<?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 21:48:43 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[A Look at Diversification]]></title><description><![CDATA[What is Diversification? An investment principle designed to manage risk. However, diversification does not guarantee against a loss.]]></description><link>https://makesmartdecisions.com/client-library-pages/a-look-at-diversification-2</link><guid isPermaLink="false">65cfd3effdfac8b0c2fc012e</guid><category><![CDATA[Investing]]></category><pubDate>Fri, 16 Feb 2024 09:38:01 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/gJuWbT0CNku/Tape-Graphic.png"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[Calculator - How Long will Systemic Withdrawals Last?]]></title><description><![CDATA[You have worked hard to accumulate your savings. Use this calculator to determine how long those funds may potentially last given regular withdrawals.]]></description><link>https://makesmartdecisions.com/client-library-pages/calculator-how-long-will-systemic-withdrawals-last</link><guid isPermaLink="false">65cfcb3bfdfac8b0c2fbf183</guid><category><![CDATA[Investing]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Calculator]]></category><pubDate>Fri, 16 Feb 2024 09:04:49 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/CG8bTi-D3xb/041-largethumb-a.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/retirement" slug="retirement" name="Retirement"/><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[A Decision Not Made Is Still a Decision]]></title><description><![CDATA[READ TIME: 3 MIN
Whether through inertia or trepidation, investors who put off important investment decisions might consider the admonition offered by motivational speaker Brian Tracy, "Almost any decision is better than no decision at all."]]></description><link>https://makesmartdecisions.com/client-library-pages/a-decision-not-made-is-still-a-decision</link><guid isPermaLink="false">5c8a77d44fd4df7be0e12a5f</guid><category><![CDATA[Investing]]></category><pubDate>Mon, 05 Feb 2024 09:51:04 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/qHhP_rT4ijn/jens-lelie-u0vgcIOQG08-unsplash.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[Investing 101: a Primer for Beginners]]></title><description><![CDATA[Many of us have heard the term “investments” used in many ways - and it’s a concept most of us are familiar with to some degree. But unless you’ve really taken an interest in the markets or set aside time to study them, you may not have a total understanding of what investing is, everything involved with investing or what different types of investments are out there. ]]></description><link>https://makesmartdecisions.com/client-library-pages/investing-101-a-primer-for-beginners</link><guid isPermaLink="false">63879a36e0a9eff2653e071f</guid><category><![CDATA[Investing]]></category><category><![CDATA[Financial Literacy]]></category><pubDate>Wed, 30 Nov 2022 06:55:37 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/kV0x_CTSvS/investing-101-a-primer-for-beginners.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/financial-literacy" slug="financial-literacy" name="Financial Literacy"/></item><item><title><![CDATA[[Infographic] How Stocks Work]]></title><description><![CDATA[Shareholders are partial owners of the company who can vote for those who serve on the company's board of directors.]]></description><link>https://makesmartdecisions.com/client-library-pages/how-stocks-work-infographic</link><guid isPermaLink="false">638794af557a26f189f07d0a</guid><category><![CDATA[Investing]]></category><category><![CDATA[Financial Literacy]]></category><pubDate>Tue, 29 Nov 2022 06:58:47 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/VDhjUIzJ_k/How-Stocks-Work.png"/><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/financial-literacy" slug="financial-literacy" name="Financial Literacy"/></item><item><title><![CDATA[529 Plan Basics [Infographic]]]></title><description><![CDATA[College expenses seem to get more expensive every year. Luckily, there are many different ways to help save for a child's college education and 529 plans can offer a variety of advantages.]]></description><link>https://makesmartdecisions.com/client-library-pages/529-plan-basics-infographic</link><guid isPermaLink="false">63879ea9557a26f189f09be9</guid><category><![CDATA[College Planning]]></category><category><![CDATA[Investing]]></category><category><![CDATA[Infographic]]></category><pubDate>Tue, 29 Nov 2022 03:11:11 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/OZ06Nam6dW/529-Basics.png"/><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/infographic" slug="infographic" name="Infographic"/></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[Your Employer Suspended Its 401(k) Matching During COVID-19. Now What?]]></title><description><![CDATA[If your employer has recently made an adjustment to its 401(k) offerings, you may be considering how this could impact your future retirement - and what next steps you should be taking.]]