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	<title>FiGuide - A Retirement Plan That Works! &#187; Troy Von Haefen, 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>Here&#8217;s the Right Way to File Your 1099s</title>
		<link>http://www.figuide.com/heres-the-right-way-to-file-your-1099s.html</link>
		<comments>http://www.figuide.com/heres-the-right-way-to-file-your-1099s.html#comments</comments>
		<pubDate>Thu, 12 Jan 2012 18:24:00 +0000</pubDate>
		<dc:creator>Troy Von Haefen, CFP®</dc:creator>
				<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Taxes]]></category>

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		<description><![CDATA[If you are a small business owner and pay an individual or business more than $600 in a year, you (the business owner) will need to send that business or individual a 1099. ]]></description>
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		<title>Why Dividend Investing is Risker Than you Think</title>
		<link>http://www.figuide.com/why-divident-investing-is-risker-than-you-think.html</link>
		<comments>http://www.figuide.com/why-divident-investing-is-risker-than-you-think.html#comments</comments>
		<pubDate>Thu, 03 Nov 2011 15:18:37 +0000</pubDate>
		<dc:creator>Troy Von Haefen, CFP®</dc:creator>
				<category><![CDATA[Invest]]></category>
		<category><![CDATA[Investing Strategies]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[Savings]]></category>

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		<description><![CDATA[Many investors seek stocks that have high dividend yields as a means of generating higher returns that can be had in other "safer" accounts like CD's, money-markets, and more.  However, don't let the perceived safeness of dividend investing fool you.  Risks are prevalent and here's why.]]></description>
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		<title>The Best Financial Decision That You Can Ever Make</title>
		<link>http://www.figuide.com/the-best-financial-decision-that-you-can-ever-make.html</link>
		<comments>http://www.figuide.com/the-best-financial-decision-that-you-can-ever-make.html#comments</comments>
		<pubDate>Tue, 25 Oct 2011 10:00:28 +0000</pubDate>
		<dc:creator>Troy Von Haefen, CFP®</dc:creator>
				<category><![CDATA[Learn]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Insurance]]></category>

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		<description><![CDATA[The best financial decision you may make in your lifetime may not benefit you, but it will directly benefit those you care about.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Beware of These Two Popular Custodial Accounts</title>
		<link>http://www.figuide.com/beware-of-these-two-popular-custodial-accounts.html</link>
		<comments>http://www.figuide.com/beware-of-these-two-popular-custodial-accounts.html#comments</comments>
		<pubDate>Mon, 22 Aug 2011 17:42:49 +0000</pubDate>
		<dc:creator>Troy Von Haefen, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://vhfinancialmanagement.com/?p=579</guid>
		<description><![CDATA[Grandparents often gift money or assets to their grandchildren with the intention for those assets to be used for college, or parents simply set aside money for the proud day when their children go off to college. Most often these gifts end up in the child’s name in the form of a custodial account with a parent acting as the custodian of the assets.  There are two types of custodial accounts: Uniform Transfer to Minors Act (UTMA) and Uniform Gift to Minors Act (UGMA). ]]></description>
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		<title>7 Tips For Investing in Uncertain Times</title>
		<link>http://www.figuide.com/7-tips-for-investing-in-uncertain-times.html</link>
		<comments>http://www.figuide.com/7-tips-for-investing-in-uncertain-times.html#comments</comments>
		<pubDate>Mon, 15 Aug 2011 13:36:01 +0000</pubDate>
		<dc:creator>Troy Von Haefen, CFP®</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Taxes]]></category>

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		<description><![CDATA[Okay, Now What? After a couple of tough weeks for the market, the level of fear seems to be at a pinnacle. While fear is not always a bad thing, when it comes to investment decisions, fear is not a factor we want creeping into to our thought process. Many people have said that fear and greed drive the market.  We can &#8230; <a href="http://vhfinancialmanagement.com/2011/08/10/seven-tips-for-uncertainty">Continue reading <span>&#8594;</span></a>]]></description>
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		<title>5 Financial Things To Do Before The End of the Year</title>
		<link>http://www.figuide.com/5-financial-things-to-do-before-the-end-of-the-year.html</link>
		<comments>http://www.figuide.com/5-financial-things-to-do-before-the-end-of-the-year.html#comments</comments>
		<pubDate>Wed, 13 Jul 2011 08:00:24 +0000</pubDate>
		<dc:creator>Troy Von Haefen, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://vhfinancialmanagement.com/?p=543</guid>
		<description><![CDATA[Here we are right in the middle of the dog days of summer. The weather’s hot, and the pace of life slows. The vision of a rocking chair and cold iced tea comes to mind. While we sit back and breathe a sigh of contemplative relaxation, we also need to be aware. ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Five Fundamentals of Financial Success!</title>
		<link>http://www.figuide.com/the-five-fundamentals-of-financial-success.html</link>
		<comments>http://www.figuide.com/the-five-fundamentals-of-financial-success.html#comments</comments>
		<pubDate>Fri, 08 Jul 2011 11:05:37 +0000</pubDate>
		<dc:creator>Troy Von Haefen, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Taxes]]></category>

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		<description><![CDATA[The Five Fundamentals of Financial Success is always a great starting point when it comes to financial planning. Matter of fact, every new client I meet with, wealthy or not, gets to hear my commentary on these five gems. Even though these financial nuggets seem simple, the effectiveness is real]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Ten Ways to Save Money Without Limiting Your Lifestyle</title>
		<link>http://www.figuide.com/ten-ways-to-save-money-without-limiting-your-lifestyle.html</link>
		<comments>http://www.figuide.com/ten-ways-to-save-money-without-limiting-your-lifestyle.html#comments</comments>
		<pubDate>Thu, 23 Jun 2011 19:54:22 +0000</pubDate>
		<dc:creator>Troy Von Haefen, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://vhfinancialmanagement.com/?p=519</guid>
		<description><![CDATA[We all know we need to save more money, but nobody wants to limit their lifestyle just to save a few bucks.  Well don't worry.  Follow these 10 tips that will help you save more without having to give up your favorite activities and treats. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Where to Start With Your Financial Planning</title>
		<link>http://www.figuide.com/where-to-start-with-your-financial-planning.html</link>
		<comments>http://www.figuide.com/where-to-start-with-your-financial-planning.html#comments</comments>
		<pubDate>Mon, 20 Jun 2011 10:57:34 +0000</pubDate>
		<dc:creator>Troy Von Haefen, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://vhfinancialmanagement.com/?p=497</guid>
		<description><![CDATA[What is financial planning? Ask that question to the average Joe or Jane and the answer is usually centered on investments. Even some financial planners may operate with an investment centric model, but I don’t. Here’s why! ]]></description>
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		<slash:comments>2</slash:comments>
		</item>
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		<title>The Expiration of The Making Work Pay Credit</title>
		<link>http://www.figuide.com/the-expiration-of-the-making-work-pay-credit.html</link>
		<comments>http://www.figuide.com/the-expiration-of-the-making-work-pay-credit.html#comments</comments>
		<pubDate>Tue, 14 Jun 2011 19:19:14 +0000</pubDate>
		<dc:creator>Troy Von Haefen, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://vhfinancialmanagement.com/?p=490</guid>
		<description><![CDATA[The Making Work Pay Credit benefited most earners with a $400 credit ($800 for a couple). The credit was not renewed for tax year 2011, so; therefore, we can’t forget to include its expiration in our 2011 tax planning.]]></description>
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		<slash:comments>5</slash:comments>
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