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	<title>FiGuide - A Retirement Plan That Works! &#187; IRA Center</title>
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	<link>http://www.figuide.com</link>
	<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>A Must Read Before You Set-up A Self-Directed IRA</title>
		<link>http://www.figuide.com/a-must-read-before-you-set-up-a-self-directed-ira.html</link>
		<comments>http://www.figuide.com/a-must-read-before-you-set-up-a-self-directed-ira.html#comments</comments>
		<pubDate>Fri, 20 Jan 2012 02:06:59 +0000</pubDate>
		<dc:creator>Ana Maria Martinetti-Katz, CFP®, CPA, MBA</dc:creator>
				<category><![CDATA[IRA Center]]></category>

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		<description><![CDATA[With the market fluctuations of late, investors are growing increasingly concerned and tired of watching their portfolio holdings lose value by the day. This is causing a lot of buzz in the area of Self‐Directed IRAs.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Here&#8217;s How You Can Get Tax-Free Income From a Roth IRA Conversion</title>
		<link>http://www.figuide.com/heres-how-you-can-get-tax-free-income-from-a-roth-ira-conversion.html</link>
		<comments>http://www.figuide.com/heres-how-you-can-get-tax-free-income-from-a-roth-ira-conversion.html#comments</comments>
		<pubDate>Wed, 21 Dec 2011 17:20:34 +0000</pubDate>
		<dc:creator>Jim Blankenship, CFP®, EA</dc:creator>
				<category><![CDATA[IRA Center]]></category>
		<category><![CDATA[conversion]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[QRP]]></category>
		<category><![CDATA[Roth Conversion]]></category>
		<category><![CDATA[Roth IRA]]></category>

		<guid isPermaLink="false">http://financialducksinarow.com/?p=4472</guid>
		<description><![CDATA[If you’re in a relatively low tax bracket and have funds in a traditional IRA or Qualified Retirement Plan, chances are you might be in a position to set yourself up with tax-free income via a Roth Conversion.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How to Undo a Roth IRA Conversion and Save Money</title>
		<link>http://www.figuide.com/how-to-undo-a-roth-ira-conversion-and-save-money.html</link>
		<comments>http://www.figuide.com/how-to-undo-a-roth-ira-conversion-and-save-money.html#comments</comments>
		<pubDate>Thu, 29 Sep 2011 02:01:14 +0000</pubDate>
		<dc:creator>Ara Oghoorian, CFA, CFP®</dc:creator>
				<category><![CDATA[IRA Center]]></category>
		<category><![CDATA[Recharacterization]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Traditional IRA]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=14139</guid>
		<description><![CDATA[If you converted a 401k or an IRA to a Roth IRA in 2011 and lost money because of the downturn in the market, then you need to read this.  Their is only a short window for you to re-do that Roth IRA conversion and save yourself a lot of money.  Read on to see why.]]></description>
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		<slash:comments>4</slash:comments>
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		<title>The Pros and Cons of Establishing a Roth IRA For Your Child</title>
		<link>http://www.figuide.com/the-pros-and-cons-of-establishing-a-roth-ira-for-your-child.html</link>
		<comments>http://www.figuide.com/the-pros-and-cons-of-establishing-a-roth-ira-for-your-child.html#comments</comments>
		<pubDate>Fri, 09 Sep 2011 02:32:22 +0000</pubDate>
		<dc:creator>Jim Blankenship, CFP®, EA</dc:creator>
				<category><![CDATA[IRA Center]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Roth IRA]]></category>

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		<description><![CDATA[Thinking of opening a Roth IRA for your child?  Sure there are many pros to doing so including tax-deferred savings among others, however there are some cons that need to be considered before signing on the dotted line. ]]></description>
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		<title>Contribute to a Roth IRA Even If Your Income is Too High</title>
		<link>http://www.figuide.com/contribute-to-a-roth-ira-even-if-your-income-is-too-high.html</link>
		<comments>http://www.figuide.com/contribute-to-a-roth-ira-even-if-your-income-is-too-high.html#comments</comments>
		<pubDate>Thu, 01 Sep 2011 09:34:12 +0000</pubDate>
		<dc:creator>Jim Blankenship, CFP®, EA</dc:creator>
				<category><![CDATA[IRA Center]]></category>
		<category><![CDATA[conversion]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[Roth Conversion]]></category>
		<category><![CDATA[Roth IRA]]></category>

