retirement-savings#comments</comments>
		<pubDate>Thu, 17 Mar 2011 13:03:07 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Jean's Advice in the News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1465</guid>
		<description><![CDATA[I recently had the opportunity to contribute to an article for Classical Singer magazine about the complexities of financial planning for musicians.  Greg Waxberg wrote the article called &#8220;Filling in the Financial Gaps&#8221; and brought together advice from many financial planners on issues with budgeting, retirement planning, health insurance and more.  
I shared a retirement savings [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>February Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/february-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=february-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/february-personal-finance-newsletter#comments</comments>
		<pubDate>Mon, 14 Feb 2011 17:52:26 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Insurance]]></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[cost basis]]></category>
		<category><![CDATA[health care law]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[market update]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[RMDs]]></category>
		<category><![CDATA[tax-free charitable contributions]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1445</guid>
		<description><![CDATA[The February personal finance newsletter is now available.  In addition to the investing market update, the topics are:

Extension of tax-free charitable contribution option from IRAs for those over 70 1/2
New cost basis reporting rules (important for those with taxable investment accounts)
Summary of the health care law provisions going into effect this year

Click here to read [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/february-personal-finance-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Social Security Workshop at Keller Public Library</title>
		<link>http://keenerfinancial.com/social-security-workshop-at-keller-public-library?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=social-security-workshop-at-keller-public-library</link>
		<comments>http://keenerfinancial.com/social-security-workshop-at-keller-public-library#comments</comments>
		<pubDate>Wed, 11 Aug 2010 14:23:27 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[Keller retirement planning]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1320</guid>
		<description><![CDATA[I am conducting a free workshop on social security planning strategies at the Keller Public Library on Tuesday, August 17 at 6:30 pm.  The session will cover what baby boomers need to know to maximize their retirement income.   Attendees will learn:

5 factors to consider when deciding when to apply for benefits
Why you should always check your earnings [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Should you pay off the mortgage?</title>
		<link>http://keenerfinancial.com/should-you-pay-off-the-mortgage?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=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, 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[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>
		</item>
		<item>
		<title>Keller Public Library Free Retirement Workshop</title>
		<link>http://keenerfinancial.com/keller-public-library-free-retirement-workshop?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=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, CFP, CRPC, CFDS</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>
		<wfw:commentRss>http://keenerfinancial.com/keller-public-library-free-retirement-workshop/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Non-Deductible IRA Contributions: Good Idea?</title>
		<link>http://keenerfinancial.com/non-deductible-ira-contributions-good-idea?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=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, CFP, CRPC, CFDS</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>
		</item>
		<item>
		<title>Getting the Most of Employer Matching</title>
		<link>http://keenerfinancial.com/getting-the-most-of-employer-matching?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=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, CFP, CRPC, CFDS</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>
		<wfw:commentRss>http://keenerfinancial.com/getting-the-most-of-employer-matching/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pension Max: Is it right for you?</title>
		<link>http://keenerfinancial.com/pension-max-is-it-right-for-you?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=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, CFP, CRPC, CFDS</dc:creator>
				<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>
		</item>
		<item>
		<title>Funding early retirement</title>
		<link>http://keenerfinancial.com/funding-early-retirement?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=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, CFP, CRPC, CFDS</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>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Partial Roth Conversion Strategy</title>
		<link>http://keenerfinancial.com/partial-roth-conversion-strategy?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=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, CFP, CRPC, CFDS</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>
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		<slash:comments>0</slash:comments>
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