<?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 20:59:23 GMT</lastBuildDate><atom:link href="https://makesmartdecisions.com/client-library-pages/feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Glossary]]></title><description><![CDATA[A glossary of financial terms from 1035 Exchange to Zero Coupon Bond.]]></description><link>https://makesmartdecisions.com/client-library-pages/glossary</link><guid isPermaLink="false">5c8a67fa4fd4df7be0e12836</guid><category><![CDATA[Full Circle Bulletin]]></category><pubDate>Thu, 31 Dec 2026 07:47:07 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/FMlWFx82JBg/dmitry-ratushny-67024-unsplash.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/full-circle-bulletin" slug="full-circle-bulletin" name="Full Circle Bulletin"/></item><item><title><![CDATA[Useful Links]]></title><description><![CDATA[Here you'll find a list of helpful links to information that may interest you. If you have links you feel would be a fit for this list, email to let us know.]]></description><link>https://makesmartdecisions.com/client-library-pages/useful-links</link><guid isPermaLink="false">5c8a670fdfb2a3158c906d82</guid><category><![CDATA[Full Circle Bulletin]]></category><pubDate>Thu, 31 Dec 2026 07:46:43 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/LhlP0KmX19r/kelly-sikkema-411622-unsplash.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/full-circle-bulletin" slug="full-circle-bulletin" name="Full Circle Bulletin"/></item><item><title><![CDATA[Library Categories Defined]]></title><description><![CDATA[For an explanation of the categories featured in our client library - click here!]]></description><link>https://makesmartdecisions.com/client-library-pages/library-categories-defined</link><guid isPermaLink="false">6387a87d557a26f189f0bd6c</guid><category><![CDATA[Full Circle Bulletin]]></category><pubDate>Thu, 31 Dec 2026 07:46:30 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/Io8qr9lkNn/maksym-kaharlytskyi-Q9y3LRuuxmg-unsplash.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/full-circle-bulletin" slug="full-circle-bulletin" name="Full Circle Bulletin"/></item><item><title><![CDATA[Cheat Sheet: How long to keep documents]]></title><description><![CDATA[Here’s a quick cheat sheet to help you decide just how long you should hold onto those documents before getting that satisfying feeling from throwing them in the shredder. ]]></description><link>https://makesmartdecisions.com/client-library-pages/cheat-sheet-how-long-to-keep-documents</link><guid isPermaLink="false">67f6bb04d8b6e13a1e0fdbd7</guid><category><![CDATA[Trending Topics]]></category><pubDate>Wed, 09 Apr 2025 08:37:01 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/zG0nwWCFT0V/Untitled-9.png"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/trending-topics" slug="trending-topics" name="Trending Topics"/></item><item><title><![CDATA[5 Benefits of Working in Retirement]]></title><description><![CDATA[More people are viewing retirement as an opportunity to enjoy the rewards of work in a whole new way. Read on to discover some of the potential benefits.]]></description><link>https://makesmartdecisions.com/client-library-pages/5-benefits-of-working-in-retirement</link><guid isPermaLink="false">65cfddd5fdfac8b0c2fc1547</guid><category><![CDATA[Lifestyle]]></category><category><![CDATA[Infographic]]></category><category><![CDATA[Retirement]]></category><pubDate>Tue, 03 Dec 2024 03:52:14 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/1TTMSjPJX3Y/intro.png"/><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/infographic" slug="infographic" name="Infographic"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[A Look at Systematic Withdrawals]]></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://www.library-messages.com/427c4881-9477-4f50-9e84-573bc12ca21a/resource-center/retirement/a-look-at-systematic-withdrawals</link><guid isPermaLink="false">65e0ea6d12865cbee1456dcc</guid><category><![CDATA[Retirement]]></category><category><![CDATA[Trending Topics]]></category><category><![CDATA[Calculator]]></category><pubDate>Thu, 29 Feb 2024 08:53:44 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/kVhsFlpqpZB/041-largethumb-a.jpg"/><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/trending-topics" slug="trending-topics" name="Trending Topics"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/calculator" slug="calculator" name="Calculator"/></item><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[3 Estate Challenges for Blended Families]]></title><description><![CDATA[Preparing your estate can be complicated, and if you're a part of a blended family, estate decisions can be even more complex and nuanced. Here are a few case studies to help illustrate some of the challenges.]]></description><link>https://makesmartdecisions.com/client-library-pages/3-estate-challenges-for-blended-families</link><guid isPermaLink="false">65cfe009fdfac8b0c2fc1d99</guid><category><![CDATA[Estate Planning]]></category><pubDate>Fri, 16 Feb 2024 10:24:23 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/b_Ojife2Abm/family1.png"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate-planning" slug="estate-planning" name="Estate Planning"/></item><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[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[Retirement Seen Through Your Eyes]]></title><description><![CDATA[READ TIME: 4 MIN
