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	<title>FiGuide - A Retirement Plan That Works! &#187; Kevin F. Jacobs, CFP®</title>
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	<description>FiGuide&#039;s free daily tips provides short, actionable strategies to help you achieve a successful, worry-free retirement.</description>
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		<title>Avoid These Common Tax Filing Mistakes</title>
		<link>http://www.figuide.com/avoid-these-common-tax-filing-mistakes.html</link>
		<comments>http://www.figuide.com/avoid-these-common-tax-filing-mistakes.html#comments</comments>
		<pubDate>Wed, 09 Feb 2011 10:52:50 +0000</pubDate>
		<dc:creator>Kevin F. Jacobs, CFP®</dc:creator>
				<category><![CDATA[Tax Planning]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=9229</guid>
		<description><![CDATA[Millions of tax filers file their taxes themselves forgoing the costs of an accountant or tax advisor, however, there are three common mistakes that self-filers make year after year.  Here are some tips on how to avoid these common tax filing mistakes.]]></description>
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		<title>How To Reduce Your Tax Liability</title>
		<link>http://www.figuide.com/how-to-reduce-your-tax-liability.html</link>
		<comments>http://www.figuide.com/how-to-reduce-your-tax-liability.html#comments</comments>
		<pubDate>Mon, 15 Nov 2010 19:35:59 +0000</pubDate>
		<dc:creator>Kevin F. Jacobs, CFP®</dc:creator>
				<category><![CDATA[Tax Planning]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=8118</guid>
		<description><![CDATA[Many people fail to plan when it comes to taxes.  You can save significant amounts of money regarding your tax liability if you are willing to be plan.  Below you will find some proactive tax planning strategies:]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Why It Matters How Your Advisor Gets Compensated</title>
		<link>http://www.figuide.com/why-it-matters-how-your-advisor-gets-compensated.html</link>
		<comments>http://www.figuide.com/why-it-matters-how-your-advisor-gets-compensated.html#comments</comments>
		<pubDate>Wed, 20 Oct 2010 02:43:41 +0000</pubDate>
		<dc:creator>Kevin F. Jacobs, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=7732</guid>
		<description><![CDATA[I get asked a lot of times what is a “fee-only” advisor and why should I work with one?  Let me answer these frequent questions.  First, a fee-only financial advisor’s compensation comes directly from the client.]]></description>
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		<title>What Makes a Fee-Only Advisor Differnet?</title>
		<link>http://www.figuide.com/what-makes-a-fee-only-advisor-differnet.html</link>
		<comments>http://www.figuide.com/what-makes-a-fee-only-advisor-differnet.html#comments</comments>
		<pubDate>Wed, 02 Jun 2010 14:41:02 +0000</pubDate>
		<dc:creator>Kevin F. Jacobs, CFP®</dc:creator>
				<category><![CDATA[Fee-Only Advising]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=6349</guid>
		<description><![CDATA[
I am frequently asked:  what is a “fee-only advisor” and why  should I work with one?  First, a fee-only advisor’s compensation comes  directly from the client.  The advisor does not receive any commissions  or referral fees from selling financial products (such as annuities,  insurance or investments).  A fee-only advisor may receive compensation  from assets under management, retainer fees or an hourly rate.  I focus  the majority of my business on retainer fees.
In contrast, a “fee-based” advisor receives compensation from both  charging a fee for completing a financial ...]]></description>
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		<title>Taking Stock of the Dow</title>
		<link>http://www.figuide.com/taking-stock-of-the-dow.html</link>
		<comments>http://www.figuide.com/taking-stock-of-the-dow.html#comments</comments>
		<pubDate>Thu, 06 May 2010 21:58:40 +0000</pubDate>
		<dc:creator>Kevin F. Jacobs, CFP®</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=6326</guid>
		<description><![CDATA[
Today was  an unprecedented day in the stock market.  At one  point the Dow Jones was down  nearly 1,000 points (I can’t believe I am  even writing that number).
I want to  stress that the best  thing to do is to remain focused on  the things you can control, i.e. your  savings rate, your asset  allocation, your debt-to-income ratio, etc.  You can  not do anything  about what the market does day to day,  but you  can do something about  those things ...]]></description>
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		<title>Avoiding the Extremes</title>
		<link>http://www.figuide.com/avoiding-the-extremes.html</link>
		<comments>http://www.figuide.com/avoiding-the-extremes.html#comments</comments>
		<pubDate>Mon, 19 Apr 2010 03:51:43 +0000</pubDate>
		<dc:creator>Kevin F. Jacobs, CFP®</dc:creator>
				<category><![CDATA[Fee-Only Advising]]></category>

