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	<title>Atlanta Planning Guys &#187; sustainable withdrawals</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: 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>

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		<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>

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		<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>Long Term Care Insurance &#8211; When Should I Buy It?</title>
		<link>http://atlantaplanningguys.com/?p=281</link>
		<comments>http://atlantaplanningguys.com/?p=281#comments</comments>
		<pubDate>Mon, 18 May 2009 14:52:38 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Long Term Care Insurance]]></category>
		<category><![CDATA[disability insurance]]></category>
		<category><![CDATA[elder care]]></category>
		<category><![CDATA[financial situation]]></category>
		<category><![CDATA[home health care]]></category>
		<category><![CDATA[insurability]]></category>
		<category><![CDATA[Long Term Care]]></category>
		<category><![CDATA[long term care expense]]></category>
		<category><![CDATA[nest egg]]></category>
		<category><![CDATA[sustainable withdrawals]]></category>

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		<description><![CDATA[
 
 
 
 
One could ask this question of several different people and get several different answers. 
 
Insurance agent: &#8220;Now.  You can potentially lock in the rate and you don&#8217;t have to worry about whether you will be insurable in the future.  Something could happen to you today that might render you in need of long term care for [...]]]></description>
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