></description><link>https://makesmartdecisions.com/client-library-pages/your-employer-suspended-its-401k-matching-during-covid-19-now-what</link><guid isPermaLink="false">5ed53a89e53f5978f53404cc</guid><category><![CDATA[Investing]]></category><category><![CDATA[Lifestyle]]></category><category><![CDATA[Trending Topics]]></category><pubDate>Mon, 01 Jun 2020 06:59:34 GMT</pubDate><media:thumbnail url=""/><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/lifestyle" slug="lifestyle" name="Lifestyle"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/trending-topics" slug="trending-topics" name="Trending Topics"/></item><item><title><![CDATA[Loss of Income, the Paycheck Protection Program, and the Stimulus Package: A Guide for Small Business Owners]]></title><description><![CDATA[Self-employed individuals and small businesses account for a significant portion of our country’s economy. During a global pandemic, like the one we’re experiencing now, small businesses suffer some of the hardest hits. On March 27, 2020, President Donald Trump signed the Coronavirus Aid, Relief, and Economic Security (CARES) Act into law, allocating funding to support the U.S. economy and workers through the coronavirus outbreak. ]]></description><link>https://makesmartdecisions.com/client-library-pages/loss-of-income-the-paycheck-protection-program-and-the-stimulus-package-a-guide-for-small-business-owners</link><guid isPermaLink="false">5e84c88c6b038b3475cfd971</guid><category><![CDATA[Investing]]></category><category><![CDATA[Money]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Wed, 01 Apr 2020 05:03:13 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/TfhECpw-IzT/loss_of_income-_the_recently_passed_stimulus_package_a_guide_for_small_business_owners.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/money" slug="money" name="Money"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></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[[Infographic] Thinking of Investing During the Market Downturn? Make These 5 Considerations First]]></title><description><![CDATA[While many investors are losing confidence in their investments due to the recent market volatility, there are those out there who may find this an opportune time to pad their portfolio. But before you do, take these considerations into account.  Then, if you're still interested, get in touch with your investment advisor to review your options. ]]></description><link>https://makesmartdecisions.com/client-library-pages/infographic-thinking-of-investing-during-the-market-downturn-make-these-5-considerations-first</link><guid isPermaLink="false">5e84c7d76b038b3475cfd96b</guid><category><![CDATA[Investing]]></category><pubDate>Wed, 01 Apr 2020 05:02:56 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/vHHBVJEUOpP/thinkingofinvesting_pandemic.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[Ripples Quarter 1]]></title><description><![CDATA[In this issue: 
- Six Most Missed Deductions
- Secure Act Changes
- When Should I File My Tax Return?]]></description><link>https://makesmartdecisions.com/client-library-pages/ripples-quarter-1</link><guid isPermaLink="false">5e67bb2629aa946ed66fa9b3</guid><category><![CDATA[Investing]]></category><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Money]]></category><pubDate>Tue, 10 Mar 2020 16:20:59 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/6Ga5vlF1Jo/cropped/Ripples-20Q1-01.png"/><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/money" slug="money" name="Money"/></item><item><title><![CDATA[Market Volatility: Stay the Course]]></title><description><![CDATA[The current volatility of the stock market seems daunting and can cause some tension. While the shake-ups in the market is certainly cause for pause, it is important to keep perspective. Investment decisions should be based on sound principles, and good information rather than out of worry. We keep an eye on the long term, and encourage you to do the same! ]]></description><link>https://makesmartdecisions.com/client-library-pages/market-volatility-stay-the-course</link><guid isPermaLink="false">5e598e316cd9f61a3fefa2d3</guid><category><![CDATA[Investing]]></category><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Money]]></category><pubDate>Fri, 28 Feb 2020 10:23:14 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/uaC-6LH0Q/2-28-IG-Stay-the-Course-06.png"/><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/money" slug="money" name="Money"/></item><item><title><![CDATA[TERM VS. PERMANENT LIFE INSURANCE]]></title><link>https://makesmartdecisions.com/client-library-pages/term-vs-permanent-life-insurance</link><guid isPermaLink="false">5c8a7a6d4fd4df7be0e12aad</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:59:50 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[4 REASONS FOR THE RETURN OF MARKET VOLATILITY]]></title><link>https://makesmartdecisions.com/client-library-pages/4-reasons-for-the-return-of-market-volatility</link><guid isPermaLink="false">5c8a79a5dfb2a3158c9070d9</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:56:28 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[FOUR REALLY GOOD REASONS TO INVEST]]></title><link>https://makesmartdecisions.com/client-library-pages/four-really-good-reasons-to-invest</link><guid isPermaLink="false">5c8a7988dfb2a3158c9070d7</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:56:00 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[INVESTMENT CHALLENGES OF THE AFFLUENT INVESTOR]]></title><link>https://makesmartdecisions.com/client-library-pages/investment-challenges-of-the-affluent-investor</link><guid isPermaLink="false">5c8a796e4fd4df7be0e12a73</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:55:39 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[DON’T BE YOUR OWN WORST ENEMY]]></title><link>https://makesmartdecisions.com/client-library-pages/dont-be-your-own-worst-enemy</link><guid isPermaLink="false">5c8a7953dfb2a3158c9070d2</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:55:09 