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	<title>O&#039;Neal and Associates</title>
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	<description>Safe Money Solutions</description>
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		<title>Wharton Financial Institutions Center Personal Finance</title>
		<link>http://www.onealandassociates.com/2011/08/18/wharton-financial-institutions-center-personal-finance/</link>
		<comments>http://www.onealandassociates.com/2011/08/18/wharton-financial-institutions-center-personal-finance/#comments</comments>
		<pubDate>Thu, 18 Aug 2011 18:11:23 +0000</pubDate>
		<dc:creator>FIG</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Indexed annuities]]></category>
		<category><![CDATA[optimal asset allocation]]></category>
		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://www.onealandassociates.com/?p=60</guid>
		<description><![CDATA[Financial advisors and financial planners have sought various programs to provide clients protection from systematic risk, also known as market risk. Various asset allocation strategies have been used with limited success when extreme market movements and “black swans” occur. Real World Index Annuity Returns Abstract We offer the first empirical exploration of fixed indexed annuity ...]]></description>
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		<title>16 Reasons And It’s Not Just About the Taxes</title>
		<link>http://www.onealandassociates.com/2011/08/18/16-reasons-and-it%e2%80%99s-not-just-about-the-taxes/</link>
		<comments>http://www.onealandassociates.com/2011/08/18/16-reasons-and-it%e2%80%99s-not-just-about-the-taxes/#comments</comments>
		<pubDate>Thu, 18 Aug 2011 16:49:18 +0000</pubDate>
		<dc:creator>FIG</dc:creator>
				<category><![CDATA[News]]></category>

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		<description><![CDATA[Why Your CPA Prefers Index Annuities For A Portion Of Your Retirement Portfolio Have you heard about the remarkable savings vehicle that offers the appeal of market-linked interest credits without the worry of market-based losses? Your accountant certainly has, and he or she is beginning to weigh in on their many benefits, guarantees, and tax ...]]></description>
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		<title>Wary investors shun stocks, risk retirement security</title>
		<link>http://www.onealandassociates.com/2011/08/18/wary-investors-shun-stocks-risk-retirement-security/</link>
		<comments>http://www.onealandassociates.com/2011/08/18/wary-investors-shun-stocks-risk-retirement-security/#comments</comments>
		<pubDate>Thu, 18 Aug 2011 16:46:24 +0000</pubDate>
		<dc:creator>FIG</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.onealandassociates.com/?p=197</guid>
		<description><![CDATA[Despite the recent stock market rally, an alarming number of investors don&#8217;t plan to ever invest in stocks again, according to a recent survey by Prudential Financial. The survey polled 1,274 Americans between the ages of 35 and 70 in an online survey through January 5 and found that 58 percent have &#8220;lost faith in ...]]></description>
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		<title>Retirees need fewer stocks, more annuities</title>
		<link>http://www.onealandassociates.com/2011/08/18/retirees-need-fewer-stocks-more-annuities/</link>
		<comments>http://www.onealandassociates.com/2011/08/18/retirees-need-fewer-stocks-more-annuities/#comments</comments>
		<pubDate>Thu, 18 Aug 2011 16:42:40 +0000</pubDate>
		<dc:creator>FIG</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.onealandassociates.com/?p=193</guid>
		<description><![CDATA[Commentary: Equities should be no more than 25% of your portfolio BOSTON (MarketWatch) — Fewer stocks, more annuities. That, in essence, is the advice gleaned from two just-published reports for the benefit of those living in or approaching retirement. Retirees should invest just 5% to 25% of their portfolios in stocks, or at least that’s ...]]></description>
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		<title>Incorporating guaranteed solutions into defined contribution plans provides greater retirement income and security</title>
		<link>http://www.onealandassociates.com/2011/08/18/incorporating-guaranteed-solutions-into-defined-contribution-plans-provides-greater-retirement-income-and-security/</link>
		<comments>http://www.onealandassociates.com/2011/08/18/incorporating-guaranteed-solutions-into-defined-contribution-plans-provides-greater-retirement-income-and-security/#comments</comments>
		<pubDate>Thu, 18 Aug 2011 16:34:23 +0000</pubDate>
		<dc:creator>FIG</dc:creator>
				<category><![CDATA[News]]></category>

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		<description><![CDATA[More income for same savings, increases predictability of retirement NEWARK, N.J., Jul 12, 2011 (BUSINESS WIRE) &#8212; The incorporation of guaranteed minimum withdrawal benefits, or GMWBs, into defined contribution plans may reduce the level of assets required for plan participants to achieve the same level of retirement income, according to a report released today by ...]]></description>
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		<title>Getting the Most Out of Social Security</title>
		<link>http://www.onealandassociates.com/2011/08/18/getting-the-most-out-of-social-security/</link>
		<comments>http://www.onealandassociates.com/2011/08/18/getting-the-most-out-of-social-security/#comments</comments>
		<pubDate>Thu, 18 Aug 2011 16:29:00 +0000</pubDate>
		<dc:creator>FIG</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.onealandassociates.com/?p=183</guid>
		<description><![CDATA[SOCIAL SECURITY may be the most beloved of all the government’s programs, partly because it requires so little thinking. You pay taxes while you work, then you and your spouse collect until you die. This description oversimplifies things, of course. Social Security, as it’s currently constituted, is refreshingly straightforward but you do have to make ...]]></description>
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		<title>O&#8217;Neal new website launched</title>
		<link>http://www.onealandassociates.com/2011/08/15/oneal-new-website-launched/</link>
		<comments>http://www.onealandassociates.com/2011/08/15/oneal-new-website-launched/#comments</comments>
		<pubDate>Mon, 15 Aug 2011 14:47:22 +0000</pubDate>
		<dc:creator>FIG</dc:creator>
				<category><![CDATA[News]]></category>

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		<description><![CDATA[We are proud to launch our new website, please stay tuned for more exciting information and features.]]></description>
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