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	<title>Atlanta Planning Guys &#187; Retirement Planning</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>
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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>Happy Holidays and Best Wishes in the New Year</title>
		<link>http://atlantaplanningguys.com/?p=1371</link>
		<comments>http://atlantaplanningguys.com/?p=1371#comments</comments>
		<pubDate>Mon, 27 Dec 2010 16:02:19 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[2011]]></category>
		<category><![CDATA[Blessings]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Grattitude]]></category>
		<category><![CDATA[holidays]]></category>
		<category><![CDATA[New Year]]></category>
		<category><![CDATA[Opportunity]]></category>
		<category><![CDATA[Reflections on 2010]]></category>
		<category><![CDATA[Retirement Planning]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1371</guid>
		<description><![CDATA[All of us at Chappell, Mayfield &#38; Associates are especially thankful for the opportunity to serve our clients.  2010 has been an amazing year full of challenges, victories and many blessings.
In May, I married the most wonderful woman in the world, Julie.  Cass celebrated the 1st of many birthdays for his beautiful daughter Olivia.  Our [...]]]></description>
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		<title>Top 5: Retirement Spending Misconceptions</title>
		<link>http://atlantaplanningguys.com/?p=1081</link>
		<comments>http://atlantaplanningguys.com/?p=1081#comments</comments>
		<pubDate>Mon, 19 Jul 2010 15:51:29 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Asset Allocation]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Fixed Income investing]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Retirement Withdrawals]]></category>
		<category><![CDATA[Safe Retirement withdrawals]]></category>
		<category><![CDATA[Stock]]></category>
		<category><![CDATA[sustainable withdrawal ratio]]></category>
		<category><![CDATA[sustainable withdrawals]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1081</guid>
		<description><![CDATA[When I meet with a prospective client for the first time one of my first questions of them is about retirement.  I am curious to know how they anticipate living off their nest egg.  It’s important not to “coach” them at this point.  I want them to tell me what they are thinking, not what [...]]]></description>
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		<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>
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		<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>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fill &#8216;er Up, Please!</title>
		<link>http://atlantaplanningguys.com/?p=75</link>
		<comments>http://atlantaplanningguys.com/?p=75#comments</comments>
		<pubDate>Mon, 27 Oct 2008 22:15:47 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[bear market]]></category>
		<category><![CDATA[discount]]></category>
		<category><![CDATA[gas prices]]></category>
		<category><![CDATA[investing for the long haul]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[stay the course]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[stocks on sale]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=75</guid>
		<description><![CDATA[Gas prices have been extremely high and unpredictable thus far in 2008.  Several weeks ago I was travelling home from work.  As I approached the gas station I pass nearly every day of my life, two things caught my eye.  First, they actually had gas.  Those of you that live in Atlanta certainly know of [...]]]></description>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=75</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Chasing Fool&#8217;s Gold</title>
		<link>http://atlantaplanningguys.com/?p=28</link>
		<comments>http://atlantaplanningguys.com/?p=28#comments</comments>
		<pubDate>Mon, 15 Sep 2008 14:57:31 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Olympics]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[stock market]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=28</guid>
		<description><![CDATA[                                                                                          
In the wake of the recent Olympic Games, I&#8217;m inclined to draw on the parallels between those fantastic events and the ‘not so fantastic&#8217; events that have unfolded in our economy lately.  Coincidently, this happens to be the time when Cass and I are sitting down with our clients to review their accounts and asses [...]]]></description>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=28</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Seven Things: Thanks George</title>
		<link>http://atlantaplanningguys.com/?p=11</link>
		<comments>http://atlantaplanningguys.com/?p=11#comments</comments>
		<pubDate>Wed, 30 Jul 2008 16:02:40 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Financial myths]]></category>
		<category><![CDATA[Financial Security]]></category>
		<category><![CDATA[Healthy Lifestyle]]></category>
		<category><![CDATA[Long Term Care]]></category>
		<category><![CDATA[Retirement Planning]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=11</guid>
		<description><![CDATA[Here are my list of seven common myths, rules and general thoughts that most likely need to be turned around and evaluated for their application in todays world:]]></description>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=11</wfw:commentRss>
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