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[THE INVESTMENT RISK NO ONE’S EVER HEARD OF]]></title><link>https://makesmartdecisions.com/client-library-pages/the-investment-risk-no-ones-ever-heard-of</link><guid isPermaLink="false">5c8a7937dfb2a3158c9070d0</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:54:42 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[THE UTILITY OF SECTOR INVESTING]]></title><link>https://makesmartdecisions.com/client-library-pages/the-utility-of-sector-investing</link><guid isPermaLink="false">5c8a79214fd4df7be0e12a70</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:54:18 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[THE ANATOMY OF AN INDEX]]></title><link>https://makesmartdecisions.com/client-library-pages/the-anatomy-of-an-index</link><guid isPermaLink="false">5c8a790c4fd4df7be0e12a6d</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:53:55 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[INVESTING WITH YOUR HEART]]></title><link>https://makesmartdecisions.com/client-library-pages/investing-with-your-heart</link><guid isPermaLink="false">5c8a78f2dfb2a3158c9070cb</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:53:36 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[EARNINGS FOR ALL SEASONS]]></title><link>https://makesmartdecisions.com/client-library-pages/earnings-for-all-seasons</link><guid isPermaLink="false">5c8a78d64fd4df7be0e12a6b</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:53:14 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[THE IVORY TOWER CHANGES WALL STREET]]></title><link>https://makesmartdecisions.com/client-library-pages/the-ivory-tower-changes-wall-street</link><guid isPermaLink="false">5c8a78c84fd4df7be0e12a69</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:52:51 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[THE NEW RED SCARE: CHINESE OWNERSHIP OF U.S. DEBT]]></title><link>https://makesmartdecisions.com/client-library-pages/the-new-red-scare-chinese-ownership-of-us-debt</link><guid isPermaLink="false">5c8a78594fd4df7be0e12a64</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:52:26 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[THE ABCS OF ZERO COUPON BONDS]]></title><link>https://makesmartdecisions.com/client-library-pages/the-abcs-of-zero-coupon-bonds</link><guid isPermaLink="false">5c8a7844dfb2a3158c9070c6</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:50:36 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[A TAXING STORY: CAPITAL GAINS AND LOSSES]]></title><link>https://makesmartdecisions.com/client-library-pages/a-taxing-story-capital-gains-and-losses</link><guid isPermaLink="false">5c8a782bdfb2a3158c9070c5</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:50:13 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[ALL MUNI BONDS ARE NOT CREATED EQUAL]]></title><link>https://makesmartdecisions.com/client-library-pages/all-muni-bonds-are-not-created-equal</link><guid isPermaLink="false">5c8a78174fd4df7be0e12a61</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:49:52 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[THE GREAT DEBATE CONTINUES: ACTIVE VS. PASSIVE]]></title><link>https://makesmartdecisions.com/client-library-pages/the-great-debate-continues-active-vs-passive</link><guid isPermaLink="false">5c8a7804dfb2a3158c9070c3</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:49:32 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[GLOBAL VS. INTERNATIONAL: WHAT’S THE DIFFERENCE?]]></title><link>https://makesmartdecisions.com/client-library-pages/global-vs-international-whats-the-difference</link><guid isPermaLink="false">5c8a77eedfb2a3158c9070c2</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:49:11 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[GETTING A HEAD START ON COLLEGE SAVINGS]]></title><link>https://makesmartdecisions.com/client-library-pages/getting-a-head-start-on-college-savings</link><guid isPermaLink="false">5c8a77bddfb2a3158c9070c0</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:48:22 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[REQUIRED READING: THE ECONOMIC REPORT OF THE PRESIDENT]]></title><link>https://makesmartdecisions.com/client-library-pages/required-reading-the-economic-report-of-the-president</link><guid isPermaLink="false">5c8a77894fd4df7be0e12a58</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:47:28 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[HOW STOCKS WORK]]></title><link>https://makesmartdecisions.com/client-library-pages/how-stocks-work</link><guid isPermaLink="false">5c8a776f4fd4df7be0e12a57</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:47:03 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[ASSET ALLOCATION]]></title><link>https://makesmartdecisions.com/client-library-pages/asset-allocation</link><guid isPermaLink="false">5c8a7756dfb2a3158c9070bd</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:46:45 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[A PRIMER ON DIVIDENDS]]></title><link>https://makesmartdecisions.com/client-library-pages/a-primer-on-dividends</link><guid isPermaLink="false">5c8a7741dfb2a3158c9070bb</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:46:20 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[HOW THE FEDERAL RESERVE WORKS]]></title><link>https://makesmartdecisions.com/client-library-pages/how-the-federal-reserve-works</link><guid isPermaLink="false">5c8a77244fd4df7be0e12a50</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:45:53 