		<guid isPermaLink="false">http://financialducksinarow.com/?p=4169</guid>
		<description><![CDATA[Roth IRA's offer investors the ability to withdraw money during their retirement tax-free, but the catch with the Roth IRA is that you can only contribute to a Roth IRA if you're income is below a certain threshold.  There may now be a way to contribute to a Roth IRA even if you are a high earner above the threshold.]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Pros and Cons of an IRA</title>
		<link>http://www.figuide.com/pros-and-cons-of-an-ira.html</link>
		<comments>http://www.figuide.com/pros-and-cons-of-an-ira.html#comments</comments>
		<pubDate>Mon, 29 Aug 2011 12:45:00 +0000</pubDate>
		<dc:creator>Kimberly J. Howard, CFP®, CRPC®, ADPA®</dc:creator>
				<category><![CDATA[IRA Center]]></category>
		<category><![CDATA[invest]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[roth]]></category>
		<category><![CDATA[Taxes]]></category>

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		<description><![CDATA[IRA's can be a great investment vehicle for certain individuals.  We analyze the pros and cons of Individual Retirement Accounts (IRA's) and give you the key takeaways to better understand if you should consider putting your investments into an IRA. ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How to Undo Your Roth IRA Conversion in 2011</title>
		<link>http://www.figuide.com/how-to-undo-your-roth-ira-conversion-in-2011.html</link>
		<comments>http://www.figuide.com/how-to-undo-your-roth-ira-conversion-in-2011.html#comments</comments>
		<pubDate>Thu, 25 Aug 2011 11:07:16 +0000</pubDate>
		<dc:creator>Jim Blankenship, CFP®, EA</dc:creator>
				<category><![CDATA[IRA Center]]></category>
		<category><![CDATA[conversion]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Roth Conversion]]></category>

		<guid isPermaLink="false">http://financialducksinarow.com/?p=4152</guid>
		<description><![CDATA[If you converted an IRA to a Roth IRA in 2010 and that account has now lost value, you may want to re-characterize your Roth IRA conversion to decrease taxes paid, but you must hurry and make this decision by October 18th]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Your Spouse May Be Your Best Option as an IRA Beneficiary</title>
		<link>http://www.figuide.com/why-your-spouse-may-be-your-best-option-as-an-ira-beneficiary.html</link>
		<comments>http://www.figuide.com/why-your-spouse-may-be-your-best-option-as-an-ira-beneficiary.html#comments</comments>
		<pubDate>Fri, 29 Jul 2011 12:37:42 +0000</pubDate>
		<dc:creator>Jim Blankenship, CFP®, EA</dc:creator>
				<category><![CDATA[IRA Center]]></category>
		<category><![CDATA[inherited IRA]]></category>
		<category><![CDATA[IRA]]></category>

		<guid isPermaLink="false">http://financialducksinarow.com/?p=4066</guid>
		<description><![CDATA[Trying to decide who to assign as your IRA beneficiary?  See the benefits of assigning your spouse the beneficiary. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should You Name Your Estate as the Beneficiary of Your IRA?</title>
		<link>http://www.figuide.com/should-you-name-your-estate-as-the-beneficiary-of-your-ira.html</link>
		<comments>http://www.figuide.com/should-you-name-your-estate-as-the-beneficiary-of-your-ira.html#comments</comments>
		<pubDate>Fri, 22 Jul 2011 12:55:16 +0000</pubDate>
		<dc:creator>Jim Blankenship, CFP®, EA</dc:creator>
				<category><![CDATA[IRA Center]]></category>
		<category><![CDATA[inherited IRA]]></category>
		<category><![CDATA[IRA]]></category>

		<guid isPermaLink="false">http://financialducksinarow.com/?p=4046</guid>
		<description><![CDATA[While it seems to be a simple idea to just make your estate the beneficiary of your IRA, thereby allowing you to make adjustments to your final beneficiaries via your will – there is a problem that will arise if you decide to take this route.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How To Use Your IRA To Invest in Your Business</title>
		<link>http://www.figuide.com/how-to-use-your-ira-to-invest-in-your-business.html</link>
		<comments>http://www.figuide.com/how-to-use-your-ira-to-invest-in-your-business.html#comments</comments>
		<pubDate>Thu, 07 Jul 2011 12:13:29 +0000</pubDate>
		<dc:creator>Jim Blankenship, CFP®, EA</dc:creator>
				<category><![CDATA[IRA Center]]></category>
		<category><![CDATA[IRA]]></category>

		<guid isPermaLink="false">http://financialducksinarow.com/?p=4041</guid>
		<description><![CDATA[As you know, it is against all the rules to use your IRA to invest in anything which benefits you or a related party.  However – and there’s always a however in life, right? – there is one possible way that you could use funds from an IRA to invest in your own business.]]></description>
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		<slash:comments>2</slash:comments>
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