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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; Roth IRA</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>Quoted on BankRate about Roth IRAs and emergency funds</title>
		<link>http://keenerfinancial.com/quoted-on-bankrate-about-roth-iras-and-emergency-funds?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=quoted-on-bankrate-about-roth-iras-and-emergency-funds</link>
		<comments>http://keenerfinancial.com/quoted-on-bankrate-about-roth-iras-and-emergency-funds#comments</comments>
		<pubDate>Fri, 30 Apr 2010 16:22:16 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Jean's Advice in the News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[saving for retirement]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1250</guid>
		<description><![CDATA[When you&#8217;re juggling creating an emergency fund and saving for retirement, it&#8217;s important to be aware of your options.   BankRate.com reporter Teri Cettina recently interviewed me about using a Roth IRA as a back-up to your primary emergency fund.  A Roth IRA should not be your primary emergency fund, but it can provide a useful supplement  that [...]]]></description>
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		<title>Quoted in Dallas Morning News on 2010 Roth conversions</title>
		<link>http://keenerfinancial.com/quoted-in-dallas-morning-news-on-2010-roth-conversions?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=quoted-in-dallas-morning-news-on-2010-roth-conversions</link>
		<comments>http://keenerfinancial.com/quoted-in-dallas-morning-news-on-2010-roth-conversions#comments</comments>
		<pubDate>Mon, 26 Oct 2009 01:10:04 +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[2010 Roth Conversion]]></category>
		<category><![CDATA[2010 Roth IRA conversions]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Roth IRA conversion]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1039</guid>
		<description><![CDATA[I had the opportunity to talk with Pamela Yip, personal finance columnist at the Dallas Morning News, a couple weeks back about 2010 Roth IRA conversions.  Her article provides a good synopsis of the changes for 2010, and quotes me on when conversion makes the most sense.  Click here to read the article.
]]></description>
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		<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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		<item>
		<title>October 2009 Newsletter</title>
		<link>http://keenerfinancial.com/october-monthly-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=october-monthly-newsletter</link>
		<comments>http://keenerfinancial.com/october-monthly-newsletter#comments</comments>
		<pubDate>Fri, 02 Oct 2009 13:00:25 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2008 Roth recharacterization]]></category>
		<category><![CDATA[calculating net worth]]></category>
		<category><![CDATA[D-FW free financial seminars]]></category>
		<category><![CDATA[financial planning week]]></category>
		<category><![CDATA[free financial seminars]]></category>
		<category><![CDATA[important financial number]]></category>
		<category><![CDATA[net worth]]></category>
		<category><![CDATA[recharacterization deadline]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[tracking financial progress]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=990</guid>
		<description><![CDATA[The October newsletter is now available.  It includes a reminder about the October 15 deadline to recharacterize 2008 Roth IRA conversions, a market update, how to calculate your net worth and why net worth is the financial number to watch, and more.  To read the newsletter, click here.
]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Who should consider Roth conversion</title>
		<link>http://keenerfinancial.com/who-should-consider-roth-conversion?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=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, CFP, CRPC, CFDS</dc:creator>
				<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>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>Roth IRA Conversion Overview</title>
		<link>http://keenerfinancial.com/roth-ira-conversion-overview?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=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, CFP, CRPC, CFDS</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>
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		<slash:comments>2</slash:comments>
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