How do you picture your future? Some see retirement as a time to start a new career. Others see it as a time to travel. Still others plan to spend more time with family and friends. With that in mind, here are some things to consider.]]></description><link>https://makesmartdecisions.com/client-library-pages/retirement-seen-through-your-eyes</link><guid isPermaLink="false">65cfe0de8083953952aa0c7e</guid><category><![CDATA[Retirement]]></category><pubDate>Fri, 16 Feb 2024 08:54:11 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/qxKEGkED5E5/Laptop2.png"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[A BRIEF HISTORY OF ESTATE TAXES]]></title><description><![CDATA[READ TIME: 4 MIN
Federal estate taxes have been a source of funding for the federal government almost since the U.S. was founded. Let's take a look at the timeline. ]]></description><link>https://makesmartdecisions.com/client-library-pages/a-brief-history-of-estate-taxes</link><guid isPermaLink="false">5c8a746f4fd4df7be0e12a36</guid><category><![CDATA[Tax]]></category><pubDate>Wed, 07 Feb 2024 10:04:52 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/tax" slug="tax" name="Tax"/></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[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[Test Your Estate Strategy Knowledge - Quiz!]]></title><description><![CDATA[Test your knowledge on Estate strategy with this short quiz!]]></description><link>https://makesmartdecisions.com/client-library-pages/test-your-estate-strategy-knowledge-quiz</link><guid isPermaLink="false">64d3d1592dc946557327853f</guid><category><![CDATA[Estate Planning]]></category><pubDate>Wed, 09 Aug 2023 05:52:32 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/BA2e1qAi5X9/nik-korba-3WceTBlUoMs-unsplash.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate-planning" slug="estate-planning" name="Estate Planning"/></item><item><title><![CDATA[Retiring Earlier Than Expected? What To Know]]></title><description><![CDATA[Many Americans, through circumstances beyond their control, find themselves needing to retire earlier than anticipated. Whatever the circumstances, it’s difficult not to feel wrongfooted and hurried by the situation. However, it’s important to get yourself back on track as soon as possible. ]]></description><link>https://makesmartdecisions.com/client-library-pages/retiring-earlier-than-expected-what-to-know</link><guid isPermaLink="false">64d3d02f2dc94655732783e2</guid><category><![CDATA[Retirement]]></category><pubDate>Wed, 09 Aug 2023 05:47:49 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/6pTX4dMMLTH/Retirement-Banner.png"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement" slug="retirement" name="Retirement"/></item><item><title><![CDATA[Strategies for Managing Student Loan Debt]]></title><description><![CDATA[If college were a party, then student loans are the hangover.

Unfortunately, the "hair of the dog" won't cure this headache, but here are some ideas for managing your student loan debt.]]></description><link>https://makesmartdecisions.com/client-library-pages/strategies-for-managing-student-loan-debt</link><guid isPermaLink="false">64d3cf012dc94655732782ae</guid><category><![CDATA[College Planning]]></category><category><![CDATA[Loans & Credit]]></category><category><![CDATA[Trending Topics]]></category><pubDate>Wed, 09 Aug 2023 05:43:01 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/WGL44fUuWlS/cole-keister-vEgVWRBr2VY-unsplash.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/loans-and-credit" slug="loans-and-credit" name="Loans &amp; Credit"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/trending-topics" slug="trending-topics" name="Trending Topics"/></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[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[Loan 101 For First-Time Homebuyers: What Is a Mortgage and How Does It Work?]]></title><description><![CDATA[In today’s market, you can often put down significantly less to get out of your rented space and into a new home. Yes, 20 percent is still a good number to aim for, but having less than that doesn’t mean you can’t afford to buy a house.]]></description><link>https://makesmartdecisions.com/client-library-pages/loan-101-for-first-time-homebuyers-what-is-a-mortgage-and-how-does-it-work</link><guid isPermaLink="false">63879c70e0a9eff2653e1056</guid><category><![CDATA[Tax]]></category><category><![CDATA[Financial Literacy]]></category><category><![CDATA[Loans & Credit]]></category><pubDate>Wed, 30 Nov 2022 06:53:46 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/n8zjQgBlr8/loan_101_for_first_time_homebuyers_what_is_a_mortgage_and_how_does_it_work.jpg"/><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/financial-literacy" slug="financial-literacy" name="Financial Literacy"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/loans-and-credit" slug="loans-and-credit" name="Loans &amp; Credit"/></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[[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[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[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[eMoney Document Vault Overview]]></title><description><![CDATA[The Vault feature of your eMoney personal financial website allows you to safely and securely store important documents and files. This is also a wonderful tool for securely sharing documents with your financial advisor.]]