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                    <title><![CDATA[ Latest from Kiplinger in Life-insurance ]]></title>
                <link>https://www.kiplinger.com/personal-finance/insurance/life-insurance</link>
        <description><![CDATA[ All the latest life-insurance content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Fri, 20 Feb 2026 16:49:10 +0000</lastBuildDate>
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                                                            <title><![CDATA[ Is Life Insurance Taxable When It's Paid Out? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/life-insurance/is-life-insurance-taxable-when-its-paid-out</link>
                                                                            <description>
                            <![CDATA[ You received a big check from your loved one's life insurance policy. Will the IRS be expecting a check from you now? ]]>
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                                                                        <pubDate>Fri, 20 Feb 2026 16:49:10 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rachael Green ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ykW2Ytyx7bdnFz3wBnBfj3-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A senior woman reviews financial paperwork at her desk.]]></media:description>                                                            <media:text><![CDATA[A senior woman reviews financial paperwork at her desk.]]></media:text>
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                                                            <title><![CDATA[ 9 Types of Insurance You Probably Don't Need ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/types-of-insurance-you-dont-need</link>
                                                                            <description>
                            <![CDATA[ If you're paying for these types of insurance, you might be wasting your money. Here's what you need to know. ]]>
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                                                                        <pubDate>Fri, 19 Dec 2025 12:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 24 Feb 2026 16:07:33 +0000</updated>
                                                                                                                                            <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (David Rodeck) ]]></author>                    <dc:creator><![CDATA[ David Rodeck ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/fMroKMDB2XSEPVLA9bdKk9-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Mature man looking at partner while using laptop in living room. Couple is at home during COVID-19 pandemic. They are sitting on sofa.]]></media:description>                                                            <media:text><![CDATA[Mature man looking at partner while using laptop in living room. Couple is at home during COVID-19 pandemic. They are sitting on sofa.]]></media:text>
                                <media:title type="plain"><![CDATA[Mature man looking at partner while using laptop in living room. Couple is at home during COVID-19 pandemic. They are sitting on sofa.]]></media:title>
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                                                            <title><![CDATA[ I'm an Insurance Pro: Going Without Life Insurance Is Like Driving Without a Seat Belt Because You Don't Plan to Crash ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/life-insurance/why-you-shouldnt-go-without-life-insurance</link>
                                                                            <description>
                            <![CDATA[ Life insurance is that boring-but-crucial thing you really need to get now so that your family doesn't have to launch a GoFundMe when you're gone. ]]>
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                                                                        <pubDate>Fri, 12 Dec 2025 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ karl@susmaninsurance.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/m9RKtdcQ3pebLL8fMyLFqB-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older man driving at night isn&#039;t wearing a seat belt.]]></media:description>                                                            <media:text><![CDATA[An older man driving at night isn&#039;t wearing a seat belt.]]></media:text>
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                                                            <title><![CDATA[ I'm Embarrassed to Ask: What Is a Life Insurance Trust? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/life-insurance/what-is-a-life-insurance-trust</link>
                                                                            <description>
                            <![CDATA[ Life insurance trusts, particularly irrevocable life insurance trusts (ILITs), can minimize estate taxes and protect your heir's inheritance. ]]>
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                                                                        <pubDate>Mon, 10 Nov 2025 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Marguerite Weese, JD, LL.M. ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/mqXTGwN52BuPnapGs5bk4S-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older man has his hand on the side of his face and head tilted like he&#039;s embarrassed to be asking.]]></media:description>                                                            <media:text><![CDATA[An older man has his hand on the side of his face and head tilted like he&#039;s embarrassed to be asking.]]></media:text>
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                                                            <title><![CDATA[ Four Military Benefits That Have Helped My Family ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/family-savings/military-benefits-that-have-helped-my-family</link>
                                                                            <description>
                            <![CDATA[ Military life can be challenging for servicemembers and their families, but they're offered some significant financial benefits to help cushion the blow. ]]>
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                                                                        <pubDate>Sat, 01 Nov 2025 10:02:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[College]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/VYfMXsuUwyWfntpAX3uEnH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Child hugging a military service member. ]]></media:description>                                                            <media:text><![CDATA[Child hugging a military service member. ]]></media:text>
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                                                            <title><![CDATA[ Financial Fact vs Fiction: The Truth About Social Security Entitlement (and Reverse Mortgages' Bad Rap) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/the-truth-about-social-security-entitlement-and-reverse-mortgages</link>
                                                                            <description>
