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                    <title><![CDATA[ Latest from Kiplinger in Iras ]]></title>
                <link>https://www.kiplinger.com/retirement/retirement-plans/iras</link>
        <description><![CDATA[ All the latest iras content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Wed, 08 Apr 2026 10:05:00 +0000</lastBuildDate>
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                                                            <title><![CDATA[ We're 59 and Retired With $5.3 Million. We Want to Spend $250,000 a Year Until Medicare and Social Security Start. Are We Nuts? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/were-59-and-retired-with-usd5-3-million-we-want-to-spend-usd250-000-a-year-until-medicare-and-social-security-start</link>
                                                                            <description>
                            <![CDATA[ We are retired and want to spend $250,000 a year, but once Medicare and Social Security start, we'll need less. Are we nuts? ]]>
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                                                                        <pubDate>Wed, 08 Apr 2026 10:05:00 +0000</pubDate>                                                                                                                                <updated>Wed, 08 Apr 2026 21:58:10 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/w7uatXfZPi3fX3xANazLrK-1280-80.jpg">
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                                                            <title><![CDATA[ Ask the Editor, February 13: More Questions on IRAs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/ask-the-editor-february-13-questions-on-iras</link>
                                                                            <description>
                            <![CDATA[ In this week's Ask the Editor Q&A, Joy Taylor answers questions on IRAs ]]>
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                                                                        <pubDate>Fri, 13 Feb 2026 13:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/PeQDoU87FX2Kpaf2CEUV5N-1280-80.png">
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                                                            <title><![CDATA[ The 'Take That, Uncle Sam' Rule of Retirement Spending ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/the-take-that-uncle-sam-rule-of-retirement-spending</link>
                                                                            <description>
                            <![CDATA[ Here's how to reduce your tax bill when you withdraw money in retirement. ]]>
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                                                                        <pubDate>Fri, 30 Jan 2026 11:05:00 +0000</pubDate>                                                                                                                                <updated>Fri, 06 Feb 2026 20:48:27 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author>                    <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/gXHe64ucAEghEzSdoa8jUa-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Tax refund tag ]]></media:description>                                                            <media:text><![CDATA[Tax refund tag ]]></media:text>
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                                                            <title><![CDATA[ Ask the Editor, December 12: IRAs, 401(k)s and RMDs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/ask-the-editor-december-12-iras-401k-rmds</link>
                                                                            <description>
                            <![CDATA[ In this week's Ask the Editor Q&A, Joy Taylor answers questions on IRAs, 401(k)s and required minimum distributions ]]>
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                                                                        <pubDate>Fri, 12 Dec 2025 13:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/j3e8ftZVA6ioidjPzNs6Ni-1280-80.jpg">
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                                                            <title><![CDATA[ Ask the Editor, November 28: Roth Conversions and Tax Planning ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-planning/ask-the-editor-november-28-roth-conversions-and-tax-planning</link>
                                                                            <description>
                            <![CDATA[ In this week's Ask the Editor Q&A, Joy Taylor answers questions on how to convert a traditional IRA to a Roth IRA. ]]>
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                                                                        <pubDate>Fri, 28 Nov 2025 13:24:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Uq3bsCJzv8ft246mvvoauB-1280-80.jpg">
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                                                            <title><![CDATA[ I'm 57 With a Great Remote Job, but My Company Wants Me in the Office Full-Time ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/im-57-with-a-great-remote-job-but-my-company-wants-me-in-the-office-full-time</link>
                                                                            <description>
                            <![CDATA[ We asked career planning and human resources experts for advice on how to handle return-to-work orders. ]]>
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                                                                        <pubDate>Wed, 19 Nov 2025 11:06:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Work From Home Jobs]]></category>
                                                    <category><![CDATA[Simple IRA]]></category>
                                                    <category><![CDATA[Simplified Employee Pension (SEP) IRA]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/S7puqAHNqHn5eN8yNWKci3-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Symbolizing remote work or a remote job, a businesswoman meets with colleagues on a video call or web conference. She is working from home.]]></media:description>                                                            <media:text><![CDATA[Symbolizing remote work or a remote job, a businesswoman meets with colleagues on a video call or web conference. She is working from home.]]></media:text>
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                                                            <title><![CDATA[ My 4 Pieces of Advice for Women Anxious About Handling Money ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/my-four-pieces-of-advice-for-women-anxious-about-handling-money</link>
                                                                            <description>
                            <![CDATA[ Talking about money can help you take control of your finances. ]]>
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                                                                        <pubDate>Fri, 07 Nov 2025 15:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 03 Mar 2026 18:35:05 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Janet Bodnar ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/VvGaXtwM5aiShX2xaBRXQH-1280-80.jpg">
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                                                            <title><![CDATA[ Backdoor Roth IRAs: Help Your Kids Keep More of Their Inheritance  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/roth-iras/backdoor-roth-iras-help-your-kids-keep-more-of-their-inheritance</link>
                                                                            <description>
                            <![CDATA[ Converting to a backdoor Roth IRA via an IRS "loophole" is an estate planning tool that gives heirs tax-free income in retirement. It can help you, too. ]]>
