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	<title>Atlanta Planning Guys &#187; 401k</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>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>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=1498</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=1379</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Got Employer Stock?</title>
		<link>http://atlantaplanningguys.com/?p=1308</link>
		<comments>http://atlantaplanningguys.com/?p=1308#comments</comments>
		<pubDate>Mon, 29 Nov 2010 18:41:01 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[company stock]]></category>
		<category><![CDATA[employer stock]]></category>
		<category><![CDATA[net unrealized appreciation]]></category>
		<category><![CDATA[NUA]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1308</guid>
		<description><![CDATA[How to take advantage of Net Unrealized Appreciation (NUA) in a 401(k)
Employer stock inside a 401(k), or other tax-deferred employer sponsored retirement plan, is quite common for employees of large publicly held corporations.  Unfortunately, another common trend among several American corporations in the last several years has been significant layoffs. But before former employers attempt [...]]]></description>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=1308</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Top 5 &#8211; 401k blunders</title>
		<link>http://atlantaplanningguys.com/?p=1067</link>
		<comments>http://atlantaplanningguys.com/?p=1067#comments</comments>
		<pubDate>Mon, 12 Jul 2010 16:15:51 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[401(k) match]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[401k mistakes]]></category>
		<category><![CDATA[403(b)]]></category>
		<category><![CDATA[active investing]]></category>
		<category><![CDATA[Contributing to a 401(k)]]></category>
		<category><![CDATA[Diversified Portfolio]]></category>
		<category><![CDATA[dollar-cost-averaging]]></category>
		<category><![CDATA[Matching contributions]]></category>
		<category><![CDATA[passive investing]]></category>
		<category><![CDATA[Performance Chasing]]></category>
		<category><![CDATA[Qualified Retirement Plans]]></category>
		<category><![CDATA[Retirement Contributions]]></category>
		<category><![CDATA[Retirement plans]]></category>
		<category><![CDATA[self-directed plans]]></category>
		<category><![CDATA[SEP contributions]]></category>
		<category><![CDATA[SIMPLE IRA]]></category>
		<category><![CDATA[tax-deductible contributions]]></category>
		<category><![CDATA[Tax-deferred investments]]></category>
		<category><![CDATA[Top 5 lists]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1067</guid>
		<description><![CDATA[When we meet with a client for the first time, the conversation quickly drifts to their employer’s retirement plan.  The most common of these is the participant-directed Traditional 401(k), a qualified retirement savings plan that allows employees to regularly contribute to the account while deferring current income taxes on the saved money and the earnings [...]]]></description>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=1067</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Jumpstart 2010</title>
		<link>http://atlantaplanningguys.com/?p=595</link>
		<comments>http://atlantaplanningguys.com/?p=595#comments</comments>
		<pubDate>Mon, 04 Jan 2010 16:47:50 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[books & records]]></category>
		<category><![CDATA[Contributing to a 401(k)]]></category>
		<category><![CDATA[Flexible Spending Accounts]]></category>
		<category><![CDATA[FSA]]></category>
		<category><![CDATA[Health savings accounts]]></category>
		<category><![CDATA[HSA]]></category>
		<category><![CDATA[income tax deductions]]></category>
		<category><![CDATA[Organization]]></category>
		<category><![CDATA[Roth 2010]]></category>
		<category><![CDATA[Roth conversion]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[tax planning]]></category>
		<category><![CDATA[Tax strategies]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=595</guid>
		<description><![CDATA[Happy New Year to everyone!  As we are busy hanging up our new calendars, let&#8217;s take a moment to cover some basic &#8216;early year&#8217; strategies and action steps that can get things started off on the right foot.
 