></description><link>https://makesmartdecisions.com/client-library-pages/emoney-document-vault-overview</link><guid isPermaLink="false">6376a35c970b30fadd88fd56</guid><category><![CDATA[Full Circle Bulletin]]></category><pubDate>Wed, 16 Nov 2022 06:58:17 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/yTAjO4WnKA/eMoney-Int.png"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/full-circle-bulletin" slug="full-circle-bulletin" name="Full Circle Bulletin"/></item><item><title><![CDATA[Phantom Stock for Company Executives: Why It's Not as Scary as It Sounds]]></title><description><![CDATA[As a high-level executive, your company recognizes your valuable contribution to progress and growth. In response, your compensation package looks a little different - and often more complicated - than lower-level employees. Equity compensation, such as stock options, is a common offering for executives, directors and managers. But the type of equity compensation offered may differ. If your company is offering you a phantom stock plan, or shadow stock, here’s what you need to know.]]></description><link>https://makesmartdecisions.com/client-library-pages/phantom-stock-for-company-executives-why-its-not-as-scary-as-it-sounds</link><guid isPermaLink="false">6047cf330401432bd1cde971</guid><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Tax]]></category><category><![CDATA[Money]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Tue, 09 Mar 2021 07:41:56 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/61kb5-FNcd/feature_phantom-stock-for-company-executives-why-its-not-as-scary-as-it-sounds.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/tax" slug="tax" name="Tax"/><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[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[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[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[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[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[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[TRAVEL, WITHOUT THE BAGGAGE]]></title><link>https://makesmartdecisions.com/client-library-pages/travel-without-the-baggage</link><guid isPermaLink="false">5c8a838edfb2a3158c907135</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:38:55 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[TOP NEW DIGITAL TOOLS FOR SMALL BUSINESSES]]></title><link>https://makesmartdecisions.com/client-library-pages/top-new-digital-tools-for-small-businesses</link><guid isPermaLink="false">5c8a83754fd4df7be0e12b10</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:38:34 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[FOUR GREAT, UNEXPECTED PLACES TO RAISE A FAMILY]]></title><link>https://makesmartdecisions.com/client-library-pages/four-great-unexpected-places-to-raise-a-family</link><guid isPermaLink="false">5c8a834ddfb2a3158c907134</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:37:57 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[MASTERING MOBILE LINGO]]></title><link>https://makesmartdecisions.com/client-library-pages/mastering-mobile-lingo</link><guid isPermaLink="false">5c8a83254fd4df7be0e12b0c</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:37:22 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[KEEPING GOOD RECORDS IS GOOD BUSINESS]]></title><link>https://makesmartdecisions.com/client-library-pages/keeping-good-records-is-good-business</link><guid isPermaLink="false">5c8a830e4fd4df7be0e12b0b</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:36:45 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[DEBT STRESS]]></title><link>https://makesmartdecisions.com/client-library-pages/debt-stress</link><guid isPermaLink="false">5c8a82ee4fd4df7be0e12b0a</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:36:14 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[PLEASE LEAVE HOME WITHOUT IT]]></title><link>https://makesmartdecisions.com/client-library-pages/please-leave-home-without-it</link><guid isPermaLink="false">5c8a82cedfb2a3158c90712e</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:35:38 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[STOP WASTING MONEY]]></title><link>https://makesmartdecisions.com/client-library-pages/stop-wasting-money</link><guid isPermaLink="false">5c8a82b5dfb2a3158c90712a</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:35:10 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[SAVING ON FITNESS CENTER MEMBERSHIP COSTS]]></title><link>https://makesmartdecisions.com/client-library-pages/saving-on-fitness-center-membership-costs</link><guid isPermaLink="false">5c8a82a3dfb2a3158c907129</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:34:50 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[THE FINANCIAL LITERACY CRISIS]]></title><link>https://makesmartdecisions.com/client-library-pages/the-financial-literacy-crisis</link><guid isPermaLink="false">5c8a8289dfb2a3158c907128</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:34:32 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[A CHEAT SHEET FOR SENDING YOUR KID TO COLLEGE]]></title><link>https://makesmartdecisions.com/client-library-pages/a-cheat-sheet-for-sending-your-kid-to-college</link><guid isPermaLink="false">5c8a826e4fd4df7be0e12b05</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:33:58 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[BITCOIN 101]]></title><link>https://makesmartdecisions.com/client-library-pages/bitcoin-101</link><guid