<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0" xmlns:media="http://search.yahoo.com/mrss/" xmlns:post="http://www.twentyoverten.com"><channel><title><![CDATA[Full Circle Financial]]></title><description><![CDATA[How to file taxes? What is a 401k? Roth or Traditional? Our online client resource library has articles to help you with all this and more. If you can't find an answer here, our financial advisors and specialists are on standby to help. ]]></description><link>https://makesmartdecisions.com</link><generator>RSS for Node</generator><lastBuildDate>Fri, 24 Jul 2026 22:12:19 GMT</lastBuildDate><atom:link href="https://makesmartdecisions.com/client-library-pages/feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[You've Been Told Owning a Home Is Better (Financially) Than Renting. But Is That True For Everybody?]]></title><description><![CDATA[Buying a home is one of the biggest financial decisions that you will make in adulthood and for many people, this may be seen as a part of the “American Dream.” While it can feel good to own something rather than rent, it’s not for everybody and can come with costs and limitations.]]></description><link>https://makesmartdecisions.com/client-library-pages/youve-been-told-owning-a-home-is-better-financially-than-renting-but-is-that-true-for-everybody</link><guid isPermaLink="false">6047cfb5f73d243ed0e4cb42</guid><category><![CDATA[Insights]]></category><category><![CDATA[Estate]]></category><category><![CDATA[Tax]]></category><category><![CDATA[Money]]></category><pubDate>Tue, 09 Mar 2021 05:49:27 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/s6xMcYi6hB/feature_youve_been_told_owning-_a_home_is_better_financially_than_renting_but_is_that_true_for_everybody.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insights" slug="insights" name="Insights"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/tax" slug="tax" name="Tax"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/money" slug="money" name="Money"/></item><item><title><![CDATA[Secure Act 2020: How if affects you]]></title><description><![CDATA[This infographic provides an overview of notable changes to the SECURE act. It is not intended to encompass all 2020 changes to, or the entirety of the SECURE act. Consult your Advisor for additional information and resources. ]]></description><link>https://makesmartdecisions.com/client-library-pages/secure-act-2020-how-if-affects-you</link><guid isPermaLink="false">5e556ff4e94a6a619b888c7a</guid><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Estate]]></category><pubDate>Tue, 25 Feb 2020 08:58:31 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/_izCAqk1n/2-25-IG-Secure-Act-07.png"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/></item><item><title><![CDATA[WHY YOU NEED AN ESTATE STRATEGY]]></title><link>https://makesmartdecisions.com/client-library-pages/why-you-need-an-estate-strategy</link><guid isPermaLink="false">5c8a7653dfb2a3158c9070b3</guid><category><![CDATA[Estate]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 15:42:20 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[WHEN HEIRS ARE IMPERFECT]]></title><link>https://makesmartdecisions.com/client-library-pages/when-heirs-are-imperfect</link><guid isPermaLink="false">5c8a7631dfb2a3158c9070b2</guid><category><![CDATA[Estate]]></category><pubDate>Thu, 14 Mar 2019 15:41:51 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/></item><item><title><![CDATA[FOUR STEPS TO VALUING AN ESTATE]]></title><link>https://makesmartdecisions.com/client-library-pages/four-steps-to-valuing-an-estate</link><guid isPermaLink="false">5c8a760fdfb2a3158c9070b1</guid><category><![CDATA[Estate]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 15:41:15 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[FOUR REASONS MILLENNIALS NEED AN ESTATE STRATEGY]]></title><link>https://makesmartdecisions.com/client-library-pages/four-reasons-millennials-need-an-estate-strategy</link><guid isPermaLink="false">5c8a75ec4fd4df7be0e12a41</guid><category><![CDATA[Insights]]></category><category><![CDATA[Estate]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 15:40:37 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insights" slug="insights" name="Insights"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[YOURS, MINE AND OURS: ESTATE STRATEGIES FOR SECOND MARRIAGES]]></title><link>https://makesmartdecisions.com/client-library-pages/yours-mine-and-ours-estate-strategies-for-second-marriages</link><guid isPermaLink="false">5c8a75914fd4df7be0e12a40</guid><category><![CDATA[Lifestyle]]></category><category><![CDATA[Estate]]></category><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:40:14 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[TIPS FOR FINDING CARE FOR YOUR SPECIAL-NEEDS CHILD]]></title><link>https://makesmartdecisions.com/client-library-pages/tips-for-finding-care-for-your-special-needs-child</link><guid isPermaLink="false">5c8a7554dfb2a3158c9070ab</guid><category><![CDATA[Insights]]></category><category><![CDATA[Lifestyle]]></category><category><![CDATA[Estate]]></category><pubDate>Thu, 14 Mar 2019 15:38:07 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insights" slug="insights" name="Insights"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/></item><item><title><![CDATA[A PRIMER ON IRREVOCABLE LIFE INSURANCE TRUSTS]]></title><link>https://makesmartdecisions.com/client-library-pages/a-primer-on-irrevocable-life-insurance-trusts</link><guid isPermaLink="false">5c8a7519dfb2a3158c906ffe</guid><category><![CDATA[Estate]]></category><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 15:37:19 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[PLANNING FOR SPECIAL NEEDS CHILDREN]]></title><link>https://makesmartdecisions.com/client-library-pages/planning-for-special-needs-children</link><guid 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url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/></item><item><title><![CDATA[PROBLEMS WITH PROBATE]]></title><link>https://makesmartdecisions.com/client-library-pages/problems-with-probate</link><guid isPermaLink="false">5c8a74ccdfb2a3158c906ffb</guid><category><![CDATA[Estate]]></category><pubDate>Thu, 14 Mar 2019 15:35:51 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/></item><item><title><![CDATA[TRENDS IN CHARITABLE GIVING]]></title><link>https://makesmartdecisions.com/client-library-pages/trends-in-charitable-giving</link><guid isPermaLink="false">5c8a74aedfb2a3158c906ffa</guid><category><![CDATA[Estate]]></category><pubDate>Thu, 14 Mar 2019 15:35:24 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/></item><item><title><![CDATA[WILL POWER]]></title><link>https://makesmartdecisions.com/client-library-pages/will-power</link><guid isPermaLink="false">5c8a745a4fd4df7be0e12a35</guid><category><![CDATA[Estate]]></category><pubDate>Thu, 14 Mar 2019 15:34:01 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/></item><item><title><![CDATA[PUT IT IN A LETTER]]></title><link>https://makesmartdecisions.com/client-library-pages/put-it-in-a-letter</link><guid isPermaLink="false">5c8a74414fd4df7be0e12a34</guid><category><![CDATA[Estate]]></category><pubDate>Thu, 14 Mar 2019 15:33:42 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/></item><item><title><![CDATA[AND THE EXECUTOR IS...]]></title><link>https://makesmartdecisions.com/client-library-pages/and-the-executor-is</link><guid isPermaLink="false">5c8a741adfb2a3158c906ff7</guid><category><![CDATA[Estate]]></category><pubDate>Thu, 14 Mar 2019 15:32:51 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/></item><item><title><![CDATA[ESTATE MANAGEMENT CHECKLIST]]></title><link>https://makesmartdecisions.com/client-library-pages/estate-management-checklist</link><guid isPermaLink="false">5c8a73fadfb2a3158c906f3e</guid><category><![CDATA[Estate]]></category><pubDate>Thu, 14 Mar 2019 15:32:26 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/></item><item><title><![CDATA[CRITICAL ESTATE DOCUMENTS]]></title><link>https://makesmartdecisions.com/client-library-pages/critical-estate-documents</link><guid 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