<?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 21:58:11 GMT</lastBuildDate><atom:link href="https://makesmartdecisions.com/client-library-pages/feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[A Brief Guide to Condo Insurance]]></title><description><![CDATA[The ownership structure of a condominium unit is different from that of a single family house. Here’s a list to consider when purchasing insurance for your condo.]]></description><link>https://makesmartdecisions.com/client-library-pages/a-brief-guide-to-condo-insurance</link><guid isPermaLink="false">65cfdc48fdfac8b0c2fc1380</guid><category><![CDATA[Insurance]]></category><pubDate>Fri, 16 Feb 2024 10:08:14 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/UWH0u7SCu2_/Condo.png"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[A Home Insurance Claim: To File Or Not To File]]></title><description><![CDATA[Several factors will affect the cost of homeowners insurance, including the location, size, and contents in the home. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.]]></description><link>https://makesmartdecisions.com/client-library-pages/a-home-insurance-claim-to-file-or-not-to-file</link><guid isPermaLink="false">65cfd74c8083953952aa01fd</guid><category><![CDATA[Insurance]]></category><pubDate>Fri, 16 Feb 2024 09:48:01 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/s5J6aVQuGux/Stack-of-Files.png"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></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[Renters Insurance 101: 10 Questions to Ask Yourself]]></title><description><![CDATA[If you rent an apartment or house, it’s likely your landlord will ask you to obtain a renters insurance policy. You may be left wondering what exactly renters insurance is and what it covers. ]]></description><link>https://makesmartdecisions.com/client-library-pages/renters-insurance-101</link><guid isPermaLink="false">63879b21557a26f189f08cec</guid><category><![CDATA[College Planning]]></category><category><![CDATA[Insurance]]></category><category><![CDATA[Housing]]></category><pubDate>Wed, 30 Nov 2022 06:55:16 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/K5NlU3DwRm/renters-insurance-101-10-questions-to-ask-yourself.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/insurance" slug="insurance" name="Insurance"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/housing" slug="housing" name="Housing"/></item><item><title><![CDATA[Insurance Basics: Renter's Insurance]]></title><description><![CDATA[If you're renting an apartment, home, or condo, you might assume you don't need insurance. Should anything structural happen to the building, the property owner is responsible for repairing the damage under their policy.]]></description><link>https://makesmartdecisions.com/client-library-pages/insurance-basics-renters-insurance</link><guid isPermaLink="false">63879d78557a26f189f0973d</guid><category><![CDATA[Insurance]]></category><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Housing]]></category><pubDate>Wed, 30 Nov 2022 06:52:00 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/rF0PSpfJjS/featured_rentersinsurance.jpg"/><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/financial-literacy" slug="financial-literacy" name="Financial Literacy"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/housing" slug="housing" name="Housing"/></item><item><title><![CDATA[How Umbrella Insurance Can Shield You from the Storm]]></title><description><![CDATA[When your local weather forecaster tells you that it's going to rain, what do you do? That's easy--you reach for your umbrella. So why not purchase an umbrella that can protect you in stormy financial weather? ]]></description><link>https://makesmartdecisions.com/client-library-pages/how-umbrella-insurance-can-shield-you-from-the-storm</link><guid isPermaLink="false">5e3c53054f1e9e463f1868c2</guid><category><![CDATA[Insurance]]></category><category><![CDATA[Money]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Mon, 10 Feb 2020 08:58:57 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/LHQrU_DLT/2-10-IG-Umbrella-Policy-09.png"/><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/money" slug="money" name="Money"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[GAP INSURANCE FOR LEASED CARS]]></title><link>https://makesmartdecisions.com/client-library-pages/gap-insurance-for-leased-cars</link><guid isPermaLink="false">5c8a7dfbdfb2a3158c9070fa</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 16:15:04 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[TEEN DRINKING AND YOUR LIABILITY]]></title><link>https://makesmartdecisions.com/client-library-pages/teen-drinking-and-your-liability</link><guid