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	<title>Atlanta Planning Guys &#187; Roth IRA</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>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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		<title>Roth IRA vs. Traditional IRA</title>
		<link>http://atlantaplanningguys.com/?p=902</link>
		<comments>http://atlantaplanningguys.com/?p=902#comments</comments>
		<pubDate>Mon, 17 May 2010 17:19:21 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[Roth IRAs]]></category>
		<category><![CDATA[high income earner]]></category>
		<category><![CDATA[Income Limits]]></category>
		<category><![CDATA[IRA contribution limits]]></category>
		<category><![CDATA[IRA contributions]]></category>
		<category><![CDATA[IRA Rollovers]]></category>
		<category><![CDATA[IRA types]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[tax-deductible contributions]]></category>
		<category><![CDATA[Traditional IRA]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=902</guid>
		<description><![CDATA[The biggest difference between the two types of accounts has to do with taxation.
For the purposes of this discussion, and in all blog entries on our site, the term “Traditional IRA” also includes rollovers from 401(k)’s and other corporate retirement plans.
This is a simple chart meant to compare the key difference between the two types [...]]]></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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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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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		<slash:comments>0</slash:comments>
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		<item>
		<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>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=628</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>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>
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