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	<title>Atlanta Planning Guys &#187; Roth 2010</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>To Roth, or Not to Roth</title>
		<link>http://atlantaplanningguys.com/?p=748</link>
		<comments>http://atlantaplanningguys.com/?p=748#comments</comments>
		<pubDate>Tue, 06 Apr 2010 15:00:11 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Roth IRAs]]></category>
		<category><![CDATA[future tax brackets]]></category>
		<category><![CDATA[Investor Fear]]></category>
		<category><![CDATA[IRA distributions]]></category>
		<category><![CDATA[opportunity cost of waiting]]></category>
		<category><![CDATA[Pay now or Pay later]]></category>
		<category><![CDATA[Roth 2010]]></category>
		<category><![CDATA[Roth contributions]]></category>
		<category><![CDATA[Roth conversion]]></category>
		<category><![CDATA[Roth Conversion Opportunity]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Roth IRA Conversion]]></category>
		<category><![CDATA[Roth opportunity]]></category>
		<category><![CDATA[side account]]></category>
		<category><![CDATA[Tax-free withdrawals]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=748</guid>
		<description><![CDATA[My official &#8220;stance&#8221; on the Roth Conversion opportunity
Executive Summary:
It’s at the bottom of this post. But, read the whole article…it’ll be more fun.

In a prior post, I showed how using funds WITHIN the IRA to pay taxes on the conversion does not provide a substantial advantage, even when the assumptions used are favorable to the [...]]]></description>
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		<title>Roth IRA Contributions &#8211; An Interesting &#8220;Work-Around&#8221; to the Income Limits</title>
		<link>http://atlantaplanningguys.com/?p=666</link>
		<comments>http://atlantaplanningguys.com/?p=666#comments</comments>
		<pubDate>Mon, 08 Mar 2010 16:34:34 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Roth IRAs]]></category>
		<category><![CDATA[AGI limit]]></category>
		<category><![CDATA[Convert Rollover IRAs]]></category>
		<category><![CDATA[high income earner]]></category>
		<category><![CDATA[Income Limits]]></category>
		<category><![CDATA[Non-deductible IRAs]]></category>
		<category><![CDATA[Roth "work-around" solution]]></category>
		<category><![CDATA[Roth 2010]]></category>
		<category><![CDATA[Roth contributions]]></category>
		<category><![CDATA[Roth conversion]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Roth IRA Conversion]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=666</guid>
		<description><![CDATA[[If you are an investor who makes more than the income limit for contributions to a Roth IRA - this MAY be for you!]
 
Many people have Roth IRA&#8217;s that they opened in the late 1990&#8217;s.  For some, they have been unable to contribute to their Roth IRA since then, due to income limits.  In 2009 [...]]]></description>
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		<title>Roth IRA Conversions &#8211; The Basic Example</title>
		<link>http://atlantaplanningguys.com/?p=642</link>
		<comments>http://atlantaplanningguys.com/?p=642#comments</comments>
		<pubDate>Fri, 05 Feb 2010 23:39:32 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Roth IRAs]]></category>
		<category><![CDATA[Roth 2010]]></category>
		<category><![CDATA[Roth conversion]]></category>
		<category><![CDATA[Roth conversion calculator]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Roth IRA Conversion]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=642</guid>
		<description><![CDATA[The decision to convert Traditional IRA funds (or a 401k) to a Roth IRA can be a difficult decision.  In many cases it involves the use of several assumptions.  Changing those assumptions can change the decision an investor may make.  Rather than attempt to develop a calculator that will &#8220;give us the answer&#8221;, let&#8217;s explore [...]]]></description>
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		<title>&#8220;It Just Doesn&#8217;t Feel Right&#8221;- Roth Conversion Calculators</title>
		<link>http://atlantaplanningguys.com/?p=628</link>
		<comments>http://atlantaplanningguys.com/?p=628#comments</comments>
		<pubDate>Mon, 25 Jan 2010 14:30:41 +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[Roth 2010]]></category>
		<category><![CDATA[Roth conversion]]></category>
		<category><![CDATA[Roth conversion calculator]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Roth IRA Conversion]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=628</guid>
		<description><![CDATA[Note from the author:  This is the first of many blogs dealing with the 2010 tax rule allowing anyone to convert traditional retirement funds into a Roth IRA.  The decision whether to convert is not an easy one.  There are many issues to consider.  Before I could write on the issues and factors surrounding this [...]]]></description>
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		</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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