<?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 21:58:07 GMT</lastBuildDate><atom:link href="https://makesmartdecisions.com/client-library-pages/feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Annuity Comparison Calculator]]></title><description><![CDATA[Deposits into an annuity are not tax-deductible; however, you may not have to pay taxes on the interest earned until you begin making withdrawals. This tax-deferral period can have a dramatic effect on the growth of an investment. Use this calculator to compare the potential tax advantages of saving in an annuity versus an account where the interest is taxed each year.]]></description><link>https://www.library-messages.com/427c4881-9477-4f50-9e84-573bc12ca21a/resource-center/retirement/annuity-comparison</link><guid isPermaLink="false">65e0eb0ef2650f98ad7f46ef</guid><category><![CDATA[Investing]]></category><category><![CDATA[Insights]]></category><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Calculator]]></category><pubDate>Thu, 29 Feb 2024 08:42:23 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/LV5R3vJzDnO/volodymyr-hryshchenko-L0oJ4Dlfyuo-unsplash.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/><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/financial-literacy" slug="financial-literacy" name="Financial Literacy"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/calculator" slug="calculator" name="Calculator"/></item><item><title><![CDATA[Living Trust: A Primer]]></title><description><![CDATA[A living trust is a popular consideration in many estate strategy conversations, but its appropriateness will depend upon your individual needs and objectives.]]></description><link>https://makesmartdecisions.com/client-library-pages/living-trust-a-primer</link><guid isPermaLink="false">5c8a753cdfb2a3158c9070aa</guid><category><![CDATA[Insights]]></category><category><![CDATA[Insurance]]></category><pubDate>Thu, 01 Feb 2024 09:43:18 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/KfQcauHlVyo/vecteezy_isolated-autumn-gradient-leaves-on-white-background-fall-season-flat-lay-top-view_1254804.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/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[Retirement Hobbies You Never Knew Existed]]></title><description><![CDATA[We all know about standard retirement hobbies such as golf, gardening, or woodworking. But now that you have time to fill, why not think outside the box? Here, we share some retirement hobbies you never knew existed that can help spice up your golden years.]]></description><link>https://makesmartdecisions.com/client-library-pages/retirement-hobbies-you-never-knew-existed</link><guid isPermaLink="false">638797ae557a26f189f0827b</guid><category><![CDATA[Insights]]></category><category><![CDATA[Lifestyle]]></category><category><![CDATA[Retirement]]></category><pubDate>Tue, 29 Nov 2022 06:56:14 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/fW7khNvtM5/featured_retirementhobbiesyouneverknewexisted_article.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/lifestyle" slug="lifestyle" name="Lifestyle"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[A Federal Wealth Tax Has Been Introduced in the Senate. Here's What Affluent Families Need to Know]]></title><description><![CDATA[Several U.S. senators have proposed new legislation in an effort to raise $3 trillion in tax revenue over the next decade.1 Called the Ultra-Millionaire Tax, this new proposed legislation comes in direct response to the economic turmoil Americans have experienced throughout the COVID-19 pandemic.]]></description><link>https://makesmartdecisions.com/client-library-pages/a-federal-wealth-tax-has-been-introduced-in-the-senate-heres-what-affluent-families-need-to-know</link><guid isPermaLink="false">6047ce8ff73d243ed0e4ca5c</guid><category><![CDATA[College Planning]]></category><category><![CDATA[Insights]]></category><category><![CDATA[Tax]]></category><pubDate>Tue, 09 Mar 2021 07:40:12 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/Ls1XUETqEA/featured_a-federal-wealth-tax-has-been-introduced-in-the-senate-heres-what-affluent-families-need-to-know.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/college-planning" slug="college-planning" name="College Planning"/><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/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[April Is Financial Literacy Month. Do You Have These 5 Finance Basics Down?]]></title><description><![CDATA[Working with a trusted financial professional is important when it comes to strategizing and preparing to meet your financial goals. But as most of us handle money on a daily basis, it’s important to have an in-depth understanding of the fundamentals of financial literacy. Below we’ve identified five financial basics everyone should know. Understanding these important concepts can serve as a basis for your financial standings.]]