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	<title>Atlanta Planning Guys &#187; SIMPLE IRA</title>
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	<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>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>
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		<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>

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		<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>“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>

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		<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>
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