isPermaLink="false">5c8a8221dfb2a3158c907126</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:32:43 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[PERSONAL FINANCE TIPS FOR MILITARY FAMILIES]]></title><link>https://makesmartdecisions.com/client-library-pages/personal-finance-tips-for-military-families</link><guid isPermaLink="false">5c8a820a4fd4df7be0e12afe</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:32:18 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[PREVENT A RIFT: MONEY TIPS FOR NEWLYWEDS]]></title><link>https://makesmartdecisions.com/client-library-pages/prevent-a-rift-money-tips-for-newlyweds</link><guid isPermaLink="false">5c8a81f44fd4df7be0e12afa</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:32:02 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[CROWDFUNDING—CAPITAL FOR THE 21ST CENTURY]]></title><link>https://makesmartdecisions.com/client-library-pages/crowdfundingcapital-for-the-21st-century</link><guid isPermaLink="false">5c8a81dc4fd4df7be0e12af9</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:31:32 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[PUTTING A PRICE TAG ON YOUR HEALTH]]></title><link>https://makesmartdecisions.com/client-library-pages/putting-a-price-tag-on-your-health</link><guid isPermaLink="false">5c8a81bedfb2a3158c907124</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:31:04 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[COUNTDOWN TO COLLEGE]]></title><link>https://makesmartdecisions.com/client-library-pages/countdown-to-college</link><guid isPermaLink="false">5c8a81a94fd4df7be0e12af6</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:30:40 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[DO YOUR KIDS KNOW THE VALUE OF A SILVER SPOON?]]></title><link>https://makesmartdecisions.com/client-library-pages/do-your-kids-know-the-value-of-a-silver-spoon</link><guid isPermaLink="false">5c8a81934fd4df7be0e12af5</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:30:20 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[HEALTHY BODY, HEALTHY POCKETBOOK]]></title><link>https://makesmartdecisions.com/client-library-pages/healthy-body-healthy-pocketbook</link><guid isPermaLink="false">5c8a817bdfb2a3158c907123</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:29:58 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[A HOUSE DIVIDED]]></title><link>https://makesmartdecisions.com/client-library-pages/a-house-divided</link><guid isPermaLink="false">5c8a8165dfb2a3158c907122</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:29:37 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[TO CATCH A THIEF]]></title><link>https://makesmartdecisions.com/client-library-pages/to-catch-a-thief</link><guid isPermaLink="false">5c8a81484fd4df7be0e12aef</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:29:13 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[SHOULD YOU CHOOSE A FIXED OR VARIABLE?]]></title><link>https://makesmartdecisions.com/client-library-pages/should-you-choose-a-fixed-or-variable</link><guid isPermaLink="false">5c8a813a4fd4df7be0e12aed</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:28:51 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[LOTS OF VARIABLES WITH FIXED-RATE MORTGAGES]]></title><link>https://makesmartdecisions.com/client-library-pages/lots-of-variables-with-fixed-rate-mortgages</link><guid isPermaLink="false">5c8a81174fd4df7be0e12aea</guid><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:28:33 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[A PENNY SAVED IS TWO PENNIES EARNED]]></title><link>https://makesmartdecisions.com/client-library-pages/a-penny-saved-is-two-pennies-earned</link><guid isPermaLink="false">5c8a80ba4fd4df7be0e12ae6</guid><category><![CDATA[Money]]></category><pubDate>Thu, 14 Mar 2019 16:26:51 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/money" slug="money" name="Money"/></item><item><title><![CDATA[WHAT TO LOOK FOR IN PERSONAL FINANCE APPS]]></title><link>https://makesmartdecisions.com/client-library-pages/what-to-look-for-in-personal-finance-apps</link><guid isPermaLink="false">5c8a80a24fd4df7be0e12ae5</guid><category><![CDATA[Money]]></category><pubDate>Thu, 14 Mar 2019 16:26:18 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/money" slug="money" name="Money"/></item><item><title><![CDATA[BUDGET CHECK UP: TAX TIME IS THE RIGHT TIME]]></title><link>https://makesmartdecisions.com/client-library-pages/budget-check-up-tax-time-is-the-right-time</link><guid isPermaLink="false">5c8a806fdfb2a3158c907114</guid><category><![CDATA[Money]]></category><pubDate>Thu, 14 Mar 2019 16:25:29 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/money" slug="money" name="Money"/></item><item><title><![CDATA[YOUR EMERGENCY FUND: HOW MUCH IS ENOUGH?]]