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   <title>Keys to Financial Planning Blog</title>
   <link>http://www.keys-to-financial-planning.com/financial-planning-blog.html</link>
   <description>The Keys to Financial Planning Blog keeps you up-to-date with all additions and changes to our Web site. Subscribe here.</description>
   <language>en-us</language>
   <category domain = "http://www.keys-to-financial-planning.com/financial-planning-blog.html#">financial planning</category>
   <pubDate>Tue, 09 Mar 2010 15:00:52 GMT</pubDate>
   <lastBuildDate>Tue, 09 Mar 2010 15:00:52 GMT</lastBuildDate>
   <copyright>keys-to-financial-planning.com</copyright>
   <item>
    <title>Retirement Planning with Annuities</title>
    <link>http://www.keys-to-financial-planning.com/annuities.html</link>
    <description>Fixed annuities versus variable annuities for retirement income.  Find out which is safer from Pittsburgh CFP and retirement planning specialist. </description>
    <pubDate>Thu, 18 Feb 2010 20:28:27 GMT</pubDate>
   </item>
   <item>
    <title>Frequently Asked Questions</title>
    <link>http://www.keys-to-financial-planning.com/frequently-asked-questions.html</link>
    <description>Frequently asked questions about our investment management process, investment strategy, asset allocation and the difference between an Investment Advisor and financial advisor.</description>
    <pubDate>Fri, 22 Jan 2010 02:56:37 GMT</pubDate>
   </item>
   <item>
    <title>Economic Report Fourth Quarter 2009</title>
    <link>http://www.keys-to-financial-planning.com/economic-report.html</link>
    <description>In this Economic Report, the S&amp;P 500 Index returned 6.04 for the fourth quarter. However, it is clear that the last ten years have been a secular bear market.</description>
    <pubDate>Sun, 17 Jan 2010 01:32:09 GMT</pubDate>
   </item>
   <item>
    <title>Investing Oil and Gas Lease Payments and Oil Royalties </title>
    <link>http://www.keys-to-financial-planning.com/oil-and-gas.html</link>
    <description>The income generated for a landowner in Washington County Pennsylvania in the form of oil and gas lease payments and oil royalties can be substantial.  </description>
    <pubDate>Sat, 16 Jan 2010 03:12:45 GMT</pubDate>
   </item>
   <item>
    <title>Year End Message - Opportunities in 2010</title>
    <link>http://www.keys-to-financial-planning.com/year-end.html</link>
    <description>Year end message. Despite challenges in our economy, you not only survived the volatility and the financial crisis in 2009, but you will thrive with a good financial plan.</description>
    <pubDate>Fri, 01 Jan 2010 18:30:27 GMT</pubDate>
   </item>
   <item>
    <title>Concierge Services Pittsburgh</title>
    <link>http://www.keys-to-financial-planning.com/concierge-services.html</link>
    <description>W.E. Griffith &amp; Associates offers concierge services in Pittsburgh and Washington County Pennsylvania.  We offer lifestyle management and personal assistant services to help make your life easier.</description>
    <pubDate>Tue, 22 Dec 2009 06:16:14 GMT</pubDate>
   </item>
   <item>
    <title>Investment Management Program and Consulting Services</title>
    <link>http://www.keys-to-financial-planning.com/investment-management-program.html</link>
    <description>W.E. Griffith &amp; Associates, LLC provides investment management and consulting services to individuals, families, professionals, business owners and retirees in Pittsburgh and throughout Pennsylvania. </description>
    <pubDate>Fri, 13 Nov 2009 00:22:46 GMT</pubDate>
   </item>
   <item>
    <title>Paying for College without Compromising Your Retirement </title>
    <link>http://www.keys-to-financial-planning.com/paying-for-college.html</link>
    <description>With the average four-year cost of college approaching $120,000, many people are concerned about paying for college at the same time they are saving for retirement. </description>
    <pubDate>Mon, 02 Nov 2009 03:54:57 GMT</pubDate>
   </item>
   <item>
    <title>College Funding and Other Financial Strategies</title>
    <link>http://www.keys-to-financial-planning.com/financial-strategies.html</link>
    <description>College funding and other financial strategies available to pay for college are different for the financial aid candidate and the family with high income.</description>
    <pubDate>Mon, 02 Nov 2009 00:46:04 GMT</pubDate>
   </item>
   <item>
    <title>College Planning is Not Just about Saving for College</title>
    <link>http://www.keys-to-financial-planning.com/saving-for-college.html</link>
    <description>Its more than just saving for college. College planning is about identifying and implementing the college funding and other strategies to most efficiently pay for college.  </description>
    <pubDate>Sun, 01 Nov 2009 22:01:56 GMT</pubDate>
   </item>
   <item>
    <title>Waiver of Required Minimum Distribution (RMD) in 2009</title>
    <link>http://www.keys-to-financial-planning.com/required-minimum-distribution.html</link>
