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	<title>Atlanta Planning Guys &#187; sustainable withdrawal ratio</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>“Broke”- It Would Probably Happen to You, Too</title>
		<link>http://atlantaplanningguys.com/?p=1544</link>
		<comments>http://atlantaplanningguys.com/?p=1544#comments</comments>
		<pubDate>Mon, 04 Feb 2013 19:25:08 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Behavioral Finance]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[broke]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[sustainable withdrawal ratio]]></category>

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		<description><![CDATA[Summary: Athletes earn their money very quickly. Their careers don’t last very long. They are very young when they retire and have unusually long “distribution phases”. Since they usually don’t earn much after their playing days are over, they typically are in financial ruin very soon after retirement. Having all of the money at once [...]]]></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>Dashboard Dissected: Part 4- Distributions/Contributions</title>
		<link>http://atlantaplanningguys.com/?p=1057</link>
		<comments>http://atlantaplanningguys.com/?p=1057#comments</comments>
		<pubDate>Tue, 06 Jul 2010 16:39:28 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[Distribution strategy]]></category>
		<category><![CDATA[dollar-cost-averaging]]></category>
		<category><![CDATA[Portfolio distributions]]></category>
		<category><![CDATA[Retirement Distributions]]></category>
		<category><![CDATA[sustainable withdrawal ratio]]></category>
		<category><![CDATA[sustainable withdrawals]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1057</guid>
		<description><![CDATA[From time to time, our clients come to us with plans to make a big recreational purchase or inheritance checks that they want to deposit into their accounts. Understanding the impact that distributions/contributions can have on a portfolio’s overall performance is critical. Most statements that investors get in the mail only detail recent transactions. By [...]]]></description>
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		<title>Dashboard Dissected: Part 3- Asset Allocation</title>
		<link>http://atlantaplanningguys.com/?p=1048</link>
		<comments>http://atlantaplanningguys.com/?p=1048#comments</comments>
		<pubDate>Mon, 28 Jun 2010 15:33:55 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[alternative investments]]></category>
		<category><![CDATA[Asset Allocation]]></category>
		<category><![CDATA[Distribution strategy]]></category>
		<category><![CDATA[Diversification]]></category>
		<category><![CDATA[IRA distributions]]></category>
		<category><![CDATA[Outliving your money]]></category>
		<category><![CDATA[Portfolio distributions]]></category>
		<category><![CDATA[Safe Retirement withdrawals]]></category>
		<category><![CDATA[sustainable withdrawal ratio]]></category>
		<category><![CDATA[sustainable withdrawals]]></category>

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		<description><![CDATA[In keeping with the mindset that an Investment Dashboard should be a turnkey tool, providing all the relevant information pertinent to making sound decisions for a client’s portfolio, it only makes sense to include a page that clearly illustrates the Asset Allocation for all the client’s holdings.  The concept of diversification goes back to the [...]]]></description>
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		<title>“How Much is Enough?”</title>
		<link>http://atlantaplanningguys.com/?p=97</link>
		<comments>http://atlantaplanningguys.com/?p=97#comments</comments>
		<pubDate>Wed, 14 Jan 2009 15:33:36 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[2008]]></category>
		<category><![CDATA[investing for the long haul]]></category>
		<category><![CDATA[market history]]></category>
		<category><![CDATA[market swings]]></category>
		<category><![CDATA[nest egg]]></category>
		<category><![CDATA[Retirement Income]]></category>
		<category><![CDATA[retirement philosophy]]></category>
		<category><![CDATA[Retirement Withdrawals]]></category>
		<category><![CDATA[stock market investing]]></category>
		<category><![CDATA[sustainable withdrawal ratio]]></category>
		<category><![CDATA[William Bengen]]></category>
		<category><![CDATA[Year in Review]]></category>

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		<description><![CDATA[

As financial planners, we are frequently asked about “sustainable withdrawal ratios”, or in other words, “How much money do I need to retire?”

It seems as if there are as many articles and books written on the topic as there are people looking for the answer.  Our withdrawal philosophy has been molded via several sources, but [...]]]></description>
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