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	<title>Atlanta Planning Guys &#187; Contributing to a 401(k)</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>

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		<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>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>
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		<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>

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		<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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		<title>&#8220;Not so fast, my friends&#8221;</title>
		<link>http://atlantaplanningguys.com/?p=68</link>
		<comments>http://atlantaplanningguys.com/?p=68#comments</comments>
		<pubDate>Mon, 17 Nov 2008 15:08:16 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[Contributing to a 401(k)]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Matching contributions]]></category>
		<category><![CDATA[max out]]></category>
		<category><![CDATA[stock market]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=68</guid>
		<description><![CDATA[&#8220;What can I do to capitalize on the current market downturn?&#8221;
A frequent recommendation, which affects most of our clients, is to consider increasing retirement contributions.  If you can afford to increase your salary deferrals into your company&#8217;s retirement plan, it may be a great opportunity for you to &#8220;max out&#8221; your plan. 
But, be careful&#8230;..
Several times [...]]]></description>
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