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	<title>The Money Architects</title>
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	<description>BLUEPRINTS TO BUILD FINANCIAL SECURITY</description>
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		<title>Personal finance trends – the good and bad</title>
		<link>http://bhjadvisors.com/blog/2013/05/03/trends/</link>
		<comments>http://bhjadvisors.com/blog/2013/05/03/trends/#comments</comments>
		<pubDate>Fri, 03 May 2013 17:17:03 +0000</pubDate>
		<dc:creator>BH&#38;J</dc:creator>
				<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[cash flow]]></category>
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		<category><![CDATA[Hughes]]></category>
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		<category><![CDATA[IRA]]></category>
		<category><![CDATA[LTC]]></category>
		<category><![CDATA[stocks]]></category>
		<category><![CDATA[Tacoma]]></category>

		<guid isPermaLink="false">http://bhjadvisors.com/blog/?p=1028</guid>
		<description><![CDATA[Positive developments in 2013 1)      Lower expense ratios on many Exchange Traded Funds (ETFs). Last year, Schwab started the trend of lowering ongoing management fees on their ETFs and eliminating the transaction costs to buy and sell these products on &#8230; <a href="http://bhjadvisors.com/blog/2013/05/03/trends/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<title>Expanding the dictionary to deal with bond challenges</title>
		<link>http://bhjadvisors.com/blog/2013/04/05/income/</link>
		<comments>http://bhjadvisors.com/blog/2013/04/05/income/#comments</comments>
		<pubDate>Fri, 05 Apr 2013 16:00:58 +0000</pubDate>
		<dc:creator>BH&#38;J</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[fixed]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[investors]]></category>
		<category><![CDATA[portfolio]]></category>
		<category><![CDATA[retiree]]></category>
		<category><![CDATA[risk]]></category>
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		<category><![CDATA[yield]]></category>

		<guid isPermaLink="false">http://bhjadvisors.com/blog/?p=1022</guid>
		<description><![CDATA[Calvert, a mutual fund company that specializes in socially responsible investments, has trademarked a new financial term – Thincome™. “Thin” and “Income” are combined to create a word which describes what is now happening to income-oriented investors. Namely, that low &#8230; <a href="http://bhjadvisors.com/blog/2013/04/05/income/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<title>Questions to ask before making a charitable donation</title>
		<link>http://bhjadvisors.com/blog/2013/03/27/donations/</link>
		<comments>http://bhjadvisors.com/blog/2013/03/27/donations/#comments</comments>
		<pubDate>Wed, 27 Mar 2013 17:42:29 +0000</pubDate>
		<dc:creator>BH&#38;J</dc:creator>
				<category><![CDATA[Financial planning]]></category>

		<guid isPermaLink="false">http://bhjadvisors.com/blog/?p=1019</guid>
		<description><![CDATA[More than 1.5 million not-for-profits organizations in the U.S. are registered with the IRS as charitable 501(c)(3) entities according to the NCCS Business Master File. In 2010 these nonprofits paid 9.3% of all of the wages paid in the U.S. &#8230; <a href="http://bhjadvisors.com/blog/2013/03/27/donations/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<title>Fracking, natural gas and the economics of energy</title>
		<link>http://bhjadvisors.com/blog/2013/02/25/fracking/</link>
		<comments>http://bhjadvisors.com/blog/2013/02/25/fracking/#comments</comments>
		<pubDate>Mon, 25 Feb 2013 21:43:20 +0000</pubDate>
		<dc:creator>BH&#38;J</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[energy]]></category>
		<category><![CDATA[fracking]]></category>
		<category><![CDATA[natural gas]]></category>
		<category><![CDATA[oil]]></category>

		<guid isPermaLink="false">http://bhjadvisors.com/blog/?p=1015</guid>
		<description><![CDATA[Richard Vodra, is a lawyer and Certified Financial Planner™ and the president of Worldview Two Planning of McLean, VA. He recently published an article “Is Fracking a ‘Happy Solution’ to our Energy Needs?” In this article he brings up a variety &#8230; <a href="http://bhjadvisors.com/blog/2013/02/25/fracking/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<title>Financial fitness from the viewpoint of personal fitness</title>
		<link>http://bhjadvisors.com/blog/2013/02/01/financial-fitness/</link>
		<comments>http://bhjadvisors.com/blog/2013/02/01/financial-fitness/#comments</comments>
		<pubDate>Fri, 01 Feb 2013 17:28:23 +0000</pubDate>
		<dc:creator>BH&#38;J</dc:creator>
				<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[financial security]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[retirement savings]]></category>

		<guid isPermaLink="false">http://bhjadvisors.com/blog/?p=1012</guid>
		<description><![CDATA[This post was provoked by a comment I read in a financial industry publication from Stuart Ritter of T. Rowe Price’s retirement services division. Ritter said “saving 3% for retirement is like going to the gym for six minutes.” Acknowledging &#8230; <a href="http://bhjadvisors.com/blog/2013/02/01/financial-fitness/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<title>Important College Financial Aid Tips</title>
		<link>http://bhjadvisors.com/blog/2013/02/01/financial-aid-tips/</link>
		<comments>http://bhjadvisors.com/blog/2013/02/01/financial-aid-tips/#comments</comments>
		<pubDate>Fri, 01 Feb 2013 17:19:57 +0000</pubDate>
		<dc:creator>BH&#38;J</dc:creator>
				<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[assets]]></category>
		<category><![CDATA[college savings]]></category>
		<category><![CDATA[FAFSA]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[invest]]></category>
		<category><![CDATA[plan]]></category>
		<category><![CDATA[tips]]></category>
		<category><![CDATA[tuition]]></category>

		<guid isPermaLink="false">http://bhjadvisors.com/blog/?p=1008</guid>
		<description><![CDATA[For those of you with college-age kids or kids who will soon be in college, one of the annual rights of passage is the completion of the Federal government’s “FASFA” (Free Application for Federal Student Aid) form. For many, this &#8230; <a href="http://bhjadvisors.com/blog/2013/02/01/financial-aid-tips/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<title>Stock market rally justified by earnings, reasonable market value</title>
		<link>http://bhjadvisors.com/blog/2013/02/01/market-value/</link>
		<comments>http://bhjadvisors.com/blog/2013/02/01/market-value/#comments</comments>
		<pubDate>Fri, 01 Feb 2013 17:18:10 +0000</pubDate>
		<dc:creator>BH&#38;J</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[earnings]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[market valuation]]></category>
		<category><![CDATA[s&P 500]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://bhjadvisors.com/blog/?p=1003</guid>
		<description><![CDATA[The U.S. stock market turned in a strong first month of 2013 as the S&#38;P 500 gained 5.2%. This coming after a 16% total return for the S&#38;P 500 in 2012 has some wondering if the rally is close to &#8230; <a href="http://bhjadvisors.com/blog/2013/02/01/market-value/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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