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                                                                        <pubDate>Fri, 24 Oct 2025 10:07:00 +0000</pubDate>                                                                                                                                <updated>Fri, 24 Oct 2025 14:05:44 +0000</updated>
                                                                                                                                            <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Adam Shell ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/G2gZ9GBK6V3HUQ4tZ27RsE-1280-80.jpg">
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                                                            <title><![CDATA[ Will Taxes Shred Your 401(k) or IRA During Your Retirement? It's Very Likely ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-planning/will-taxes-shred-your-401k-or-ira-during-retirement</link>
                                                                            <description>
                            <![CDATA[ Conventional wisdom dictates that you save in a 401(k) now and pay taxes later, but turning that rule on its head could leave you far better off. A financial planner explains why. ]]>
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                                                                        <pubDate>Sat, 11 Oct 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ mike.reese@iwanttoretirewell.com (Michael Reese, CFP®) ]]></author>                    <dc:creator><![CDATA[ Michael Reese, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/h3tFUXfttRHLctuWMNB5ZB-1280-80.jpg">
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                                                            <title><![CDATA[ 6 Steps to Protect Your Retirement Savings ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/steps-to-protect-your-retirement-savings</link>
                                                                            <description>
                            <![CDATA[ Don't let a shaky economy and volatile market derail your retirement. These moves will help ensure your money lasts as long as you do. ]]>
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                                                                        <pubDate>Tue, 07 Oct 2025 11:02:00 +0000</pubDate>                                                                                                                                <updated>Wed, 08 Oct 2025 20:49:18 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Taxable Income]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                                    <dc:creator><![CDATA[ Diane Harris ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/dgQqbt7oSy5epzcNM6AKcK-1280-80.jpg">
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                                                            <title><![CDATA[ Your State (and Trump) Wants to Help You Save for Retirement. Here's How ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/your-state-wants-to-help-you-save-for-retirement-heres-how</link>
                                                                            <description>
                            <![CDATA[ Maximize your retirement savings by setting up a state-sponsored auto-IRA. With Trump's newly announced plan, you might get a match on 401(k) funds in 2027. ]]>
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                                                                        <pubDate>Thu, 18 Sep 2025 10:05:00 +0000</pubDate>                                                                                                                                <updated>Fri, 06 Mar 2026 21:21:59 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Christy Bieber ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/mhZZn9qM22izQjMHGGQs9E-1280-80.jpg">
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                                                            <title><![CDATA[ 'Rich' Tricks to Volunteer and Donate in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/rich-tricks-to-volunteer-and-donate-in-retirement</link>
                                                                            <description>
                            <![CDATA[ There may be some tax benefits to giving back in retirement. ]]>
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                                                                        <pubDate>Sun, 07 Sep 2025 13:45:00 +0000</pubDate>                                                                                                                                <updated>Mon, 20 Oct 2025 20:35:55 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Charity]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Sandra Block) ]]></author>                    <dc:creator><![CDATA[ Sandra Block ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/FpFJbHStdm2wLz52aEZbsH-1280-80.jpg">
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                                                            <title><![CDATA[ A Taxable Brokerage Account May Be What Your Retirement Is Missing ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/a-taxable-brokerage-account-may-be-what-your-retirement-is-missing</link>
                                                                            <description>
                            <![CDATA[ You can supplement your retirement nest egg or save for other goals with a taxable brokerage account. ]]>
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                                                                        <pubDate>Thu, 07 Aug 2025 10:02:00 +0000</pubDate>                                                                                                                                <updated>Wed, 20 Aug 2025 14:32:18 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ ella.vincent@futurenet.com (Ella Vincent) ]]></author>                    <dc:creator><![CDATA[ Ella Vincent ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5iSugem8jGciLp3bzaycXP-1280-80.jpg">
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                                                            <title><![CDATA[ A Financial Planner's Prescription for the Headache of Multiple Retirement Accounts ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/consolidating-multiple-retirement-accounts</link>
                                                                            <description>
                            <![CDATA[ Having a bunch of retirement accounts can cause unnecessary complications. Consolidation can make it easier to manage your savings and potentially improve investment outcomes. ]]>
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                                                                        <pubDate>Wed, 23 Jul 2025 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ info@theretirementsolution.com (Kyle Nelson, CFP®) ]]></author>                    <dc:creator><![CDATA[ Kyle Nelson, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/vcdpDAFg4azMrxLnDUNPGG-1280-80.jpg">
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                                                            <title><![CDATA[ Morningstar’s 2026 Retirement Withdrawal Advice: Will It Work for Investors? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/does-morningstars-retirement-withdrawal-advice-work-for-investors</link>
                                                                            <description>
                            <![CDATA[ Morningstar’s 2026 guidance is out, recommending a lower withdrawal rate than the traditional 4%-a-year strategy. Researchers compared the two approaches to see how they stack up. ]]>
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                                                                        <pubDate>Wed, 02 Jul 2025 09:50:00 +0000</pubDate>                                                                                                                                <updated>Thu, 04 Dec 2025 22:19:05 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Christy Bieber ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ofLsF4ZWsJ8HQGHrm8X8qM-1280-80.jpg">