></title><link>https://makesmartdecisions.com/client-library-pages/your-emergency-fund-how-much-is-enough</link><guid isPermaLink="false">5c8a804bdfb2a3158c907112</guid><category><![CDATA[Money]]></category><pubDate>Thu, 14 Mar 2019 16:25:03 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/money" slug="money" name="Money"/></item><item><title><![CDATA[BUYING VS. LEASING A CAR]]></title><link>https://makesmartdecisions.com/client-library-pages/buying-vs-leasing-a-car</link><guid isPermaLink="false">5c8a7ff34fd4df7be0e12add</guid><category><![CDATA[Money]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:23:25 GMT</pubDate><media:thumbnail url=""/><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[PAY YOURSELF FIRST]]></title><link>https://makesmartdecisions.com/client-library-pages/pay-yourself-first</link><guid isPermaLink="false">5c8a7fbe4fd4df7be0e12adc</guid><category><![CDATA[Money]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:22:33 GMT</pubDate><media:thumbnail url=""/><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[LIFE AND DEATH OF A TWENTY DOLLAR BILL]]></title><link>https://makesmartdecisions.com/client-library-pages/life-and-death-of-a-twenty-dollar-bill</link><guid isPermaLink="false">5c8a7fa94fd4df7be0e12ad6</guid><category><![CDATA[Money]]></category><pubDate>Thu, 14 Mar 2019 16:22:09 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/money" slug="money" name="Money"/></item><item><title><![CDATA[U.S. PERSONAL SAVINGS RATE]]></title><link>https://makesmartdecisions.com/client-library-pages/us-personal-savings-rate</link><guid isPermaLink="false">5c8a7f904fd4df7be0e12ad4</guid><category><![CDATA[Money]]></category><pubDate>Thu, 14 Mar 2019 16:21:51 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/money" slug="money" name="Money"/></item><item><title><![CDATA[HOW DOES YOUR CREDIT SCORE COMPARE?]]></title><link>https://makesmartdecisions.com/client-library-pages/how-does-your-credit-score-compare</link><guid isPermaLink="false">5c8a7f7f4fd4df7be0e12ad2</guid><category><![CDATA[Money]]></category><pubDate>Thu, 14 Mar 2019 16:21:31 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/money" slug="money" name="Money"/></item><item><title><![CDATA[SPOTTING CREDIT TROUBLE]]></title><link>https://makesmartdecisions.com/client-library-pages/spotting-credit-trouble</link><guid isPermaLink="false">5c8a7f654fd4df7be0e12ad1</guid><category><![CDATA[Money]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 16:21:10 GMT</pubDate><media:thumbnail url=""/><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[DEATH IS NO EXCUSE]]></title><link>https://makesmartdecisions.com/client-library-pages/death-is-no-excuse</link><guid isPermaLink="false">5c8a7f4edfb2a3158c90710a</guid><category><![CDATA[Tax]]></category><pubDate>Thu, 14 Mar 2019 16:20:39 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[SIX MOST OVERLOOKED TAX DEDUCTIONS]]></title><link>https://makesmartdecisions.com/client-library-pages/six-most-overlooked-tax-deductions</link><guid isPermaLink="false">5c8a7f35dfb2a3158c907109</guid><category><![CDATA[Tax]]></category><pubDate>Thu, 14 Mar 2019 16:20:13 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[RED FLAGS FOR TAX AUDITORS]]></title><link>https://makesmartdecisions.com/client-library-pages/red-flags-for-tax-auditors</link><guid isPermaLink="false">5c8a7f1fdfb2a3158c907107</guid><category><![CDATA[Tax]]></category><pubDate>Thu, 14 Mar 2019 16:19:50 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[DONATING ART: TAXATION ABSTRACTION]]></title><link>https://makesmartdecisions.com/client-library-pages/donating-art-taxation-abstraction</link><guid isPermaLink="false">5c8a7eff4fd4df7be0e12acf</guid><category><![CDATA[Tax]]></category><pubDate>Thu, 14 Mar 2019 16:19:20 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[TAX DEDUCTIONS YOU WON'T BELIEVE]]></title><link>https://makesmartdecisions.com/client-library-pages/tax-deductions-you-wont-believe</link><guid isPermaLink="false">5c8a7ecfdfb2a3158c907106</guid><category><![CDATA[Tax]]></category><pubDate>Thu, 14 Mar 2019 16:18:38 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[HOW TO MAKE THE TAX CODE WORK FOR YOU]]></title><link>https://makesmartdecisions.com/client-library-pages/how-to-make-the-tax-code-work-for-you</link><guid isPermaLink="false">5c8a7eb1dfb2a3158c907105</guid><category><![CDATA[Tax]]></category><pubDate>Thu, 14 Mar 2019 16:18:15 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[DO YOU OWE THE AMT?]]></title><link>https://makesmartdecisions.com/client-library-pages/do-you-owe-the-amt</link><guid isPermaLink="false">5c8a7e9d4fd4df7be0e12acc</guid><category><![CDATA[Tax]]></category><pubDate>Thu, 14 Mar 2019 16:17:41 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[WHAT IS A 1035 EXCHANGE?]]></title><link>https://makesmartdecisions.com/client-library-pages/what-is-a-1035-exchange</link><guid isPermaLink="false">5c8a7e83dfb2a3158c907104</guid><category><![CDATA[Tax]]></category><pubDate>Thu, 14 Mar 2019 16:17:19 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[WHAT IF YOU GET AUDITED?]]></title><link>https://makesmartdecisions.com/client-library-pages/what-if-you-get-audited</link><guid 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GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[UNDERSTANDING MARGINAL INCOME TAX BRACKETS]]></title><link>https://makesmartdecisions.com/client-library-pages/understanding-marginal-income-tax-brackets</link><guid isPermaLink="false">5c8a7e2b4fd4df7be0e12ac8</guid><category><![CDATA[Tax]]></category><pubDate>Thu, 14 Mar 2019 16:15:57 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/tax" slug="tax" name="Tax"/></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[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[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 isPermaLink="false">5c8a7a294fd4df7be0e12aab</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 15:59:07 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[VARIABLE UNIVERSAL LIFE INSURANCE]]></title><link>https://makesmartdecisions.com/client-library-pages/variable-universal-life-insurance</link><guid isPermaLink="false">5c8a7a144fd4df7be0e12aaa</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 15:58:20 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[UNIVERSAL LIFE INSURANCE]]></title><link>https://makesmartdecisions.com/client-library-pages/universal-life-insurance</link><guid isPermaLink="false">5c8a79fc4fd4df7be0e12aa8</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 15:58:01 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[IS TERM LIFE INSURANCE FOR YOU?]]