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	<title>RFM Financial Solutions, LLC</title>
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	<link>http://rfmfinancialsolutions.com</link>
	<description>Building your financial future is our business.</description>
	<lastBuildDate>Wed, 15 Feb 2012 14:42:32 +0000</lastBuildDate>
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		<title>Michigan State Tax Withholding Changes: Schwab Client Notification to be Mailed 2/15/2012</title>
		<link>http://rfmfinancialsolutions.com/investment-planning/charles-schwab-notifications/michigan-state-tax-withholding-changes-schwab-client-notification-to-be-mailed-2152012/</link>
		<comments>http://rfmfinancialsolutions.com/investment-planning/charles-schwab-notifications/michigan-state-tax-withholding-changes-schwab-client-notification-to-be-mailed-2152012/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 14:42:32 +0000</pubDate>
		<dc:creator>Lisa Castle</dc:creator>
				<category><![CDATA[Charles Schwab Notifications]]></category>
		<category><![CDATA[michigan state income tax]]></category>
		<category><![CDATA[Michigan tax withholding]]></category>
		<category><![CDATA[pension tax withholding]]></category>
		<category><![CDATA[state income tax]]></category>

		<guid isPermaLink="false">http://rfmfinancialsolutions.com/?p=996</guid>
		<description><![CDATA[Effective January 1, 2012, Michigan requires Schwab to withhold state income tax on certain qualified pension and retirement distributions unless the participant is eligible to and elects out of withholding. As a result, beginning on March 19, 2012, Schwab will begin to withhold the mandatory 4.35% from all retirement distributions if the proper forms are [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Retirement Plan Limitations for 2012</title>
		<link>http://rfmfinancialsolutions.com/retirement-planning/retirement-plan-limitations-for-2012/</link>
		<comments>http://rfmfinancialsolutions.com/retirement-planning/retirement-plan-limitations-for-2012/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 14:55:47 +0000</pubDate>
		<dc:creator>Lisa Castle</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[contribution limit]]></category>
		<category><![CDATA[income limits]]></category>
		<category><![CDATA[IRA limits]]></category>
		<category><![CDATA[plan limits]]></category>
		<category><![CDATA[retirement plan contributions]]></category>

		<guid isPermaLink="false">http://rfmfinancialsolutions.com/?p=987</guid>
		<description><![CDATA[ A fresh new year is a great time to up your contributions to a retirement plan.  Some limitations have changed for 2012 and it is important for everyone that wants to do the maximum contributions to up their contributions in order to do just that.  Contact us today if you have any questions on your [...]]]></description>
		<wfw:commentRss>http://rfmfinancialsolutions.com/retirement-planning/retirement-plan-limitations-for-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Financial Gifts to Children</title>
		<link>http://rfmfinancialsolutions.com/mikes-corner/financial-gifts-to-children/</link>
		<comments>http://rfmfinancialsolutions.com/mikes-corner/financial-gifts-to-children/#comments</comments>
		<pubDate>Tue, 06 Dec 2011 15:39:50 +0000</pubDate>
		<dc:creator>Lisa Castle</dc:creator>
				<category><![CDATA[Education Planning]]></category>
		<category><![CDATA[Mike's Corner]]></category>
		<category><![CDATA[529 plan]]></category>
		<category><![CDATA[financial gifts to minors]]></category>
		<category><![CDATA[ugma]]></category>
		<category><![CDATA[utma]]></category>

		<guid isPermaLink="false">http://rfmfinancialsolutions.com/?p=925</guid>
		<description><![CDATA[A recent article from Morningstar.com covers this topic.  Many peoplewonder what is the best way to give financial gifts or teach their children or grandchildren the right way of investing and saving.  Whether you are looking to teach them how to invest or save or you are wanting to assist them with college costs, there [...]]]></description>
		<wfw:commentRss>http://rfmfinancialsolutions.com/mikes-corner/financial-gifts-to-children/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are You Utilizing Your Employer&#8217;s Retirement Plan?</title>
		<link>http://rfmfinancialsolutions.com/retirement-planning/are-you-utilizing-your-employers-retirement-plan/</link>
		<comments>http://rfmfinancialsolutions.com/retirement-planning/are-you-utilizing-your-employers-retirement-plan/#comments</comments>
		<pubDate>Tue, 29 Nov 2011 14:00:54 +0000</pubDate>
		<dc:creator>Lisa Castle</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[employer match]]></category>
		<category><![CDATA[profit sharing]]></category>
		<category><![CDATA[retirement plan]]></category>

		<guid isPermaLink="false">http://rfmfinancialsolutions.com/?p=919</guid>
		<description><![CDATA[Utilizing this benefit offered by your employer is an essential key to saving for retirement.  This money is withheld pre-tax from your paycheck, which will lower your taxable income for that year (or post-tax if participating with a Roth 401(k)).  This money will grow tax-free until it is time for you to retire.  Many employers [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Mike Harter to Host &#8220;Ask the CPAs&#8221;!</title>
		<link>http://rfmfinancialsolutions.com/mikes-corner/mike-harter-to-host-ask-the-cpas/</link>
		<comments>http://rfmfinancialsolutions.com/mikes-corner/mike-harter-to-host-ask-the-cpas/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 19:00:15 +0000</pubDate>
		<dc:creator>Lisa Castle</dc:creator>
				<category><![CDATA[Mike's Corner]]></category>
		<category><![CDATA[advice]]></category>
		<category><![CDATA[ask the CPA]]></category>
		<category><![CDATA[ask the professional]]></category>
		<category><![CDATA[public television]]></category>
		<category><![CDATA[round table]]></category>