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                                                            <title><![CDATA[ What if You Could Increase Your Retirement Income by 50% to 75%? Here's How ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/what-if-you-could-increase-your-retirement-income</link>
                                                                            <description>
                            <![CDATA[ Combining IRA investments, lifetime income annuities and a HECM into one plan could significantly increase your retirement income and liquid savings compared to traditional planning. ]]>
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                                                                        <pubDate>Wed, 18 Jun 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Annuities]]></category>
                                                    <category><![CDATA[Reverse Mortgages]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jerry Golden, Investment Adviser Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/PhQdEDj7WehsAdFFKqat7W-1280-80.jpg">
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                                                            <title><![CDATA[ The Average Retirement Savings by Age ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/average-retirement-savings-by-age</link>
                                                                            <description>
                            <![CDATA[ Think you may have more retirement savings than your peers? Here's your answer. ]]>
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                                                                        <pubDate>Wed, 11 Jun 2025 15:56:31 +0000</pubDate>                                                                                                                                <updated>Thu, 02 Apr 2026 16:36:05 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/hgTuGZY9bU7GPA9XURAJcL-1280-80.jpg">
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                                                            <title><![CDATA[ Will RMDs Ruin the 4% Rule for You? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/will-rmds-ruin-the-4-percent-rule-for-you</link>
                                                                            <description>
                            <![CDATA[ Don't let required minimum distributions (RMDs) rain on your retirement parade. ]]>
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                                                                        <pubDate>Mon, 02 Jun 2025 10:02:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Vz7T7n6sLpqc5cXcS9KBB8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A post-it note with &quot;required minimum distribution&quot; written on it against a bright blue background with a green uncapped highligher.]]></media:description>                                                            <media:text><![CDATA[A post-it note with &quot;required minimum distribution&quot; written on it against a bright blue background with a green uncapped highligher.]]></media:text>
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                                                            <title><![CDATA[ The Rule of 240 Paychecks in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/the-rule-of-240-paychecks-in-retirement</link>
                                                                            <description>
                            <![CDATA[ The Rule of 240 Paychecks can help you plan for a lifetime of withdrawals. Because, like any good boss, you need to pay yourself wisely. ]]>
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                                                                        <pubDate>Thu, 15 May 2025 10:08:00 +0000</pubDate>                                                                                                                                <updated>Wed, 28 Jan 2026 16:26:17 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ jacobsschroeder@gmail.com (Jacob Schroeder) ]]></author>                    <dc:creator><![CDATA[ Jacob Schroeder ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/sB3yDZ9VMwNFRF3feiNkjZ-1280-80.jpg">
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                                                            <title><![CDATA[ Ask the Editor, May 9 — Reader Questions on QCDs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-deductions/ask-the-editor-may-9-qcds</link>
                                                                            <description>
                            <![CDATA[ In our latest Ask the Editor round-up, Joy Taylor, The Kiplinger Tax Letter Editor, answers questions on qualified charitable distributions (QCDs). ]]>
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                                                                        <pubDate>Fri, 09 May 2025 20:56:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Filing]]></category>
                                                    <category><![CDATA[tax returns]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/GpDSZVzccYuQHsMLF64KdQ-1280-80.jpg">
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                                                            <title><![CDATA[ Ask the Editor, May 4 — Questions on Tax Deductions, Losses ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-deductions/ask-the-editor-may-4-questions-on-tax-deductions-losses</link>
                                                                            <description>
                            <![CDATA[ In our Ask the Editor series, Joy Taylor, The Kiplinger Tax Letter Editor, answers readers' questions on tax deductions and losses. ]]>
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                                                                        <pubDate>Sun, 04 May 2025 14:02:30 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Deductions]]></category>
                                                    <category><![CDATA[Tax Filing]]></category>
                                                    <category><![CDATA[tax returns]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Form 1040]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[tax forms]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/pUSieQyfpDTBsHrft8TUff-1280-80.jpg">
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                                                            <title><![CDATA[ Should You Do A Roth IRA Conversion? Nine Things to Consider ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/should-you-do-a-roth-ira-conversion-what-to-consider</link>
                                                                            <description>
                            <![CDATA[ Thinking of converting a traditional IRA to a Roth IRA? The Kiplinger Tax Letter Editor highlights nine factors you should consider before making a move. ]]>
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                                                                        <pubDate>Tue, 22 Apr 2025 00:25:59 +0000</pubDate>                                                                                                                                <updated>Thu, 01 May 2025 19:35:27 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/xUvWdoEfrEtPijKzx2usi7-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Roth IRA circled in red pencil, with IRA text]]></media:description>                                                            <media:text><![CDATA[Roth IRA circled in red pencil, with IRA text]]></media:text>
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                                                            <title><![CDATA[ Most of the Money in IRAs Comes from a Surprising Source ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/iras/most-money-in-iras-comes-from-a-surprising-source</link>
                                                                            <description>
                            <![CDATA[ Americans don't typically stash money in IRAs from contributions. Here's how most people fund their IRAs, according to a new study. ]]>