                            <![CDATA[ Despite the 'entitlement' moniker, Social Security and Medicare are both benefits that workers earn. And reverse mortgages can be a strategic tool for certain people. Plus, we're setting the record straight on three other myths. ]]>
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                                                                        <pubDate>Thu, 16 Oct 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Reverse Mortgages]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ scott.mcclatchey@ballastrockpw.com (Scott McClatchey, CFP®) ]]></author>                    <dc:creator><![CDATA[ Scott McClatchey, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/3hmAdwafq2UYYDeQQFJ5XJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[&quot;Myth&quot; written on a red arrow and &quot;true&quot; written on a green arrow.]]></media:description>                                                            <media:text><![CDATA[&quot;Myth&quot; written on a red arrow and &quot;true&quot; written on a green arrow.]]></media:text>
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                                                            <title><![CDATA[ This Is How Life Insurance Can Fund Your Dreams Now ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/life-insurance/how-life-insurance-can-fund-your-dreams-now</link>
                                                                            <description>
                            <![CDATA[ Beyond a death benefit, life insurance can provide significant financial value and flexibility through 'living benefits' while you are still alive, helping with expenses like education, business ventures or retirement. ]]>
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                                                                        <pubDate>Mon, 15 Sep 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kevin Brayton, MBA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/tzGusmRZD4ULXf3v6jpJKD-1280-80.jpg">
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                                                            <title><![CDATA[ You Need to Have This Financial Talk With Your Spouse ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/estate-planning/you-need-to-have-this-financial-talk-with-your-spouse</link>
                                                                            <description>
                            <![CDATA[ Women are poised to inherit significant wealth from their husbands. Here's how they can prepare for it. ]]>
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                                                                        <pubDate>Thu, 31 Jul 2025 11:00:00 +0000</pubDate>                                                                                                                                <updated>Thu, 31 Jul 2025 15:11:42 +0000</updated>
                                                                                                                                            <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Cameron Huddleston ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5VSEAbCHAmBYKunDD3dXZ4-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A retired couple have a serious conversation at the island in their kitchen.]]></media:description>                                                            <media:text><![CDATA[A retired couple have a serious conversation at the island in their kitchen.]]></media:text>
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                                                            <title><![CDATA[ What About Those ‘Guaranteed’ Life Insurance Ads? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/what-about-those-guaranteed-life-insurance-ads</link>
                                                                            <description>
                            <![CDATA[ Guaranteed life insurance policies can sound tempting if you've been declined for insurance elsewhere. Here are four downsides and one alternative. ]]>
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                                                                        <pubDate>Mon, 30 Jun 2025 13:18:50 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Robert H. Yunich ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WT4njtWfzHoiH6buQJsRUE-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[African American couple on a outdoor walk and hike enjoying bird watching and photography.]]></media:description>                                                            <media:text><![CDATA[African American couple on a outdoor walk and hike enjoying bird watching and photography.]]></media:text>
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                                                            <title><![CDATA[ I'm an Insurance Expert: Yes, You Need Life Insurance Even if the Kids Are Grown and the House Is Paid Off ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/life-insurance/yes-you-need-life-insurance-even-if-the-kids-are-grown</link>
                                                                            <description>
                            <![CDATA[ Life insurance isn't about you. It's about providing for loved ones and covering expenses after you're gone. Here are five key reasons to have it. ]]>
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                                                                        <pubDate>Fri, 06 Jun 2025 09:30:00 +0000</pubDate>                                                                                                                                <updated>Fri, 06 Jun 2025 21:38:42 +0000</updated>
                                                                                                                                            <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ Questions@InsuranceHour.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/FAP3nWY4X6Dp6AmhYhRmzi-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A red umbrella over a family of wooden figures against a blue background.]]></media:description>                                                            <media:text><![CDATA[A red umbrella over a family of wooden figures against a blue background.]]></media:text>
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                                                            <title><![CDATA[ Five Smart Ways to Use Your Life Insurance While You're Still Alive ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/life-insurance/smart-ways-to-use-your-life-insurance-while-youre-alive</link>
                                                                            <description>
                            <![CDATA[ Life insurance can do more than just provide for your heirs — here’s how to maximize your policy while you’re still here. ]]>
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                                                                        <pubDate>Thu, 15 May 2025 17:26:06 +0000</pubDate>                                                                                                                                <updated>Thu, 02 Oct 2025 15:28:22 +0000</updated>