 Important Documents:  The tax man will be here before you know it.  Go ahead and pull out all [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Addicted to&#8230;</title>
		<link>http://atlantaplanningguys.com/?p=542</link>
		<comments>http://atlantaplanningguys.com/?p=542#comments</comments>
		<pubDate>Mon, 07 Dec 2009 17:51:13 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[Addiction]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[caffeine]]></category>
		<category><![CDATA[chocolate]]></category>
		<category><![CDATA[coffee]]></category>
		<category><![CDATA[gambling]]></category>
		<category><![CDATA[Healthy Lifestyle]]></category>
		<category><![CDATA[impulse purchases]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[obsession]]></category>
		<category><![CDATA[online access]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[Spontaneity]]></category>
		<category><![CDATA[stress]]></category>
		<category><![CDATA[tobacco]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[vacation]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=542</guid>
		<description><![CDATA[Not since the sultry sounds of Robert Palmer in 1986 has the term &#8216;Addicted&#8217; been associated with much of anything positive.  It seems the term always carries a negative connotation and for good reason.  Addiction implies an unhealthy level of desire for something.  We can further that label by the common thread that addictions are typically [...]]]></description>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=542</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>“Max out” your 401(k)……just don’t do it too quickly</title>
		<link>http://atlantaplanningguys.com/?p=399</link>
		<comments>http://atlantaplanningguys.com/?p=399#comments</comments>
		<pubDate>Mon, 05 Oct 2009 20:20:39 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[2009 maximum contribution]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[company match]]></category>
		<category><![CDATA[employer match]]></category>
		<category><![CDATA[optimal contribution]]></category>
		<category><![CDATA[salary deferral]]></category>
		<category><![CDATA[SIMPLE IRA]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=399</guid>
		<description><![CDATA[ I find myself giving clients this piece of advice more than any other recommendation I make:
&#8220;Contribute to your retirement plan&#8230;as much as you can afford&#8221;.


There is a caveat to that statement, however.  If your company offers a match, and you are going to be contributing the maximum amount allowed to your plan, don&#8217;t &#8220;max it [...]]]></description>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=399</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>From Chasing Gold to Chasing Your Tail</title>
		<link>http://atlantaplanningguys.com/?p=291</link>
		<comments>http://atlantaplanningguys.com/?p=291#comments</comments>
		<pubDate>Mon, 15 Jun 2009 15:37:47 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[emerging market fund]]></category>
		<category><![CDATA[hot mutual fund]]></category>
		<category><![CDATA[invest for the long term]]></category>
		<category><![CDATA[investing philosophy]]></category>
		<category><![CDATA[market up since March]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[Performance Chasing]]></category>
		<category><![CDATA[ride the rally]]></category>
		<category><![CDATA[stay the course]]></category>
		<category><![CDATA[stock market fluctuation]]></category>
		<category><![CDATA[stock market investing]]></category>
		<category><![CDATA[stock market rally]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=291</guid>
		<description><![CDATA[The recent months in the equities market have seen some pretty serious returns.  Are we over this slump?  Is the future going to be bright from here on?  If you know Cass and me, you know that our philosophy on the market is reasonably consistent whether up or down.  Our mantra is to develop a [...]]]></description>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=291</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Corporate Cuts: Don&#8217;t be &#8220;Double-Dumb&#8221;</title>
		<link>http://atlantaplanningguys.com/?p=204</link>
		<comments>http://atlantaplanningguys.com/?p=204#comments</comments>
		<pubDate>Mon, 30 Mar 2009 23:54:03 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[401(k) match]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[all in cash]]></category>
		<category><![CDATA[bailing out]]></category>
		<category><![CDATA[corporate cutbacks]]></category>
		<category><![CDATA[declining market]]></category>
		<category><![CDATA[Diversification]]></category>
		<category><![CDATA[dollar-cost-averaging]]></category>
		<category><![CDATA[fear and greed]]></category>
		<category><![CDATA[invest for the long term]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Retirement Plan]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[securities]]></category>
		<category><![CDATA[sideways market]]></category>
		<category><![CDATA[Time in the market]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=204</guid>
		<description><![CDATA[I got the &#8220;double dumb&#8221; phrase from one of my earliest career mentors, Bill Lohnes.  Bill was the managing director with the company Cass and I worked with before starting our own firm.  Bill used the term &#8220;double dumb&#8221; quite a bit in the year 2000.  In many cases, he was referring to clients making [...]]]></description>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=204</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Roth IRA Conversions</title>
		<link>http://atlantaplanningguys.com/?p=169</link>
		<comments>http://atlantaplanningguys.com/?p=169#comments</comments>
		<pubDate>Thu, 05 Mar 2009 17:42:22 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Roth IRAs]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[Conversion]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[IRA conversion]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Roth conversion]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[stock market investing]]></category>
		<category><![CDATA[tax deductible]]></category>
		<category><![CDATA[tax planning]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=169</guid>
		<description><![CDATA[ 


I have been searching for ANY silver lining to the current stormy clouds that almost all investors have been weathering.
2010 should be an exciting year for investors who are still saving for retirement (and even those who may have to start saving again!).
The posting below was originally sent to our clients in mid-2007 &#8211; well [...]]]></description>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=169</wfw:commentRss>
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