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                                                                        <pubDate>Wed, 16 Apr 2025 10:07:00 +0000</pubDate>                                                                                                                                <updated>Wed, 16 Apr 2025 15:45:16 +0000</updated>
                                                                                                                                            <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Christy Bieber ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/fdY7PA82JuCJzzotQ8cEFH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple sits on a bench outside their rustic home, looking at a laptop.]]></media:description>                                                            <media:text><![CDATA[An older couple sits on a bench outside their rustic home, looking at a laptop.]]></media:text>
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                                                            <title><![CDATA[ Retired and Worried About a Recession? Six Ways to Prepare ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/retired-and-worried-about-a-recession-ways-to-prepare</link>
                                                                            <description>
                            <![CDATA[ Retirees can plan for a near-term recession with a range of strategies, from small investment changes to significant lifestyle hacks. ]]>
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                                                                        <pubDate>Thu, 10 Apr 2025 10:03:10 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/tot3RKyLUaVhRomxZ7EH66-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A retired man looks at his laptop in a cafe, appearing worried.]]></media:description>                                                            <media:text><![CDATA[A retired man looks at his laptop in a cafe, appearing worried.]]></media:text>
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                                                            <title><![CDATA[ You're Stuck Taking RMDs: Now What? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/youre-stuck-taking-rmds-now-what</link>
                                                                            <description>
                            <![CDATA[ When you've got to take required minimum distributions (RMDs) make some lemonade. Here are our top ideas for using the extra cash to enrich your life — or that of others. ]]>
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                                                                        <pubDate>Wed, 09 Apr 2025 10:06:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Ek9x9setDVGyRzUTbzBfz9-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Grandmother and granddaughter in the kitchen making lemonade and talking at the counter.]]></media:description>                                                            <media:text><![CDATA[Grandmother and granddaughter in the kitchen making lemonade and talking at the counter.]]></media:text>
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                                                            <title><![CDATA[ How AI Will Impact Your Workplace Retirement Plan ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/how-ai-will-impact-your-workplace-retirement-plan</link>
                                                                            <description>
                            <![CDATA[ It's early days, but AI will bring new efficiencies and personalization to your workplace retirement plan. ]]>
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                                                                        <pubDate>Tue, 08 Apr 2025 12:36:00 +0000</pubDate>                                                                                                                                <updated>Mon, 21 Apr 2025 16:23:04 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Christy Bieber ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/RK3QKfp3EAHiBxnePchoiN-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older man checks his AI retirement plan on his phone]]></media:description>                                                            <media:text><![CDATA[An older man checks his AI retirement plan on his phone]]></media:text>
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                                                            <title><![CDATA[ Is Your IRA Protected from Creditors in Bankruptcy? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/iras/is-your-ira-protected-in-bankruptcy</link>
                                                                            <description>
                            <![CDATA[ Can creditors take some or part of your IRA funds if you file for bankruptcy? Learn more about the federal protections that exist and to what extent they protect your IRAs. ]]>
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                                                                        <pubDate>Wed, 26 Mar 2025 14:30:00 +0000</pubDate>                                                                                                                                <updated>Thu, 26 Jun 2025 20:37:50 +0000</updated>
                                                                                                                                            <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/QkDXwzFHBAqXxeAzRufZTV-1280-80.jpg">
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                                                            <title><![CDATA[ IRA Conversion to Roth: Rules to Convert an IRA or 401(k) to a Roth IRA ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/roth-iras/ira-conversion-to-roth</link>
                                                                            <description>
                            <![CDATA[ An IRA conversion can give you a leg-up in retirement with tax-free income. But proceed with caution. ]]>
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                                                                        <pubDate>Thu, 20 Mar 2025 10:11:00 +0000</pubDate>                                                                                                                                <updated>Wed, 11 Feb 2026 15:14:53 +0000</updated>
                                                                                                                                            <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/SjGrTKuoAKkfCYRKRrQJLn-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man looks up as he ponders the benefits of making a Roth Conversion.]]></media:description>                                                            <media:text><![CDATA[A man looks up as he ponders the benefits of making a Roth Conversion.]]></media:text>
                                <media:title type="plain"><![CDATA[A man looks up as he ponders the benefits of making a Roth Conversion.]]></media:title>
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                                                            <title><![CDATA[ 3 Estate Planning Strategies That Thrive in Volatile Markets ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/estate-planning/markets-are-down-heres-how-your-estate-can-benefit</link>
                                                                            <description>
                            <![CDATA[ From GRATs to Roth conversions, learn how to leverage market swings to protect your family’s future wealth. ]]>
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                                                                        <pubDate>Sat, 15 Mar 2025 10:06:00 +0000</pubDate>                                                                                                                                <updated>Mon, 09 Mar 2026 17:34:07 +0000</updated>