                                                                                                                                            <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ laura@everydaybythelake.com (Laura Gariepy) ]]></author>                    <dc:creator><![CDATA[ Laura Gariepy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/CSVkg7JvNT5MiEzdUwwrC8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A couple is going over their life insurance policy with their insurance agent. ]]></media:description>                                                            <media:text><![CDATA[A couple is going over their life insurance policy with their insurance agent. ]]></media:text>
                                <media:title type="plain"><![CDATA[A couple is going over their life insurance policy with their insurance agent. ]]></media:title>
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                                                            <title><![CDATA[ Why Now is a Good Time to Get Whole Life Insurance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/life-insurance/why-you-should-get-whole-life-insurance-after-the-fed-meeting</link>
                                                                            <description>
                            <![CDATA[ Now is a good time to diversify your retirement portfolio with a whole life insurance policy. ]]>
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                                                                        <pubDate>Tue, 13 May 2025 10:00:00 +0000</pubDate>                                                                                                                                <updated>Thu, 19 Mar 2026 19:54:13 +0000</updated>
                                                                                                                                            <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rachael Green ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/yU9RTvRzipJohfP8tkKS9o-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A senior couple reviews finances at the kitchen table.]]></media:description>                                                            <media:text><![CDATA[A senior couple reviews finances at the kitchen table.]]></media:text>
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                                                            <title><![CDATA[ What Is Term Life Insurance? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/life-insurance/what-is-term-life-insurance</link>
                                                                            <description>
                            <![CDATA[ Term life insurance offers affordable coverage for a set period — here's how it works and when it makes sense to buy a policy. ]]>
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                                                                        <pubDate>Mon, 05 May 2025 10:00:00 +0000</pubDate>                                                                                                                                <updated>Thu, 18 Dec 2025 20:02:06 +0000</updated>
                                                                                                                                            <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/RT8RvvizqVDXnMCmFqTjMd-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple work on financial planning together at their kitchen table.]]></media:description>                                                            <media:text><![CDATA[An older couple work on financial planning together at their kitchen table.]]></media:text>
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                                                            <title><![CDATA[ What Is Whole Life Insurance, and Do You Need It? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/life-insurance/what-is-whole-life-insurance</link>
                                                                            <description>
                            <![CDATA[ Learn about whole life insurance, including how it works, how much it costs and if it might be right for you. ]]>
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                                                                        <pubDate>Fri, 02 May 2025 10:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 30 Dec 2025 21:51:53 +0000</updated>
                                                                                                                                            <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ laura@everydaybythelake.com (Laura Gariepy) ]]></author>                    <dc:creator><![CDATA[ Laura Gariepy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ip833Z26Bcq2dhW7ahVbtJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A businessman inserts a coin into a piggybank on his office desk. ]]></media:description>                                                            <media:text><![CDATA[A businessman inserts a coin into a piggybank on his office desk. ]]></media:text>
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                                                            <title><![CDATA[ Borrowing Against Your Life Insurance: How It Works and What to Consider ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/borrowing-against-your-life-insurance-how-it-works</link>
                                                                            <description>
                            <![CDATA[ Borrowing against your life insurance policy can be a flexible way to access cash without a credit check or structured repayment schedule. But is it the right move for you? This guide breaks down the process. ]]>
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                                                                        <pubDate>Sat, 08 Mar 2025 11:00:00 +0000</pubDate>                                                                                                                                <updated>Wed, 02 Jul 2025 21:20:09 +0000</updated>
                                                                                                                                            <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Dori Zinn ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/QNpr5dEdQQrYDebBZRX3Lm-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Couple consulting with female advisor]]></media:description>                                                            <media:text><![CDATA[Couple consulting with female advisor]]></media:text>
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                                                            <title><![CDATA[ Why Insurance Can Be a Financial Lifesaver ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/why-insurance-can-be-a-financial-lifesaver</link>
                                                                            <description>
                            <![CDATA[ Regularly reviewing the types and amounts of insurance coverage is essential for a comprehensive financial plan. ]]>
