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	<title>Atlanta Planning Guys</title>
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	<link>http://atlantaplanningguys.com</link>
	<description>Atlanta Planning Guys is an informal blog  in which CERTIFIED FINANCIAL PLANNER™ professional, Cass Chappell , of Chappell Financial Group,  shares his ideas and opinions with the general public.</description>
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		<title>Dow Jones Closes At All Time High</title>
		<link>http://atlantaplanningguys.com/?p=1573</link>
		<comments>http://atlantaplanningguys.com/?p=1573#comments</comments>
		<pubDate>Wed, 06 Mar 2013 21:38:52 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Behavioral Finance]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Diversification]]></category>
		<category><![CDATA[Dow Jones]]></category>
		<category><![CDATA[Long Term Investing]]></category>
		<category><![CDATA[Market Volatility]]></category>

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		<description><![CDATA[As you have probably heard, the Dow Jones Industrial Average closed at an all-time high yesterday (14,253.77).  The previous high was achieved way back on October 9th, 2007 (14,164.53).  If you had somehow been on a tropical island with no access to TV, newspapers, or the internet during that time you would have missed a [...]]]></description>
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		<title>“Broke”- It Would Probably Happen to You, Too</title>
		<link>http://atlantaplanningguys.com/?p=1544</link>
		<comments>http://atlantaplanningguys.com/?p=1544#comments</comments>
		<pubDate>Mon, 04 Feb 2013 19:25:08 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Behavioral Finance]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[broke]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[sustainable withdrawal ratio]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1544</guid>
		<description><![CDATA[Summary: Athletes earn their money very quickly. Their careers don’t last very long. They are very young when they retire and have unusually long “distribution phases”. Since they usually don’t earn much after their playing days are over, they typically are in financial ruin very soon after retirement. Having all of the money at once [...]]]></description>
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		<title>Disclaimer</title>
		<link>http://atlantaplanningguys.com/?p=1527</link>
		<comments>http://atlantaplanningguys.com/?p=1527#comments</comments>
		<pubDate>Tue, 12 Jun 2012 17:34:31 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1527</guid>
		<description><![CDATA[Effective January 1, 2012, the following articles are historical and based on information that was current at the time of initial print. They contain information that has changed. Staff and business names may have changed. We now offer financial planning through Chappell Financial Group, A Registered Investment Advisor and separate entity from LPL Financial.
]]></description>
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		<title>Financial Tips for Recent College Grads</title>
		<link>http://atlantaplanningguys.com/?p=1498</link>
		<comments>http://atlantaplanningguys.com/?p=1498#comments</comments>
		<pubDate>Thu, 09 Jun 2011 13:29:55 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[Contributing to a 401(k)]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[investing fundamentals]]></category>
		<category><![CDATA[investing philosophy]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1498</guid>
		<description><![CDATA[Fox 5 Atlanta asked us for some tips that parents could give their recent college graduate children about finance, spending, and saving (see the clip here).  Here are my top five, though there are certainly many others:

Contribute at least as much as the employer match to your 401(k)
This is a “no brainer.”  The employer match [...]]]></description>
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		<title>&#8220;How Much Long Term Care Insurance Do I Need?&#8221;</title>
		<link>http://atlantaplanningguys.com/?p=1460</link>
		<comments>http://atlantaplanningguys.com/?p=1460#comments</comments>
		<pubDate>Tue, 01 Mar 2011 14:24:45 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Long Term Care Insurance]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Daily Benefit]]></category>
		<category><![CDATA[nest egg]]></category>
		<category><![CDATA[Retirement Planning]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1460</guid>
		<description><![CDATA[ 
 
Summary
• The ultimate goal of purchasing a long term care insurance policy is to guard against spending more than your nest egg will allow, thus protecting your, and your family’s, assets.
• Buy an insurance amount equal to the increased spending that may result from the incapacitation NOT the full amount of the cost of the incapacitation.
• It is [...]]]></description>
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		<title>Separately Managed Accounts (SMAs)</title>
		<link>http://atlantaplanningguys.com/?p=1440</link>
		<comments>http://atlantaplanningguys.com/?p=1440#comments</comments>
		<pubDate>Tue, 08 Feb 2011 17:57:54 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA["highest conviction" stocks]]></category>
		<category><![CDATA[investment fees]]></category>
		<category><![CDATA[investment taxation]]></category>
		<category><![CDATA[Separately Managed Accounts]]></category>
		<category><![CDATA[SMAs]]></category>
		<category><![CDATA[tax loss harvesting]]></category>
		<category><![CDATA[transparent fee structure]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1440</guid>
		<description><![CDATA[.
It’s time to see if they are right for you
3 Reasons to Consider SMAs
 Executive Summary:
Once an investment vehicle for large institutions or the ultra wealthy, separately managed accounts (SMAs) are now commonly available for as little as $100,000. Separately managed accounts offer investors three potential advantages:


Cost structure which is transparent and usually allows for a [...]]]></description>
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		<title>Monthly Accrual</title>
		<link>http://atlantaplanningguys.com/?p=1416</link>
		<comments>http://atlantaplanningguys.com/?p=1416#comments</comments>
		<pubDate>Mon, 24 Jan 2011 17:31:34 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Accrual]]></category>
		<category><![CDATA[budget tips]]></category>
		<category><![CDATA[goal-setting]]></category>
		<category><![CDATA[large purchases]]></category>
		<category><![CDATA[luxury car]]></category>
		<category><![CDATA[monthly accrual]]></category>
		<category><![CDATA[planning ahead]]></category>
		<category><![CDATA[salary deferral]]></category>
		<category><![CDATA[save up for big expenses]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[systematic savings]]></category>
		<category><![CDATA[Vacations]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1416</guid>
		<description><![CDATA[Your accountant does it.  Your mortgage company does it.  Why shouldn’t you take advantage of setting up a monthly accrual system to save for your annual expenses? Even just a little bit truly does add up over time, eventually becoming a sizable amount that can bring some relief when paying for larger expenses.  In a [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Watch out for Fees: Time to read the Fine Print</title>
		<link>http://atlantaplanningguys.com/?p=1407</link>
		<comments>http://atlantaplanningguys.com/?p=1407#comments</comments>
		<pubDate>Tue, 18 Jan 2011 18:54:29 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[ATM fees]]></category>
		<category><![CDATA[avoid junk fees]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[bank revenue]]></category>
		<category><![CDATA[be smart about saving]]></category>
		<category><![CDATA[Direct Deposit]]></category>
		<category><![CDATA[fine print]]></category>
		<category><![CDATA[inactivity fee]]></category>
		<category><![CDATA[interchange fees]]></category>
		<category><![CDATA[Saving Money]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1407</guid>
		<description><![CDATA[Whether you’re checking luggage or accumulating travel miles, chances are you have seen an increase to your fees in recent years.  As a financial planner, it’s old hat to educate clients on the fees associated with various credit cards.  For years, credit companies have lured in would-be cardholders with promises of points, cash back, and [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Right Stuff</title>
		<link>http://atlantaplanningguys.com/?p=1396</link>
		<comments>http://atlantaplanningguys.com/?p=1396#comments</comments>
		<pubDate>Fri, 14 Jan 2011 17:13:46 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[cabin fever]]></category>
		<category><![CDATA[ice-storm]]></category>
		<category><![CDATA[snow]]></category>
		<category><![CDATA[Storm preparation]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1396</guid>
		<description><![CDATA[

Being cooped up in the house for a few days this past week got me thinking.  How does one adequately prepare for lots of snow and ice?  The south is especially vulnerable to the crippling effects that inclement weather can have simply due to how seldom we get it.  In times of anxiety and feverish preparation [...]]]></description>
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		<title>A Smart Start to the New Year</title>
		<link>http://atlantaplanningguys.com/?p=1379</link>
		<comments>http://atlantaplanningguys.com/?p=1379#comments</comments>
		<pubDate>Mon, 03 Jan 2011 19:34:53 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[401k mistakes]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[IRA contributions]]></category>
		<category><![CDATA[New Year's Resolutions]]></category>
		<category><![CDATA[Organization]]></category>
		<category><![CDATA[reallocation]]></category>
		<category><![CDATA[Retirement plans]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[systematic savings]]></category>
		<category><![CDATA[tax filing]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1379</guid>
		<description><![CDATA[A very Happy New Year to all of our clients, partners, friends and readers!  Hopefully the holiday season went off without a hitch.  After the champagne glasses and party hats have been put away, we like to help investors take a look at a few things that they can do now to get 2011 started [...]]]></description>
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