                                                                                                                                            <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author>                    <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/MSUxAHHrHTawYob2qyBXkF-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Older couple walking on the beach ]]></media:description>                                                            <media:text><![CDATA[Older couple walking on the beach ]]></media:text>
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                                                            <title><![CDATA[ Living Solely on Investment Income in Retirement: Can it Be Done? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/living-solely-on-portfolio-income-in-retirement</link>
                                                                            <description>
                            <![CDATA[ Relying only on investment income from your portfolio is achievable for high-net-worth individuals and those with the right mix of investments. Is it for you? ]]>
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                                                                        <pubDate>Thu, 13 Mar 2025 10:06:00 +0000</pubDate>                                                                                                                                <updated>Wed, 05 Nov 2025 16:14:41 +0000</updated>
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                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/DPfVwgZdVcFiEx3WFRzZwG-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple relaxes on the beach with their dog. They are drinking coffee and seem to be sitting in front of their beach house.]]></media:description>                                                            <media:text><![CDATA[An older couple relaxes on the beach with their dog. They are drinking coffee and seem to be sitting in front of their beach house.]]></media:text>
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                                                            <title><![CDATA[ Five Roth IRA Pitfalls Your Adviser May Not Tell You About ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/roth-iras/four-roth-ira-pitfalls-your-adviser-may-not-tell-you-about</link>
                                                                            <description>
                            <![CDATA[ Heffalump traps may be imaginary, but Roth IRA pitfalls are very real. They could upend your retirement if you're unaware of them. ]]>
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                                                                        <pubDate>Wed, 12 Mar 2025 10:16:00 +0000</pubDate>                                                                                                                                <updated>Tue, 24 Jun 2025 15:19:43 +0000</updated>
                                                                                                                                            <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ymGXcLtkJ4ja6pbZwmLHeZ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Legs of an unidentifiable senior woman in black pants and sports shoes carefully walking on tree branches lying in dirt, covered with moss and leaves, while walking in the forest on a sunny afternoon.  It might be a heffalump trap.]]></media:description>                                                            <media:text><![CDATA[Legs of an unidentifiable senior woman in black pants and sports shoes carefully walking on tree branches lying in dirt, covered with moss and leaves, while walking in the forest on a sunny afternoon.  It might be a heffalump trap.]]></media:text>
                                <media:title type="plain"><![CDATA[Legs of an unidentifiable senior woman in black pants and sports shoes carefully walking on tree branches lying in dirt, covered with moss and leaves, while walking in the forest on a sunny afternoon.  It might be a heffalump trap.]]></media:title>
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                                                            <title><![CDATA[ Retirement Savings on Track? How Much You Should Have by 50 and 55 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/fifty-somethings-are-your-retirement-savings-on-track</link>
                                                                            <description>
                            <![CDATA[ See how your retirement savings stack up compared with this Wall Street guide, ranked by age and income. ]]>
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                                                                        <pubDate>Tue, 11 Mar 2025 17:12:33 +0000</pubDate>                                                                                                                                <updated>Mon, 02 Mar 2026 18:29:10 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author>                    <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/KE9YZ5rnJhWq3mu5r8AbnT-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A couple in a high-end kitchen]]></media:description>                                                            <media:text><![CDATA[A couple in a high-end kitchen]]></media:text>
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                                                            <title><![CDATA[ With High Yields, Do Treasury Bonds Belong in Your Retirement Portfolio? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/with-high-yields-do-treasury-bonds-belong-in-your-retirement-portfolio</link>
                                                                            <description>
                            <![CDATA[ How Treasury bonds can protect your retirement nest egg. The upside, risk and low-down on T-bonds. ]]>
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                                                                        <pubDate>Mon, 03 Mar 2025 14:24:25 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Javier Simon ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/PeHtqxhvVUKS4q6xPuPEQE-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[The word &quot;treasury&quot; spelled out in brass letters on marble, likely at the Treasury Department.]]></media:description>                                                            <media:text><![CDATA[The word &quot;treasury&quot; spelled out in brass letters on marble, likely at the Treasury Department.]]></media:text>
                                <media:title type="plain"><![CDATA[The word &quot;treasury&quot; spelled out in brass letters on marble, likely at the Treasury Department.]]></media:title>
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                                                            <title><![CDATA[ Who Is Trump Nominee Daniel Aronowitz, Tapped to Oversee Pensions? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-plans/who-is-trump-nominee-daniel-aronowitz-tapped-to-oversee-pensions</link>
                                                                            <description>
                            <![CDATA[ Aronowitz will manage the Employee Benefits Security Administration (EBSA), which protects pension, health, and other benefits and enforces ERISA protections. ]]>
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                                                                        <pubDate>Tue, 25 Feb 2025 17:07:37 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/hr7e8PJS8aGEZKnAKW8evM-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[U.S. Department of Labor]]></media:description>                                                            <media:text><![CDATA[U.S. Department of Labor]]></media:text>
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                                                            <title><![CDATA[ Want to Retire With $100K a Year? Here's How Much to Save ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/want-to-retire-with-usd100k-a-year-heres-how-much-to-save</link>
                                                                            <description>