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                                                                        <pubDate>Fri, 07 Mar 2025 13:15:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                                                                                    <dc:creator><![CDATA[ Mario Hernandez ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/EVRr34HRdLWFBTJ7qABUVJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A toy red umbrella is over the heads of a toy wooden family.]]></media:description>                                                            <media:text><![CDATA[A toy red umbrella is over the heads of a toy wooden family.]]></media:text>
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                                                            <title><![CDATA[ Six Steps to Simplify Your Estate for Your Heirs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/steps-to-simplify-your-estate-for-your-heirs</link>
                                                                            <description>
                            <![CDATA[ A simplified estate strategy will expedite the settlement of your estate after you're gone, lower audit risk, reduce costs and cut your beneficiaries' stress. ]]>
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                                                                        <pubDate>Thu, 06 Mar 2025 10:40:00 +0000</pubDate>                                                                                                                                <updated>Tue, 16 Dec 2025 19:25:04 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Howard Sharfman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/4Dk8VPR5VbvHuifNGUE4KH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A multigenerational family walks together on the beach.]]></media:description>                                                            <media:text><![CDATA[A multigenerational family walks together on the beach.]]></media:text>
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                                                            <title><![CDATA[ Here's How Estate Planning Can Make Your Retirement Easier ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-estate-planning-can-make-your-retirement-easier</link>
                                                                            <description>
                            <![CDATA[ These estate and legacy planning tools and strategies can help lower your taxes, protect your wealth and more, leaving you to relax during your golden years. ]]>
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                                                                        <pubDate>Tue, 18 Feb 2025 10:35:00 +0000</pubDate>                                                                                                                                <updated>Wed, 27 Aug 2025 20:34:18 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ cliff@apex-wealth.net (Cliff Ambrose, CTS™, CAS®) ]]></author>                    <dc:creator><![CDATA[ Cliff Ambrose, CTS™, CAS® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/B3kqB9fk8nwnzFeD5gtqyJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple smile as they walk arm in arm down a beach.]]></media:description>                                                            <media:text><![CDATA[An older couple smile as they walk arm in arm down a beach.]]></media:text>
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                                                            <title><![CDATA[ Empowering Widows: Five Goals for Financial Security in 2025 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/empowering-widows-goals-for-financial-security</link>
                                                                            <description>
                            <![CDATA[ Tackling these strategies one at a time, whether it's updating estate planning or reassessing investments, can help put you on track for financial stability. ]]>
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                                                                        <pubDate>Fri, 07 Feb 2025 10:40:00 +0000</pubDate>                                                                                                                                <updated>Fri, 07 Feb 2025 21:02:17 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ marketing@francisfinancial.com (Stacy Francis, CFP®, CDFA®, CES™) ]]></author>                    <dc:creator><![CDATA[ Stacy Francis, CFP®, CDFA®, CES™ ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/fgWwK8rc7ScXWHdBbSxUxX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman leans back against the railing of a footbridge and looks thoughtfully toward the sky. ]]></media:description>                                                            <media:text><![CDATA[A woman leans back against the railing of a footbridge and looks thoughtfully toward the sky. ]]></media:text>
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                                                            <title><![CDATA[ A Strategic Way to Address the Tax-Deferred Disconnect ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/strategic-way-to-address-the-tax-deferred-disconnect</link>
                                                                            <description>
                            <![CDATA[ What you don't know could cost you a fortune. Here's how to make the most of a tax-deferred retirement account and possibly save your heirs a bunch on taxes. ]]>
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                                                                        <pubDate>Thu, 16 Jan 2025 10:30:00 +0000</pubDate>                                                                                                                                <updated>Fri, 17 Jan 2025 14:20:38 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Life Insurance]]></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>
                                                                                                <author><![CDATA[ jim@jimsloan.com (Jim E. Sloan, IAR) ]]></author>                    <dc:creator><![CDATA[ Jim E. Sloan, IAR ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bGh97XNAoNt65bViriTGF9-1280-80.jpg">
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                                                            <title><![CDATA[ To Insure or Not to Insure: Is Life Insurance Necessary? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/is-life-insurance-necessary</link>
                                                                            <description>
                            <![CDATA[ Even if you're young and single with no dependents, you may need some life insurance. Here's how to figure out what and how much you may need. ]]>
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                                                                        <pubDate>Wed, 15 Jan 2025 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Isaac Morris ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ZJ4xjr36tS6V267kEUUfGZ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman seems to consider her options, looking into the distance.]]></media:description>                                                            <media:text><![CDATA[A woman seems to consider her options, looking into the distance.]]></media:text>