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[BEST PERFORMING ASSET CLASSES]]></title><link>https://makesmartdecisions.com/client-library-pages/best-performing-asset-classes</link><guid isPermaLink="false">5c8a770b4fd4df7be0e12a4d</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:45:21 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[TYPES OF STOCK MARKET ANALYSIS]]></title><link>https://makesmartdecisions.com/client-library-pages/types-of-stock-market-analysis</link><guid isPermaLink="false">5c8a76efdfb2a3158c9070b9</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:45:02 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[TIPS FOR INFLATION]]></title><link>https://makesmartdecisions.com/client-library-pages/tips-for-inflation</link><guid isPermaLink="false">5c8a76d94fd4df7be0e12a4c</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:44:35 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[REBALANCING YOUR PORTFOLIO]]></title><link>https://makesmartdecisions.com/client-library-pages/rebalancing-your-portfolio</link><guid isPermaLink="false">5c8a76b6dfb2a3158c9070b7</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:44:09 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[VALUE VS. GROWTH INVESTING]]></title><link>https://makesmartdecisions.com/client-library-pages/value-vs-growth-investing</link><guid isPermaLink="false">5c8a76a1dfb2a3158c9070b6</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:43:40 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[INFLATION & YOUR MONEY]]></title><link>https://makesmartdecisions.com/client-library-pages/inflation-and-your-money</link><guid isPermaLink="false">5c8a768edfb2a3158c9070b4</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:43:18 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[THE BUSINESS CYCLE]]></title><link>https://makesmartdecisions.com/client-library-pages/the-business-cycle</link><guid isPermaLink="false">5c8a76644fd4df7be0e12a43</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:42:43 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[REVISING ESTATE STRATEGY ASSUMPTIONS]]></title><link>https://makesmartdecisions.com/client-library-pages/revising-estate-strategy-assumptions</link><guid isPermaLink="false">5c8a756e4fd4df7be0e12a3d</guid><category><![CDATA[Lifestyle]]></category><category><![CDATA[Investing]]></category><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 15:38:52 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/investing" slug="investing" name="Investing"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[Keeping Your Investment Plan on Track]]></title><description><![CDATA[We specialize in providing wealth advisory and investment services and tax advice for clients seeking financial freedom and security. We focus on your life goals to help create a comprehensive plan for your future.]]></description><link>https://makesmartdecisions.com/client-library-pages/keeping-your-investment-plan-on-track</link><guid isPermaLink="false">5c057ba2d9a01706b78b3714</guid><category><![CDATA[Investing]]></category><category><![CDATA[College Planning]]></category><pubDate>Thu, 14 Mar 2019 15:06:35 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/587f882503dfb2173bf0b7d6/ByI1hO5Kl/train_tracks.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/college-planning" slug="college-planning" name="College Planning"/></item><item><title><![CDATA[WHAT IS A STRETCH IRA?]]></title><link>https://makesmartdecisions.com/client-library-pages/what-is-a-stretch-ira</link><guid isPermaLink="false">5c8a6c934fd4df7be0e1287a</guid><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Investing]]></category><category><![CDATA[Tax]]></category><category><![CDATA[Money]]></category><pubDate>Thu, 14 Mar 2019 15:06:06 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/investing" slug="investing" name="Investing"/><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[Navigating Choppy Waters]]></title><description><![CDATA[Down markets are inevitable, both as part of the normal cycle and due to specific events. Studies show that investors who panic and react to these market events often underperform.]]></description><link>https://makesmartdecisions.com/client-library-pages/navigating-choppy-waters</link><guid isPermaLink="false">5c057ba2d9a01706b78b3716</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 15:05:56 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/587f882503dfb2173bf0b7d6/Hkmd2O5Ye/choppy_waters.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item><item><title><![CDATA[WOMEN AND FINANCIAL STRATEGIES]]></title><link>https://makesmartdecisions.com/client-library-pages/women-and-financial-strategies</link><guid isPermaLink="false">5c8a6c474fd4df7be0e1286b</guid><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Investing]]></category><category><![CDATA[Money]]></category><pubDate>Thu, 14 Mar 2019 14:59:41 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/investing" slug="investing" name="Investing"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/money" slug="money" name="Money"/></item><item><title><![CDATA[RETIREMENT TRAPS TO AVOID]]></title><link>https://makesmartdecisions.com/client-library-pages/retirement-traps-to-avoid</link><guid isPermaLink="false">5c8a6be8dfb2a3158c906deb</guid><category><![CDATA[Investing]]></category><pubDate>Thu, 14 Mar 2019 07:50:02 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/investing" slug="investing" name="Investing"/></item></channel></rss>