></title><link>https://makesmartdecisions.com/client-library-pages/is-term-life-insurance-for-you</link><guid isPermaLink="false">5c8a79e3dfb2a3158c9070db</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 15:57:33 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[A LOOK AT WHOLE LIFE INSURANCE]]></title><link>https://makesmartdecisions.com/client-library-pages/a-look-at-whole-life-insurance</link><guid isPermaLink="false">5c8a79ce4fd4df7be0e12aa7</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 15:57:11 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></item><item><title><![CDATA[ASSESS LIFE INSURANCE NEEDS]]></title><link>https://makesmartdecisions.com/client-library-pages/assess-life-insurance-needs</link><guid isPermaLink="false">5c8a79bb4fd4df7be0e12aa2</guid><category><![CDATA[Insurance]]></category><pubDate>Thu, 14 Mar 2019 15:56:52 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/insurance" slug="insurance" name="Insurance"/></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[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[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[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 isPermaLink="false">5c8a74fadfb2a3158c906ffd</guid><category><![CDATA[Estate]]></category><category><![CDATA[Money]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 15:36:52 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/money" slug="money" name="Money"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[UNDERSTANDING THE ALTERNATE VALUATION DATE]]></title><link>https://makesmartdecisions.com/client-library-pages/understanding-the-alternate-valuation-date</link><guid isPermaLink="false">5c8a74e84fd4df7be0e12a3b</guid><category><![CDATA[Estate]]></category><pubDate>Thu, 14 Mar 2019 15:36:16 GMT</pubDate><media:thumbnail url=""/><post:categories 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 isPermaLink="false">5c8a73564fd4df7be0e12a2f</guid><category><![CDATA[Estate]]></category><pubDate>Thu, 14 Mar 2019 15:31:59 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/estate" slug="estate" name="Estate"/></item><item><title><![CDATA[THREE KEY QUESTIONS TO ANSWER BEFORE TAKING SOCIAL SECURITY]]></title><link>https://makesmartdecisions.com/client-library-pages/three-key-questions-to-answer-before-taking-social-security</link><guid isPermaLink="false">5c8a733fdfb2a3158c906f3c</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:29:10 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[IRA WITHDRAWALS THAT ESCAPE THE 10% TAX PENALTY]]></title><link>https://makesmartdecisions.com/client-library-pages/ira-withdrawals-that-escape-the-10-tax-penalty</link><guid isPermaLink="false">5c8a73294fd4df7be0e12a2c</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:28:49 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[CHOICES FOR YOUR 401(K) AT A FORMER EMPLOYER]]></title><link>https://makesmartdecisions.com/client-library-pages/choices-for-your-401k-at-a-former-employer</link><guid isPermaLink="false">5c8a73064fd4df7be0e12a2b</guid><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Money]]></category><category><![CDATA[Tax]]></category><pubDate>Thu, 14 Mar 2019 15:28:29 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/money" slug="money" name="Money"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/tax" slug="tax" name="Tax"/></item><item><title><![CDATA[SOCIAL SECURITY: THE ELEPHANT IN THE ROOM]]></title><link>https://makesmartdecisions.com/client-library-pages/social-security-the-elephant-in-the-room</link><guid isPermaLink="false">5c8a72de4fd4df7be0e12a23</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:28:00 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/LnqKR6gf5FC/christopher-alvarenga-786134-unsplash.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[SOCIAL SECURITY: FIVE FACTS YOU NEED TO KNOW]]></title><link>https://makesmartdecisions.com/client-library-pages/social-security-five-facts-you-need-to-know</link><guid isPermaLink="false">5c8a72944fd4df7be0e129eb</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:27:13 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[SOCIAL SECURITY: THE $64,000 QUESTION]]></title><link>https://makesmartdecisions.com/client-library-pages/social-security-the-dollar64000-question</link><guid isPermaLink="false">5c8a72754fd4df7be0e129ea</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:25:56 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[SOCIAL SECURITY: MAXIMIZING BENEFITS]]></title><link>https://makesmartdecisions.com/client-library-pages/social-security-maximizing-benefits</link><guid isPermaLink="false">5c8a72694fd4df7be0e129e8</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:25:38 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[SOCIAL SECURITY BENEFITS: HOW MUCH WILL I RECEIVE]]></title><link>https://makesmartdecisions.com/client-library-pages/social-security-benefits-how-much-will-i-receive</link><guid isPermaLink="false">5c8a7254dfb2a3158c906f36</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:25:18 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[VOLUNTEERING IN RETIREMENT]]></title><link>https://makesmartdecisions.com/client-library-pages/volunteering-in-retirement</link><guid isPermaLink="false">5c8a7235dfb2a3158c906f34</guid><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 15:24:49 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/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[SHOULD YOU BORROW FROM YOUR 401(K)?]]