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                                                            <title><![CDATA[ Are Democrats or Republicans Better for My Insurance Premiums? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/are-democrats-or-republicans-better-for-my-insurance-premiums</link>
                                                                            <description>
                            <![CDATA[ Let's compare how these two political parties might affect your insurance premiums now that the 2024 election is over. ]]>
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                                                                        <pubDate>Fri, 03 Jan 2025 10:30:00 +0000</pubDate>                                                                                                                                <updated>Fri, 03 Jan 2025 16:03:16 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ karl@susmaninsurance.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/f4pZQUAMmSSxg3STss6H2H-1280-80.jpg">
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                                                            <title><![CDATA[ Why Your Life Insurance Should Cover More Than Just Death ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/why-your-life-insurance-should-cover-more-than-just-death</link>
                                                                            <description>
                            <![CDATA[ If you became ill or an injury left you unable to work, how would you cover your expenses? Life insurance with living benefits could be the answer. ]]>
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                                                                        <pubDate>Mon, 25 Nov 2024 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ sgreenberg@lenoxadvisors.com (Stefan Greenberg, CFP®, CFS, CLTC) ]]></author>                    <dc:creator><![CDATA[ Stefan Greenberg, CFP®, CFS, CLTC ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/C8LAuUhCDiyi3dhxTuNDGj-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[The words life insurance on white paper with a pen and eyeglasses on top.]]></media:description>                                                            <media:text><![CDATA[The words life insurance on white paper with a pen and eyeglasses on top.]]></media:text>
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                                                            <title><![CDATA[ Are You an Estate Planning Procrastinator? Where to Start ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/estate-planning-procrastinator-where-to-start</link>
                                                                            <description>
                            <![CDATA[ Quit putting it off, because it's vital for you and your heirs. From wills and trusts to executors and taxes, here are some essential points to keep in mind. ]]>
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                                                                        <pubDate>Tue, 05 Nov 2024 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Life Insurance]]></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>
                                                                                                                    <dc:creator><![CDATA[ Alex Diaz, MBA, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/LMSHt4QmdV2jUpk2DdphMZ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple sit at a conference room table with a financial adviser.]]></media:description>                                                            <media:text><![CDATA[An older couple sit at a conference room table with a financial adviser.]]></media:text>
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                                                            <title><![CDATA[ Five Options for Retirees Who No Longer Need Life Insurance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/options-for-retirees-who-no-longer-need-life-insurance</link>
                                                                            <description>
                            <![CDATA[ If you're retired and you've checked with your financial planner that life insurance is no longer vital, here are five ways you can turn it to your advantage. ]]>
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                                                                        <pubDate>Sun, 03 Nov 2024 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ EBeach@exit59advisory.com (Evan T. Beach, CFP®, AWMA®) ]]></author>                    <dc:creator><![CDATA[ Evan T. Beach, CFP®, AWMA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9SdSNtS59M83FVQqeHsRhT-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A young woman hugs her mother from behind while they look at a laptop on the dining room table.]]></media:description>                                                            <media:text><![CDATA[A young woman hugs her mother from behind while they look at a laptop on the dining room table.]]></media:text>
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                                                            <title><![CDATA[ How to Rank Your Financial Priorities ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-to-rank-your-financial-priorities</link>
                                                                            <description>
                            <![CDATA[ Circumstances are different for everyone, but this adviser with 20-plus years of experience shares some insights on getting your financial priorities in order. ]]>
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                                                                        <pubDate>Mon, 14 Oct 2024 09:30:48 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Charity]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                <author><![CDATA[ andrew@diversifiedllc.com (Andrew Rosen, CFP®, CEP) ]]></author>                    <dc:creator><![CDATA[ Andrew Rosen, CFP®, CEP ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/v7MmzgohGLwY7Aub9FpFhd-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank with a bull&#039;s-eye and arrows sticking out of it.]]></media:description>                                                            <media:text><![CDATA[A piggy bank with a bull&#039;s-eye and arrows sticking out of it.]]></media:text>
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                                                            <title><![CDATA[ Six Reasons to Have Life Insurance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/reasons-to-have-life-insurance</link>
                                                                            <description>
                            <![CDATA[ The peace of mind from knowing your family is financially protected if something happens to you is invaluable, but there are other compelling reasons, too. ]]>
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                                                                        <pubDate>Mon, 07 Oct 2024 09:30:54 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Anthony Martin ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/wUVjrwGH8ARmAcyoU5JTxA-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A daughter and her father look at a map while hiking on a mountain.]]></media:description>                                                            <media:text><![CDATA[A daughter and her father look at a map while hiking on a mountain.]]></media:text>