></description><link>https://makesmartdecisions.com/client-library-pages/april-is-financial-literacy-month-do-you-have-these-5-finance-basics-down</link><guid isPermaLink="false">6047cd1d0401432bd1cde7d7</guid><category><![CDATA[College Planning]]></category><category><![CDATA[Investing]]></category><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Insights]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Tue, 09 Mar 2021 07:37:46 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/UomG0RlaBL/feature_april-is-financial-literacy-month-do-you-have-these-5-finance-basics-down.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/college-planning" slug="college-planning" name="College Planning"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/><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/insights" slug="insights" name="Insights"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><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[[Infographic] The $2 Trillion Economic Stimulus Bill Has Passed: Here's an Overview]]></title><description><![CDATA[In wake of the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security (CARES) Act has been passed. Here's a quick breakdown of how businesses and individuals can expect to be impacted.]]></description><link>https://makesmartdecisions.com/client-library-pages/infographic-the-dollar2-trillion-economic-stimulus-bill-has-passed-heres-an-overview</link><guid isPermaLink="false">5e84c8d46b038b3475cfd9cb</guid><category><![CDATA[Investing]]></category><category><![CDATA[Insights]]></category><category><![CDATA[Money]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Wed, 01 Apr 2020 05:03:06 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/5SYwUrpDPrv/the-dollar2-trillion-economic-stimulus-bill-has-passed-copy.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/><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/money" slug="money" name="Money"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[Conspiracy Unlocked – Coronavirus and Stock Market Volatility]]></title><description><![CDATA[We are here for you and we want to take a moment to update you on our thoughts related to the coronavirus, its impact on the financial markets, and, ultimately, on your personal financial situation.]]></description><link>https://makesmartdecisions.com/client-library-pages/conspiracy-unlocked-coronavirus-and-stock-market-volatility</link><guid isPermaLink="false">5e6bd8061823b36ce8934307</guid><category><![CDATA[Insights]]></category><category><![CDATA[Money]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Fri, 13 Mar 2020 07:09:53 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/MVASQPnTgY/corona_featured.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/money" slug="money" name="Money"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[How to Make the Most of a Messy Market]]></title><description><![CDATA[... perhaps you should take the advice of some of the world’s savviest investors and turn away from the stock ticker for the rest of the day. You may be envisioning dollar signs flying out of your wallet and you want to get on the phone and sell. You may even see an opportunity to buy. However, most market gurus will say that if you have a wise strategy in place, it's typically best to stay the course.]]></description><link>https://makesmartdecisions.com/client-library-pages/how-to-make-the-most-of-a-messy-market</link><guid isPermaLink="false">5e6bdb2e1823b36ce89343ed</guid><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Insights]]></category><category><![CDATA[Money]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Fri, 13 Mar 2020 07:08:27 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/SM9JXIQ21Q/rick-tap-uJhgEXPqSPk-unsplash.jpg"/><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/insights" slug="insights" name="Insights"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/money" slug="money" name="Money"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[DISABILITY AND YOUR FINANCES]]></title><link>https://makesmartdecisions.com/client-library-pages/disability-and-your-finances</link><guid isPermaLink="false">5c8a7a574fd4df7be0e12aac</guid><category><![CDATA[Lifestyle]]></category><category><![CDATA[Insurance]]></category><category><![CDATA[Insights]]></category><pubDate>Thu, 14 Mar 2019 15:59:30 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/insurance" slug="insurance" name="Insurance"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insights" slug="insights" name="Insights"/></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[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[Talking to Your Kids About Money]]></title><description><![CDATA[Putant malorum recteque pro ad, oratio vituperata constituam eum at. No eleifend sapientem ius, usu praesent gubergren quaerendum ex, quo no denique adipisci postulant.]]></description><link>https://makesmartdecisions.com/client-library-pages/talking-to-your-kids-about-money</link><guid isPermaLink="false">5c057ba2d9a01706b78b3713</guid><category><![CDATA[Insights]]></category><pubDate>Thu, 14 Mar 2019 15:06:42 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/587f882503dfb2173bf0b7d6/S1aos_5Ke/kids-and-money.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insights" slug="insights" name="Insights"/></item></channel></rss>