></title><link>https://makesmartdecisions.com/client-library-pages/should-you-borrow-from-your-401k</link><guid isPermaLink="false">5c8a721d4fd4df7be0e129e5</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:24:25 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[CERTAIN UNCERTAINTIES IN RETIREMENT]]></title><link>https://makesmartdecisions.com/client-library-pages/certain-uncertainties-in-retirement</link><guid isPermaLink="false">5c8a71c24fd4df7be0e129e1</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:22:51 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[MONEY THAT BUYS GOOD HEALTH IS NEVER ILL SPENT]]></title><link>https://makesmartdecisions.com/client-library-pages/money-that-buys-good-health-is-never-ill-spent</link><guid isPermaLink="false">5c8a71a8dfb2a3158c906f30</guid><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Money]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 15:22:31 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/money" slug="money" name="Money"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[INFLATION - BACK TO THE FUTURE]]></title><link>https://makesmartdecisions.com/client-library-pages/inflation-back-to-the-future</link><guid isPermaLink="false">5c8a7180dfb2a3158c906f2e</guid><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Money]]></category><pubDate>Thu, 14 Mar 2019 15:22:03 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/money" slug="money" name="Money"/></item><item><title><![CDATA[ORCHESTRATING YOUR RETIREMENT ACCOUNTS]]></title><link>https://makesmartdecisions.com/client-library-pages/orchestrating-your-retirement-accounts</link><guid isPermaLink="false">5c8a71664fd4df7be0e129e0</guid><pubDate>Thu, 14 Mar 2019 15:21:32 GMT</pubDate><media:thumbnail url=""/></item><item><title><![CDATA[IS A SEP-IRA RIGHT FOR YOUR BUSINESS?]]></title><link>https://makesmartdecisions.com/client-library-pages/is-a-sep-ira-right-for-your-business</link><guid isPermaLink="false">5c8a71424fd4df7be0e129df</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:20:54 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[CHOOSING A RETIREMENT PLAN THAT FITS YOUR BUSINESS]]></title><link>https://makesmartdecisions.com/client-library-pages/choosing-a-retirement-plan-that-fits-your-business</link><guid isPermaLink="false">5c8a71294fd4df7be0e129de</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:20:26 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[RETIREMENT INCOME AND THE TRADITIONAL PORTFOLIO]]></title><link>https://makesmartdecisions.com/client-library-pages/retirement-income-and-the-traditional-portfolio</link><guid isPermaLink="false">5c8a71044fd4df7be0e129db</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:19:42 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[CATCH-UP CONTRIBUTIONS]]></title><link>https://makesmartdecisions.com/client-library-pages/catch-up-contributions</link><guid isPermaLink="false">5c8a70e7dfb2a3158c906ea2</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:19:13 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[WHAT IS A ROTH 401(K)?]]></title><link>https://makesmartdecisions.com/client-library-pages/what-is-a-roth-401k</link><guid isPermaLink="false">5c8a6ff34fd4df7be0e129d4</guid><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Money]]></category><category><![CDATA[College Planning]]></category><pubDate>Thu, 14 Mar 2019 15:18:48 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/money" slug="money" name="Money"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/college-planning" slug="college-planning" name="College Planning"/></item><item><title><![CDATA[WHAT'S SO GREAT ABOUT A ROLLOVER?]]></title><link>https://makesmartdecisions.com/client-library-pages/whats-so-great-about-a-rollover</link><guid isPermaLink="false">5c8a6fae4fd4df7be0e129d1</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:14:05 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[CARING FOR AGING PARENTS]]></title><link>https://makesmartdecisions.com/client-library-pages/caring-for-aging-parents</link><guid isPermaLink="false">5c8a6f6edfb2a3158c906e99</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:13:10 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[IMMEDIATE VS. DEFERRED ANNUITIES]]></title><link>https://makesmartdecisions.com/client-library-pages/immediate-vs-deferred-annuities</link><guid isPermaLink="false">5c8a6f58dfb2a3158c906e98</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:12:38 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[HOW WILL WORKING AFFECT SOCIAL SECURITY BENEFITS?]]