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                                                            <title><![CDATA[ Let's Talk About Life Insurance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/lets-talk-about-life-insurance</link>
                                                                            <description>
                            <![CDATA[ Here's why it's so important to have a family conversation about life insurance and financial planning. It may be easier than you think. ]]>
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                                                                        <pubDate>Fri, 20 Sep 2024 09:35:46 +0000</pubDate>                                                                                                                                <updated>Tue, 24 Sep 2024 17:14:57 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kevin Brayton, MBA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/pP9s5RF3ff95ZGEVZCXViR-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A multigenerational family talks and laughs over dinner.]]></media:description>                                                            <media:text><![CDATA[A multigenerational family talks and laughs over dinner.]]></media:text>
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                                                            <title><![CDATA[ Four Common Misconceptions About Life Insurance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/common-misconceptions-about-life-insurance</link>
                                                                            <description>
                            <![CDATA[ Just because you have no dependents and no debt doesn't mean life insurance wouldn't come in exceedingly handy for someone in your life or even a charity. ]]>
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                                                                        <pubDate>Fri, 13 Sep 2024 09:40:44 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ karl@susmaninsurance.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/gCBe6EYHoaGbeZLg2Rd8AZ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman looks relieved as she leans her head back while sitting in the sun.]]></media:description>                                                            <media:text><![CDATA[An older woman looks relieved as she leans her head back while sitting in the sun.]]></media:text>
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                                                            <title><![CDATA[ How Much Life Insurance Do You Really Need? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-much-life-insurance-do-you-really-need</link>
                                                                            <description>
                            <![CDATA[ Here's an example of what life insurance coverage would look like, with actual dollar amounts, for a hypothetical family with a mortgage and student debt. ]]>
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                                                                        <pubDate>Thu, 05 Sep 2024 09:45:14 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ andrew@diversifiedllc.com (Andrew Rosen, CFP®, CEP) ]]></author>                    <dc:creator><![CDATA[ Andrew Rosen, CFP®, CEP ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5UrvgK8eRZCiNkTGpvc7ZX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Young parents hold a folded cardboard box over their heads while playing with their toddler in the living room.]]></media:description>                                                            <media:text><![CDATA[Young parents hold a folded cardboard box over their heads while playing with their toddler in the living room.]]></media:text>
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                                                            <title><![CDATA[ Five Ways to Lower Your Risk in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/ways-to-lower-your-risk-in-retirement</link>
                                                                            <description>
                            <![CDATA[ If you're losing sleep at night worrying about your investments, you might want to consider the benefits of protecting at least some of your principal. ]]>
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                                                                        <pubDate>Sun, 01 Sep 2024 09:30:10 +0000</pubDate>                                                                                                                                <updated>Tue, 04 Feb 2025 16:53:59 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Bonds]]></category>
                                                    <category><![CDATA[Annuities]]></category>
                                                    <category><![CDATA[fixed income]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ plan@kedrec.com (Mike Decker, NSSA®) ]]></author>                    <dc:creator><![CDATA[ Mike Decker, NSSA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/JRtMQVkyRqqpga3G4qHnNf-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank wears a bike helmet.]]></media:description>                                                            <media:text><![CDATA[A piggy bank wears a bike helmet.]]></media:text>
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                                                            <title><![CDATA[ Benefits of Permanent Life Insurance in Your Estate Plan ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/benefits-of-permanent-life-insurance-in-your-estate-plan</link>
                                                                            <description>
                            <![CDATA[ Liquidity and tax-free benefits can bring peace of mind to policyholders, and the healthier and younger you are when you get it, the better. ]]>
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                                                                        <pubDate>Thu, 22 Aug 2024 10:10:13 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rich Guerrini ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/EVRr34HRdLWFBTJ7qABUVJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A toy red umbrella is over the heads of a toy wooden family.]]></media:description>                                                            <media:text><![CDATA[A toy red umbrella is over the heads of a toy wooden family.]]></media:text>
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                                                            <title><![CDATA[ What to Consider Before Buying Life Insurance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/buying-life-insurance-what-to-consider</link>
                                                                            <description>
                            <![CDATA[ For National Insurance Awareness Day, here’s the lowdown on the types of life insurance out there and what could work for you and your budget. ]]>