    <description>Do you know someone who received a required minimum distribution (RMD) in 2009 and they do not need the money?</description>
    <pubDate>Sat, 31 Oct 2009 23:46:55 GMT</pubDate>
   </item>
   <item>
    <title>How to Reduce the Cost of College</title>
    <link>http://www.keys-to-financial-planning.com/cost-of-college.html</link>
    <description>What can you do to reduce the cost of college?  When paying for college, the informed buyer of a college education generally spends thousands less.</description>
    <pubDate>Sat, 31 Oct 2009 01:29:40 GMT</pubDate>
   </item>
   <item>
    <title>College Costs for the 2009/2010 Academic Year</title>
    <link>http://www.keys-to-financial-planning.com/college-costs.html</link>
    <description>On October 20, 2009, the College Board released college costs for the 2009/2010 academic year.</description>
    <pubDate>Sat, 31 Oct 2009 01:27:21 GMT</pubDate>
   </item>
   <item>
    <title>How to Protect Your Retirement Investments from Market Volatility</title>
    <link>http://www.keys-to-financial-planning.com/retirement-investments.html</link>
    <description>It has become more important than ever for you to protect your retirement investments especially if you are retiring.</description>
    <pubDate>Sat, 31 Oct 2009 00:31:57 GMT</pubDate>
   </item>
   <item>
    <title>Market Rally - Economic Review Third Quarter 2009</title>
    <link>http://www.keys-to-financial-planning.com/market-rally.html</link>
    <description>The market rally that began in mid-March continued throughout the third quarter of 2009. Despite some volatility, the S&amp;P 500 Index gained another 15.61.</description>
    <pubDate>Sat, 10 Oct 2009 02:37:20 GMT</pubDate>
   </item>
   <item>
    <title>Articles in the Press - W.E. Griffith &amp; Associates, LLC</title>
    <link>http://www.keys-to-financial-planning.com/articles.html</link>
    <description>Here you&#39;ll find articles in the press about Pittsburgh financial planning and wealth management firm, W.E. Griffith &amp; Associates, LLC.</description>
    <pubDate>Thu, 17 Sep 2009 19:34:23 GMT</pubDate>
   </item>
   <item>
    <title>Financial Planning Publications</title>
    <link>http://www.keys-to-financial-planning.com/financial-planning-publications.html</link>
    <description>Financial planning publications show you how much you need to finance your retirement,  build more wealth and create immediate income.  </description>
    <pubDate>Thu, 03 Sep 2009 04:55:06 GMT</pubDate>
   </item>
   <item>
    <title>Certified Financial Planner  One of the Best Jobs in America</title>
    <link>http://www.keys-to-financial-planning.com/certified-financial-planner.html</link>
    <description>This is a great time to be pursuing a career as a Certified Financial Planner.  With the economy today, reducing debt is essential. People need information about the best ways to eliminate debt. </description>
    <pubDate>Thu, 06 Aug 2009 19:11:09 GMT</pubDate>
   </item>
   <item>
    <title>Its all about your future </title>
    <link>http://www.keys-to-financial-planning.com/your-future.html</link>
    <description>Financial planning and wealth management.  Its all about your future. Retire early, become a millionaire, gain peace of mind through financial security, achieve financial independence.  </description>
    <pubDate>Wed, 29 Jul 2009 03:59:52 GMT</pubDate>
   </item>
   <item>
    <title>Retirement Income  Estate Planning Strategies Protect Retirement Plan, 401k</title>
    <link>http://www.keys-to-financial-planning.com/retirement-income.html</link>
    <description>Retirement income from a qualified retirement plan, 401k is subject to a double tax called Income in Respect of Decedent. </description>
    <pubDate>Wed, 29 Jul 2009 02:26:46 GMT</pubDate>
   </item>
   <item>
    <title>Bear Market Rally - Economic Review Second Quarter 2009</title>
    <link>http://www.keys-to-financial-planning.com/bear-market-rally.html</link>
    <description>Was this a bear market rally?  Will the recession end during the second half of 2009?  A mixture of asset allocation approaches can help you capture returns with reduced volatility.</description>
    <pubDate>Sat, 18 Jul 2009 21:34:49 GMT</pubDate>
   </item>
   <item>
    <title>Social Security Death Benefits, Rules Regarding Direct Deposit</title>
    <link>http://www.keys-to-financial-planning.com/social-security-death.html</link>
    <description>Knowing the rules about how Social Security death benefits will terminate before you setup monthly benefits via direct deposit in a bank account.</description>
    <pubDate>Sun, 10 May 2009 01:52:12 GMT</pubDate>
   </item>
   <item>
    <title>Will Your Retirement Savings Last as Long as You Live?</title>
    <link>http://www.keys-to-financial-planning.com/retirement-savings.html</link>
    <description>Has the value of your retirement savings, 401k retirement plan or IRA account gone down? Are you concerned about how market volatility may affect your income during retirement? </description>