></title><link>https://makesmartdecisions.com/client-library-pages/how-will-working-affect-social-security-benefits</link><guid isPermaLink="false">5c8a6f36dfb2a3158c906e97</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:12:17 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[IMPORTANT BIRTHDAYS OVER 50]]></title><link>https://makesmartdecisions.com/client-library-pages/important-birthdays-over-50</link><guid isPermaLink="false">5c8a6f12dfb2a3158c906e91</guid><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Lifestyle]]></category><pubDate>Thu, 14 Mar 2019 15:11:39 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/lifestyle" slug="lifestyle" name="Lifestyle"/></item><item><title><![CDATA[WHERE WILL YOUR RETIREMENT MONEY COME FROM?]]></title><link>https://makesmartdecisions.com/client-library-pages/where-will-your-retirement-money-come-from</link><guid isPermaLink="false">5c8a6ef7dfb2a3158c906e8f</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:11:04 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[TRADITIONAL VS. ROTH IRA]]></title><link>https://makesmartdecisions.com/client-library-pages/traditional-vs-roth-ira</link><guid isPermaLink="false">5c8a6ed34fd4df7be0e129cc</guid><category><![CDATA[Retirement Funding]]></category><category><![CDATA[Money]]></category><pubDate>Thu, 14 Mar 2019 15:10:31 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/money" slug="money" name="Money"/></item><item><title><![CDATA[HEALTHCARE COSTS IN RETIREMENT]]></title><link>https://makesmartdecisions.com/client-library-pages/healthcare-costs-in-retirement</link><guid isPermaLink="false">5c8a6eaa4fd4df7be0e129cb</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:09:38 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[THE COST OF PROCRASTINATION]]></title><link>https://makesmartdecisions.com/client-library-pages/the-cost-of-procrastination</link><guid isPermaLink="false">5c8a6e944fd4df7be0e129c9</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:09:17 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></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><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[Retiring? Keep Your Budget in Check]]></title><description><![CDATA[The transition into retirement can be overwhelming. Furthermore, every insurance agent and broker seems to want to sell you a high-priced annuity loaded with hidden fees and surrender charges. Learn how to avoid spending more than you should to feel secure in your retirement.]]></description><link>https://makesmartdecisions.com/client-library-pages/retiring-keep-your-budget-in-check</link><guid isPermaLink="false">5c057ba2d9a01706b78b3715</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:06:20 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/587f882503dfb2173bf0b7d6/rJdB3uctl/grocery.jpg"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></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[9 FACTS ABOUT RETIREMENT]]></title><link>https://makesmartdecisions.com/client-library-pages/9-facts-about-retirement</link><guid isPermaLink="false">5c8a6d41dfb2a3158c906e00</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:03:43 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[WHAT IS AN ANNUITY?]]></title><link>https://makesmartdecisions.com/client-library-pages/what-is-an-annuity</link><guid isPermaLink="false">5c8a6d1f4fd4df7be0e1288a</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 15:03:18 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></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" name="Insurance"/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/money" slug="money" name="Money"/></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[THE HISTORY OF RETIREMENT]]></title><link>https://makesmartdecisions.com/client-library-pages/the-history-of-retirement</link><guid isPermaLink="false">5c8a6c1fdfb2a3158c906ded</guid><category><![CDATA[Retirement Funding]]></category><pubDate>Thu, 14 Mar 2019 14:58:54 GMT</pubDate><media:thumbnail url=""/><post:categories url="https://makesmartdecisions.com/client-library-pages/category/retirement-funding" slug="retirement-funding" name="Retirement Funding"/></item><item><title><![CDATA[9 FACTS ABOUT SOCIAL SECURITY]]></title><description><![CDATA[READ TIME: 3 MIN
Social Security has been a fact of retirement life ever since it was established in 1935. We all think we know how it works, but how much do you really know? Here are nine things that might surprise you.]]></description><link>https://makesmartdecisions.com/client-library-pages/9-facts-about-social-security</link><guid isPermaLink="false">5c8a6e504fd4df7be0e129c5</guid><category><![CDATA[Retirement]]></category><category><![CDATA[Financial Literacy]]></category><pubDate>Thu, 14 Mar 2019 10:11:40 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/rkFP5nFTG_7/SS-card.png"/><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"/></item><item><title><![CDATA[A Bucket Plan to Go with Your Bucket List]]></title><description><![CDATA[READ TIME: 2 MIN
Let's explore a fictional couple nearing retirement, and who have a lot of items on their bucket list. Longer life expectancies mean they may need to prepare for 2, maybe 3 decades of retirement. How should they position their money?]]></description><link>https://makesmartdecisions.com/client-library-pages/a-bucket-plan-to-go-with-your-bucket-list</link><guid isPermaLink="false">5c8a71114fd4df7be0e129dc</guid><category><![CDATA[Lifestyle]]></category><category><![CDATA[Retirement]]></category><pubDate>Thu, 14 Mar 2019 09:56:22 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/5c057b7824b1ae1d5efa789e/DwbvDjY9qK9/javier-allegue-barros-C7B-ExXpOIE-unsplash.jpg"/><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[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>