		<guid isPermaLink="false">http://rfmfinancialsolutions.com/?p=914</guid>
		<description><![CDATA[Tune in to CMU Public Television at 7:30 p.m. Thursday, Nov. 17, for a new episode of its &#8220;Ask the Specialists&#8221; series. &#8220;Ask The CPAs&#8221; is hosted by Robert F. Murray &#38; Company&#8217;s Mike Harter and features professional advice from MC Kostrzewa &#38; Company’s CPA Michael Kostrzewa and Robert F. Murray &#38; Company&#8217;s CPA Paul [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Creating a Monthly Budget</title>
		<link>http://rfmfinancialsolutions.com/mikes-corner/creating-a-monthly-budget/</link>
		<comments>http://rfmfinancialsolutions.com/mikes-corner/creating-a-monthly-budget/#comments</comments>
		<pubDate>Tue, 18 Oct 2011 14:58:21 +0000</pubDate>
		<dc:creator>Lisa Castle</dc:creator>
				<category><![CDATA[Mike's Corner]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[monthly budget]]></category>

		<guid isPermaLink="false">http://rfmfinancialsolutions.com/?p=876</guid>
		<description><![CDATA[There are a lot of tools out there for creating a budget, Excel, pen and paper, past spending, etc.  Kiplinger.com has a great basic home monthly worksheet.  It is a good way to get you started on getting your finances in order! Click here to go to the on-line worksheet.]]></description>
		<wfw:commentRss>http://rfmfinancialsolutions.com/mikes-corner/creating-a-monthly-budget/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Insurance for Everything</title>
		<link>http://rfmfinancialsolutions.com/mikes-corner/insurance-for-everything/</link>
		<comments>http://rfmfinancialsolutions.com/mikes-corner/insurance-for-everything/#comments</comments>
		<pubDate>Tue, 11 Oct 2011 19:30:10 +0000</pubDate>
		<dc:creator>Lisa Castle</dc:creator>
				<category><![CDATA[Mike's Corner]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://rfmfinancialsolutions.com/?p=873</guid>
		<description><![CDATA[People seem to be hedging their risks by purchasing insurance policies against identity theft, gadget obsolescence, having twins, kidnapping and divorce!  Seem unreal?  It is too real actually.  Anne Kadet of SmartMoney magazine published an article regarding these strange but true insurance policies. Click here to read the full article.]]></description>
		<wfw:commentRss>http://rfmfinancialsolutions.com/mikes-corner/insurance-for-everything/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Monitoring Elderly Parents&#8217; Mail</title>
		<link>http://rfmfinancialsolutions.com/mikes-corner/monitoring-elderly-parents-mail/</link>
		<comments>http://rfmfinancialsolutions.com/mikes-corner/monitoring-elderly-parents-mail/#comments</comments>
		<pubDate>Thu, 06 Oct 2011 13:55:58 +0000</pubDate>
		<dc:creator>Lisa Castle</dc:creator>
				<category><![CDATA[Mike's Corner]]></category>
		<category><![CDATA[donation]]></category>
		<category><![CDATA[elderly]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[solicitation]]></category>

		<guid isPermaLink="false">http://rfmfinancialsolutions.com/?p=866</guid>
		<description><![CDATA[Here is a great KIP TIP from Cameron Huddleston, Contributing Editor, Kiplinger.com, regarding monitoring your elderly parents’ mail. Financial scams are everywhere we turn. Elderly people are bombarded with donation solicitations in the mail. Now mind you, the majority of these solicitations are legitimate organizations, lobbying groups and political parties, but it can be very [...]]]></description>
		<wfw:commentRss>http://rfmfinancialsolutions.com/mikes-corner/monitoring-elderly-parents-mail/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Schwab Market Commentary</title>
		<link>http://rfmfinancialsolutions.com/industry-news/schwab-market-commentary/</link>
		<comments>http://rfmfinancialsolutions.com/industry-news/schwab-market-commentary/#comments</comments>
		<pubDate>Mon, 26 Sep 2011 12:32:43 +0000</pubDate>
		<dc:creator>Lisa Castle</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Market Trends]]></category>
		<category><![CDATA[market commentary]]></category>
		<category><![CDATA[market strategy]]></category>
		<category><![CDATA[market volitility]]></category>

		<guid isPermaLink="false">http://rfmfinancialsolutions.com/?p=858</guid>
		<description><![CDATA[Liz Ann Sonders, Senior Vice President, Chief Investment Strategist with Charles Schwab &#38; Co., Inc. has written a nice commentary article regarding the recent announcement by the fed of &#8220;Operation Twist&#8221;. Please click here to read this commentary.]]></description>
		<wfw:commentRss>http://rfmfinancialsolutions.com/industry-news/schwab-market-commentary/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beware of Cyber Scams!</title>
		<link>http://rfmfinancialsolutions.com/mikes-corner/beware-of-cyber-scams/</link>
		<comments>http://rfmfinancialsolutions.com/mikes-corner/beware-of-cyber-scams/#comments</comments>
		<pubDate>Thu, 22 Sep 2011 13:06:54 +0000</pubDate>
		<dc:creator>Lisa Castle</dc:creator>
				<category><![CDATA[Mike's Corner]]></category>
		<category><![CDATA[hackers]]></category>
		<category><![CDATA[internet safety]]></category>
		<category><![CDATA[personal information]]></category>

		<guid isPermaLink="false">http://rfmfinancialsolutions.com/?p=849</guid>
		<description><![CDATA[According to the Privacy Rights Clearinghouse, hackers were able to retrive more than 13 million sensitive records this year alone.  Unfortunately, most companies or people do not know the extent of what has been taken.  Take the following precautions to help avoid this misfortune. Always keep your firewall, anti-malware and antivirus software up-to-date. Be sure to pick passwords [...]]]></description>
		<wfw:commentRss>http://rfmfinancialsolutions.com/mikes-corner/beware-of-cyber-scams/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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