    <pubDate>Sat, 09 May 2009 20:21:07 GMT</pubDate>
   </item>
   <item>
    <title>Are you sure that your Revocable Living Trust is fully funded?</title>
    <link>http://www.keys-to-financial-planning.com/revocable-living-trust.html</link>
    <description>Many people mistakenly believe that the mere process of signing their revocable living trust will magically result in probate avoidance and tax savings.  </description>
    <pubDate>Fri, 24 Apr 2009 02:31:25 GMT</pubDate>
   </item>
   <item>
    <title>Portfolio Strategist Presentations</title>
    <link>http://www.keys-to-financial-planning.com/portfolio-strategist.html</link>
    <description>We recently introduced our Portfolio Strategist Presentation program to help deepen your understanding of the Portfolio Strategists available through our asset management program.</description>
    <pubDate>Fri, 06 Mar 2009 04:41:08 GMT</pubDate>
   </item>
   <item>
    <title>Long Term Care Insurance, Protect Your Assets from Long Term Health Care </title>
    <link>http://www.keys-to-financial-planning.com/long-term-care-insurance.html</link>
    <description>Expert advice about long term care insurance in Pittsburgh. How to protect your assets from long term health care in a nursing home or assisted living facility.</description>
    <pubDate>Wed, 24 Dec 2008 19:21:15 GMT</pubDate>
   </item>
   <item>
    <title>Financial Advisor, Pittsburgh - Certified Financial Planner</title>
    <link>http://www.keys-to-financial-planning.com/financial-advisor.html</link>
    <description>Financial advisor near Pittsburgh. Comprehensive financial planning, wealth management. 401k rollover IRA specialist. Expertise in retirement planning, investment management, estate planning. </description>
    <pubDate>Tue, 23 Dec 2008 23:58:07 GMT</pubDate>
   </item>
   <item>
    <title>Mortgage Financing - Current Mortgage Rates</title>
    <link>http://www.keys-to-financial-planning.com/mortgage-financing.html</link>
    <description>Mortgage financing options and mortgage refinancing in Pittsburgh. Reduce your interest expense, consolidate credit card debt, redirect the savings to your retirement funds.</description>
    <pubDate>Mon, 22 Dec 2008 17:11:27 GMT</pubDate>
   </item>
   <item>
    <title>Callan Associates - New Portfolio Strategist</title>
    <link>http://www.keys-to-financial-planning.com/callan-associates.html</link>
    <description>Callan Associates has an established process, which they use as a basis for an optimized long-term strategic asset allocation for each specific risk and return profile.</description>
    <pubDate>Fri, 19 Dec 2008 03:44:12 GMT</pubDate>
   </item>
   <item>
    <title>Finance Books, Retirement Income and Lifestyle</title>
    <link>http://www.keys-to-financial-planning.com/finance-books.html</link>
    <description>Personal finance books show you how to use a combination of methods to assure that your retirement income will last for life.</description>
    <pubDate>Fri, 31 Oct 2008 12:24:21 GMT</pubDate>
   </item>
   <item>
    <title>Financial Advice, Pittsburgh Financial Planners</title>
    <link>http://www.keys-to-financial-planning.com/financial-advice.html</link>
    <description>The most important service you receive from us is our financial advice to you.  W.E. Griffith &amp; Associates, LLC is conveniently located near Pittsburgh, PA.</description>
    <pubDate>Thu, 30 Oct 2008 03:44:05 GMT</pubDate>
   </item>
   <item>
    <title>Financial Planning Process  W.E. Griffith &amp; Associates, LLC</title>
    <link>http://www.keys-to-financial-planning.com/financial-planning-process.html</link>
    <description>To help you understand what to expect from the financial planning process, we have provided the following six-steps.</description>
    <pubDate>Tue, 28 Oct 2008 21:42:48 GMT</pubDate>
   </item>
   <item>
    <title>Investments, Building Financial Security</title>
    <link>http://www.keys-to-financial-planning.com/investments.html</link>
    <description>Managing your investments in a way that will enable you to achieve your goals. </description>
    <pubDate>Tue, 28 Oct 2008 05:16:27 GMT</pubDate>
   </item>
   <item>
    <title>Wealth - Using a Trust, LLC to Leverage Your Wealth</title>
    <link>http://www.keys-to-financial-planning.com/wealth.html</link>
    <description>How to structure your business and personal assets to safely grow, protect, and leverage your wealth.</description>
    <pubDate>Sun, 26 Oct 2008 01:23:44 GMT</pubDate>
   </item>
   <item>
    <title>Make More Money, Build More Wealth</title>
    <link>http://www.keys-to-financial-planning.com/make-more-money.html</link>
    <description>Make more money by unlocking the equity you have in your hidden assets, free-up cash to build more wealth and create immediate income.</description>
    <pubDate>Sun, 26 Oct 2008 01:18:48 GMT</pubDate>
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