isPermaLink="false">5c8a7dea4fd4df7be0e12ac6</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 16:14:41 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[HOW INSURANCE DEDUCTIBLES WORK]]></title><link>https://makesmartdecisions.com/client-library-pages/how-insurance-deductibles-work</link><guid isPermaLink="false">5c8a7dd1dfb2a3158c9070f7</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 16:14:18 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[ERRORS AND OMISSIONS INSURANCE]]></title><link>https://makesmartdecisions.com/client-library-pages/errors-and-omissions-insurance</link><guid isPermaLink="false">5c8a7dbedfb2a3158c9070f5</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 16:13:59 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[GUN OWNERSHIP AND YOUR HOMEOWNERS POLICY]]></title><link>https://makesmartdecisions.com/client-library-pages/gun-ownership-and-your-homeowners-policy</link><guid isPermaLink="false">5c8a7da6dfb2a3158c9070f4</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 16:13:34 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[FALLEN TREE DAMAGE—WHO PAYS?]]></title><link>https://makesmartdecisions.com/client-library-pages/fallen-tree-damagewho-pays</link><guid isPermaLink="false">5c8a7d91dfb2a3158c9070f3</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 16:13:13 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[THE ANATOMY OF A SUPPLEMENTAL HEALTH PLAN]]></title><link>https://makesmartdecisions.com/client-library-pages/the-anatomy-of-a-supplemental-health-plan</link><guid isPermaLink="false">5c8a7d77dfb2a3158c9070f2</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 16:12:48 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[INVENTORYING YOUR POSSESSIONS]]></title><link>https://makesmartdecisions.com/client-library-pages/inventorying-your-possessions</link><guid isPermaLink="false">5c8a7d5f4fd4df7be0e12ac2</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 16:12:24 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[WHEN TO SELF-INSURE]]></title><link>https://makesmartdecisions.com/client-library-pages/when-to-self-insure</link><guid isPermaLink="false">5c8a7c114fd4df7be0e12abb</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 16:12:01 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[WHAT YOU SHOULD DO ABOUT INSURANCE FOLLOWING A DIVORCE]]></title><link>https://makesmartdecisions.com/client-library-pages/what-you-should-do-about-insurance-following-a-divorce</link><guid isPermaLink="false">5c8a7bf94fd4df7be0e12aba</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 16:06:26 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[UNDERSTANDING THE BASICS OF MEDIGAP POLICIES]]></title><link>https://makesmartdecisions.com/client-library-pages/understanding-the-basics-of-medigap-policies</link><guid isPermaLink="false">5c8a7aea4fd4df7be0e12ab4</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 16:06:03 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[PLANNING FOR THE EXPECTED]]></title><link>https://makesmartdecisions.com/client-library-pages/planning-for-the-expected</link><guid isPermaLink="false">5c8a7acadfb2a3158c9070e5</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 16:01:27 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[CAN GROUP, PRIVATE DISABILITY POLICIES WORK TOGETHER?]]></title><link>https://makesmartdecisions.com/client-library-pages/can-group-private-disability-policies-work-together</link><guid isPermaLink="false">5c8a7aaa4fd4df7be0e12ab2</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 16:00:56 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[INSURING YOUR BUSINESS WITH A BUY/SELL AGREEMENT]]></title><link>https://makesmartdecisions.com/client-library-pages/insuring-your-business-with-a-buysell-agreement</link><guid isPermaLink="false">5c8a7a824fd4df7be0e12ab1</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 16:00:18 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></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[KEEP YOUR UMBRELLA HANDY]]></title><link>https://makesmartdecisions.com/client-library-pages/keep-your-umbrella-handy</link><guid 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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[WHEN SHOULD YOU TAKE SOCIAL SECURITY]]></title><link>https://makesmartdecisions.com/client-library-pages/when-should-you-take-social-security</link><guid isPermaLink="false">5c8a6c704fd4df7be0e12871</guid><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Insurance]]></category><category><![CDATA[Money]]></category><pubDate>Thu, 14 Mar 2019 15:00:20 GMT</pubDate><media:thumbnail url=""/><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/insurance" slug="insurance" 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