		<guid isPermaLink="false">http://stepbystepfinancialplanning.com/blog/?p=274</guid>
		<description><![CDATA[I believe one of my greatest responsibilities is to help my clients avoid extremes.  It seems like there is a lot of &#8220;extreme&#8221; talk right now.  I hear it everywhere.  Regarding politics, this is either the worst time in American history (if you are a conservative) or this is the beginning of a new era [...]]]></description>
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		<title>Preparing Your Finances For Tomorrow</title>
		<link>http://www.figuide.com/revisiting-financial-security.html</link>
		<comments>http://www.figuide.com/revisiting-financial-security.html#comments</comments>
		<pubDate>Tue, 06 Apr 2010 04:46:25 +0000</pubDate>
		<dc:creator>Kevin F. Jacobs, CFP®</dc:creator>
				<category><![CDATA[Tax Planning]]></category>

		<guid isPermaLink="false">http://stepbystepfinancialplanning.com/blog/?p=264</guid>
		<description><![CDATA[As I talk to more and more people about their experiences over the last 18 months during what the popular culture has called the &#8220;Great Recession,&#8221; I am witnessing some common themes of concern:
1.  The stock market is up [...]]]></description>
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		<title>Cash Is King!</title>
		<link>http://www.figuide.com/cash-is-king.html</link>
		<comments>http://www.figuide.com/cash-is-king.html#comments</comments>
		<pubDate>Wed, 20 Jan 2010 19:52:39 +0000</pubDate>
		<dc:creator>Kevin F. Jacobs, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[investment advice]]></category>

		<guid isPermaLink="false">http://stepbystepfinancialplanning.com/blog/?p=247</guid>
		<description><![CDATA[One of the greatest risks that I see in a lot of people’s financial portfolios is that they do not have enough cash.  My business serves a wide range of individuals and families and I get to review their financial life from an objective perspective.  I have found some couples, who even after the market downturn in the fall of 2008, still have not learned the value of having “ready cash” and “emergency cash.”[...]]]></description>
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		<title>Leverage Your Greatest Asset: Yourself</title>
		<link>http://www.figuide.com/leverage-your-greatest-asset-yourself.html</link>
		<comments>http://www.figuide.com/leverage-your-greatest-asset-yourself.html#comments</comments>
		<pubDate>Thu, 27 Aug 2009 01:51:52 +0000</pubDate>
		<dc:creator>Kevin F. Jacobs, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[career]]></category>
		<category><![CDATA[entrepreneur]]></category>

		<guid isPermaLink="false">http://stepbystepfinancialplanning.com/blog/?p=183</guid>
		<description><![CDATA[What do you think of when you think of your greatest asset?  You may think of your home, investment accounts, vehicles or a family heirloom.  In reality, you have an asset that is far greater than any of the aforementioned items.  The greatest asset you have is yourself and the ability you have to earn [...]]]></description>
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		<title>Should I Refinance My House?</title>
		<link>http://www.figuide.com/should-i-refinance-my-home.html</link>
		<comments>http://www.figuide.com/should-i-refinance-my-home.html#comments</comments>
		<pubDate>Fri, 21 Aug 2009 20:13:03 +0000</pubDate>
		<dc:creator>Kevin F. Jacobs, CFP®</dc:creator>
				<category><![CDATA[Questions]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[refinancing]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=2428</guid>
		<description><![CDATA[I was recently asked if I could comment on the feasibility of refinancing.  I thought my response to that question would make for a good article.  Keep in mind my answer will just barely approach the subject and that it is important that you have someone look over the exact facts of your situation to evaluate if you should refinance or not.  I strongly recommend working with a fee-only financial advisor before you meet with a mortgage broker.  A fee-only advisor can be your advocate and help you to better ...]]></description>
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