                            <![CDATA[ What "magic number" will be enough to generate $100K a year in retirement income? We do the math for you. ]]>
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                                                                        <pubDate>Wed, 19 Feb 2025 11:03:00 +0000</pubDate>                                                                                                                                <updated>Tue, 14 Oct 2025 17:45:17 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Adam Shell ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/jXJGREdw6RMKsD9mYCFQHj-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A senior black couple together on the tennis court.]]></media:description>                                                            <media:text><![CDATA[A senior black couple together on the tennis court.]]></media:text>
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                                                            <title><![CDATA[ How to Find a Financial Adviser for Retirement Planning ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/how-to-find-a-financial-adviser-for-retirement-planning</link>
                                                                            <description>
                            <![CDATA[ Finding the right financial adviser for retirement planning can save you time and money. Here's how to avoid sketchy ones and unearth the truly great advisers. ]]>
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                                                                        <pubDate>Mon, 10 Feb 2025 11:07:00 +0000</pubDate>                                                                                                                                <updated>Wed, 28 Jan 2026 15:34:21 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Annuities]]></category>
                                                    <category><![CDATA[Asset Allocation]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Adam Shell ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/HCTr6g9yBTEAqaKqagxsVG-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Happy mature financial adviser or insurance agent working on a computer while talking to her clients during a meeting in the office.]]></media:description>                                                            <media:text><![CDATA[Happy mature financial adviser or insurance agent working on a computer while talking to her clients during a meeting in the office.]]></media:text>
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                                                            <title><![CDATA[ Here's How Retirement Changes Your Taxes ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-retirement-changes-your-taxes</link>
                                                                            <description>
                            <![CDATA[ How you approach taxes in your golden years and in the years before retirement can dramatically impact how much you pay. ]]>
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                                                                        <pubDate>Sat, 01 Feb 2025 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@njretirementplanning.com (Joel V. Russo, LUTCF) ]]></author>                    <dc:creator><![CDATA[ Joel V. Russo, LUTCF ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9hfD7pGUouK8ncHCtn8BpM-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple go over financial paperwork at a table and with a laptop. ]]></media:description>                                                            <media:text><![CDATA[An older couple go over financial paperwork at a table and with a laptop. ]]></media:text>
                                <media:title type="plain"><![CDATA[An older couple go over financial paperwork at a table and with a laptop. ]]></media:title>
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                                                            <title><![CDATA[ 10 Reasons to Leave Your Heirs a Roth IRA ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/roth-iras/reasons-to-leave-your-heirs-a-roth-ira</link>
                                                                            <description>
                            <![CDATA[ Including a Roth IRA in your estate plan has clear tax advantages, which can be passed along to your heirs for years. But if passed down incorrectly, your heirs won’t reap the full benefits. ]]>
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                                                                        <pubDate>Thu, 09 Jan 2025 20:36:44 +0000</pubDate>                                                                                                                                <updated>Thu, 29 Jan 2026 15:25:52 +0000</updated>
                                                                                                                                            <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ upnorthwriter@icloud.com (Kathryn Pomroy) ]]></author>                    <dc:creator><![CDATA[ Kathryn Pomroy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/nbEp2YNftkCWiFMGDssYUP-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Grandparents with their two granddaughters looking at pictures on a smartphone, spending some quality time together, having fun.]]></media:description>                                                            <media:text><![CDATA[Grandparents with their two granddaughters looking at pictures on a smartphone, spending some quality time together, having fun.]]></media:text>
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                                                            <title><![CDATA[ Crypto in Your Retirement Account? It's Not a Crazy Question ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/crypto-in-your-retirement-account</link>
                                                                            <description>
                            <![CDATA[ Time was, including crypto in your retirement account seemed far too risky. Some financial experts now recommend it for diversification. But buyer beware. ]]>
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                                                                        <pubDate>Fri, 13 Dec 2024 11:42:20 +0000</pubDate>                                                                                                                                <updated>Fri, 03 Jan 2025 03:52:08 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Simplified Employee Pension (SEP) IRA]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Tom Taulli) ]]></author>                    <dc:creator><![CDATA[ Tom Taulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/P6fpSbN54DxkCkWRsixeoZ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Gold coins with cryptocurrency logos]]></media:description>                                                            <media:text><![CDATA[Gold coins with cryptocurrency logos]]></media:text>
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                                                            <title><![CDATA[ IRA vs. 401(k): Should You Pick One — or Both? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/ira-vs-401-k-should-you-pick-one-or-both</link>
                                                                            <description>
                            <![CDATA[ An IRA or 401(k) can help you supercharge your retirement savings. We'll help you pick one or opt for both. ]]>
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                                                                        <pubDate>Fri, 06 Dec 2024 11:08:40 +0000</pubDate>                                                                                                                                <updated>Wed, 07 May 2025 21:30:24 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Brandon Renfro ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Pe8zTBRARc8qikwn9hNHy9-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[401k and IRA piggy bank for saving money retirement concept]]></media:description>                                                            <media:text><![CDATA[401k and IRA piggy bank for saving money retirement concept]]></media:text>
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                                                            <title><![CDATA[ One Good Way to Withdraw Retirement Assets (and a Bad One) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/a-good-way-to-withdraw-retirement-assets-and-a-bad-way</link>
                                                                            <description>
                            <![CDATA[ Don't withdraw retirement assets haphazardly. Managing distributions intentionally can lower your taxes, conserve your wealth and reduce Medicare premiums. ]]>
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                                                                        <pubDate>Mon, 02 Dec 2024 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Health Savings Accounts]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                                                                <author><![CDATA[ justin@haywoodwealth.com (Justin Haywood, CFP®) ]]></author>                    <dc:creator><![CDATA[ Justin Haywood, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Dr9E4PMzSyenXB8MHQW7Pg-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Several piggy banks lined up in rows on a blue background.]]></media:description>                                                            <media:text><![CDATA[Several piggy banks lined up in rows on a blue background.]]></media:text>
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                                                            <title><![CDATA[ What You Should Know About Spousal IRAs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/spousal-iras-what-you-should-know</link>
                                                                            <description>
                            <![CDATA[ Without spousal IRAs, you would need earned income to contribute to your retirement account. ]]>
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                                                                        <pubDate>Tue, 19 Nov 2024 12:31:26 +0000</pubDate>                                                                                                                                <updated>Tue, 03 Jun 2025 22:35:04 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Sandra Block) ]]></author>                    <dc:creator><![CDATA[ Sandra Block ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/fPECHkGCFkfqDKvuWRgHUT-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Spousal IRA retirement plan and family figures.]]></media:description>                                                            <media:text><![CDATA[Spousal IRA retirement plan and family figures.]]></media:text>
                                <media:title type="plain"><![CDATA[Spousal IRA retirement plan and family figures.]]></media:title>
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                                                            <title><![CDATA[ Auto-IRAs: A Smart Boost to Your Retirement Strategy ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/auto-iras-a-smart-boost-to-your-retirement-strategy</link>
                                                                            <description>
                            <![CDATA[ Does your state allow automatic IRAs for employees without a 401(k)? It could be a powerful tool for your retirement. ]]>
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                                                                        <pubDate>Thu, 14 Nov 2024 13:58:50 +0000</pubDate>                                                                                                                                <updated>Fri, 15 Nov 2024 14:22:09 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Brandon Renfro ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Vjm78jcKb9Ydae6CXNe9Ai-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A group of office workers discuss workplace benefits, including auto-IRAs.]]></media:description>                                                            <media:text><![CDATA[A group of office workers discuss workplace benefits, including auto-IRAs.]]></media:text>
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                                                            <title><![CDATA[ No Roth IRA In Your Retirement Plan? The Pros and Cons of Adding One in 2025 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/roth-iras/good-time-to-open-a-roth-ira</link>
                                                                            <description>
                            <![CDATA[ Think you might want to open a Roth IRA? Roth IRAs offer tax-free growth of your investments and no RMDs, but income limits are low and you have to wait to withdraw earnings. ]]>
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                                                                        <pubDate>Wed, 13 Nov 2024 11:01:10 +0000</pubDate>                                                                                                                                <updated>Tue, 21 Jan 2025 23:59:12 +0000</updated>
                                                                                                                                            <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ upnorthwriter@icloud.com (Kathryn Pomroy) ]]></author>                    <dc:creator><![CDATA[ Kathryn Pomroy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/U47PPCU5kg6HHNMBruRzme-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank sitting next to a calculator has Roth IRA written on it in black marker.]]></media:description>                                                            <media:text><![CDATA[A piggy bank sitting next to a calculator has Roth IRA written on it in black marker.]]></media:text>
                                <media:title type="plain"><![CDATA[A piggy bank sitting next to a calculator has Roth IRA written on it in black marker.]]></media:title>
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                                                            <title><![CDATA[ Five Ways the Election Could Change Your Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/ways-the-election-could-change-your-retirement</link>
                                                                            <description>
                            <![CDATA[ From taxes to Social Security and beyond, the election could change your retirement depending on which candidate wins. Who takes the House and Senate also matters. ]]>
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                                                                        <pubDate>Fri, 18 Oct 2024 09:46:33 +0000</pubDate>                                                                                                                                <updated>Fri, 18 Oct 2024 13:13:08 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Adam Shell ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/oXg2udoN8NNrRPro2DE2qY-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[People voting at a U.S. polling place.]]></media:description>                                                            <media:text><![CDATA[People voting at a U.S. polling place.]]></media:text>
                                <media:title type="plain"><![CDATA[People voting at a U.S. polling place.]]></media:title>
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                                                            <title><![CDATA[ Six Changes to IRAs and 401(k)s in 2025 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/iras/changes-coming-to-iras-next-year</link>
                                                                            <description>
                            <![CDATA[ The 2025 rule changes for Roth and traditional IRAs could mean more money for your retirement. But you have to pay attention to reap the rewards. ]]>
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                                                                        <pubDate>Fri, 27 Sep 2024 09:39:00 +0000</pubDate>                                                                                                                                <updated>Fri, 03 Jan 2025 23:24:47 +0000</updated>
                                                                                                                                            <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/94STBnzgAuh5qanq6CY8ZB-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[2025 With Coins And Graph. Finance And Economy Concept.]]></media:description>                                                            <media:text><![CDATA[2025 With Coins And Graph. Finance And Economy Concept.]]></media:text>
                                <media:title type="plain"><![CDATA[2025 With Coins And Graph. Finance And Economy Concept.]]></media:title>
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                                                            <title><![CDATA[ Average IRA Balance by Age and Generation: How Does Your Retirement Account Compare? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/iras/the-average-ira-balance-by-age</link>
                                                                            <description>
                            <![CDATA[ You may have a higher IRA balance than your peers at the end of 2025 if you made smart decisions all the way back in 2022. Here's how to do it again. ]]>
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                                                                        <pubDate>Wed, 25 Sep 2024 09:47:34 +0000</pubDate>                                                                                                                                <updated>Thu, 12 Mar 2026 21:02:30 +0000</updated>
                                                                                                                                            <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Adam Shell ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bAqYbTtoeou2tnkCovKq7N-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[4 mature adults standing and sitting on bars from a bar graph to illustrate bank balance and financial status.]]></media:description>                                                            <media:text><![CDATA[4 mature adults standing and sitting on bars from a bar graph to illustrate bank balance and financial status.]]></media:text>
                                <media:title type="plain"><![CDATA[4 mature adults standing and sitting on bars from a bar graph to illustrate bank balance and financial status.]]></media:title>
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                                                            <title><![CDATA[ Should You Keep Your 401(k) When You Retire? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/keep-your-401k-when-you-retire</link>
                                                                            <description>
                            <![CDATA[ Here are three primary reasons you might want to consider moving your retirement money from your 401(k) to an IRA once you retire. ]]>
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                                                                        <pubDate>Fri, 13 Sep 2024 09:35:28 +0000</pubDate>                                                                                                                                <updated>Tue, 10 Feb 2026 22:53:41 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@peakretirementplanning.com (Joe F. Schmitz Jr., CFP®, ChFC®, CKA®) ]]></author>                    <dc:creator><![CDATA[ Joe F. Schmitz Jr., CFP®, ChFC®, CKA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/j5aPbe7oEorDC8wjM8dx5-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman looks at her laptop while sitting at her kitchen table.]]></media:description>                                                            <media:text><![CDATA[An older woman looks at her laptop while sitting at her kitchen table.]]></media:text>
                                <media:title type="plain"><![CDATA[An older woman looks at her laptop while sitting at her kitchen table.]]></media:title>
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                                                            <title><![CDATA[ Prepare to Start Taking Money Out of Your Inherited IRA ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/inheritance/prepare-to-start-taking-money-out-of-your-inherited-ira</link>
                                                                            <description>
                            <![CDATA[ The IRS has issued final rules on taking required distributions from an inherited IRA, and warns that the reprieve on penalties for adult children and other non-spouse beneficiaries who don't comply will end in 2025. ]]>
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                                                                        <pubDate>Sun, 08 Sep 2024 12:00:38 +0000</pubDate>                                                                                                                                <updated>Mon, 09 Sep 2024 01:30:23 +0000</updated>
                                                                                                                                            <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Sandra Block) ]]></author>                    <dc:creator><![CDATA[ Sandra Block ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ma7dD65C63T46NCHLxYtoS-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A couple look at paperwork and a laptop together at their kitchen table.]]></media:description>                                                            <media:text><![CDATA[A couple look at paperwork and a laptop together at their kitchen table.]]></media:text>
                                <media:title type="plain"><![CDATA[A couple look at paperwork and a laptop together at their kitchen table.]]></media:title>
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                                                            <title><![CDATA[ What Is an IRA and Which Type is Best for You? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/iras/what-is-an-ira-and-which-type-is-best-for-you</link>
                                                                            <description>
                            <![CDATA[ An Individual Retirement Account (IRA) is a tax-advantaged savings account to help you boost your nest egg. Learn which type of IRA is best for you. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Thu, 15 Aug 2024 09:16:00 +0000</pubDate>                                                                                                                                <updated>Wed, 26 Mar 2025 00:00:50 +0000</updated>
                                                                                                                                            <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Simplified Employee Pension (SEP) IRA]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Tom Taulli) ]]></author>                    <dc:creator><![CDATA[ Tom Taulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Q4x9qxtwuorNZPqSiEyk2W-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[What’s your plan for retirement message written on ripped torn paper piece on blue background. Conceptual what’s your plan for retirement symbol. Copy space.]]></media:description>                                                            <media:text><![CDATA[What’s your plan for retirement message written on ripped torn paper piece on blue background. Conceptual what’s your plan for retirement symbol. Copy space.]]></media:text>
                                <media:title type="plain"><![CDATA[What’s your plan for retirement message written on ripped torn paper piece on blue background. Conceptual what’s your plan for retirement symbol. Copy space.]]></media:title>
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