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                                                                        <pubDate>Fri, 28 Jun 2024 09:30:38 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ Pat@Simaskolaw.com (Patrick M. Simasko, J.D.) ]]></author>                    <dc:creator><![CDATA[ Patrick M. Simasko, J.D. ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5z77i6jeFyMXUb24wZW4-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man in a suit smiles and shakes hands with the woman across the table from him.]]></media:description>                                                            <media:text><![CDATA[A man in a suit smiles and shakes hands with the woman across the table from him.]]></media:text>
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                                                            <title><![CDATA[ How to Donate Your Life Insurance Policy to Charity ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/donate-life-insurance-policy-to-charity</link>
                                                                            <description>
                            <![CDATA[ Donating an unneeded life insurance policy to charity can extend your charitable legacy. To maximize that gift, consider methods that may reduce your tax burden. ]]>
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                                                                        <pubDate>Tue, 25 Jun 2024 09:40:40 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Charity]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Caleb Lund, CAP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/v2EnpPacG8rtCB2LwqdqZR-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older man looks at his phone while sitting at his dining room table in front of his open laptop.]]></media:description>                                                            <media:text><![CDATA[An older man looks at his phone while sitting at his dining room table in front of his open laptop.]]></media:text>
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                                                            <title><![CDATA[ Five Tips for Choosing Your Insurance Agent or Broker ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/tips-for-choosing-your-insurance-agent-or-broker</link>
                                                                            <description>
                            <![CDATA[ Selecting an insurance professional could be as important as picking a surgeon. It might not be literal life-or-death, but it could be financial life-or-death. ]]>
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                                                                        <pubDate>Fri, 14 Jun 2024 09:40:01 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[insurance companies]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ karl@susmaninsurance.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/pBNtwBfzXWkCkDxKAVJBpY-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A professional woman talks with a couple at a conference table in an office.]]></media:description>                                                            <media:text><![CDATA[A professional woman talks with a couple at a conference table in an office.]]></media:text>
                                <media:title type="plain"><![CDATA[A professional woman talks with a couple at a conference table in an office.]]></media:title>
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                                                            <title><![CDATA[ I Didn’t Think I Needed an Estate Plan Until This Happened ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/estate-plan-i-did-not-think-i-needed-one-until-this-happened</link>
                                                                            <description>
                            <![CDATA[ This financial professional was motivated to get her estate plan in order after the untimely death of a loved one. She shares six simple steps to do that for yourself. ]]>
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                                                                        <pubDate>Sat, 01 Jun 2024 09:45:11 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ pam@wealthramp.com (Pam Krueger) ]]></author>                    <dc:creator><![CDATA[ Pam Krueger ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/yJ4x73GyB3AheBsAc8cu9-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman signs estate planning documents, only her hands showing.]]></media:description>                                                            <media:text><![CDATA[A woman signs estate planning documents, only her hands showing.]]></media:text>
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                                                            <title><![CDATA[ When Is the Perfect Time to Buy Life Insurance? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/perfect-time-to-buy-life-insurance</link>
                                                                            <description>
                            <![CDATA[ This is not an easily answered question, other than 'when you're the youngest and healthiest you can be.' Your occupation, habits and extracurricular activities will also affect your premium. ]]>
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                                                                        <pubDate>Fri, 17 May 2024 09:45:45 +0000</pubDate>                                                                                                                                <updated>Fri, 17 May 2024 14:01:13 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ karl@susmaninsurance.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/s6YFKH4rUgyPxoE6bCX2WE-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A young husband and wife smile and laugh as they look at a laptop at the kitchen table while their toddler is in the woman&#039;s lap.]]></media:description>                                                            <media:text><![CDATA[A young husband and wife smile and laugh as they look at a laptop at the kitchen table while their toddler is in the woman&#039;s lap.]]></media:text>
                                <media:title type="plain"><![CDATA[A young husband and wife smile and laugh as they look at a laptop at the kitchen table while their toddler is in the woman&#039;s lap.]]></media:title>
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                                                            <title><![CDATA[ Should You Take the Survivor Option on Your Pension? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/survivor-option-on-pension-should-you-take-it</link>
                                                                            <description>
                            <![CDATA[ In some cases, you could buy life insurance instead and get a better deal in protecting your spouse. There are some things to keep in mind, though. ]]>
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                                                                        <pubDate>Fri, 17 May 2024 09:40:54 +0000</pubDate>                                                                                                                                <updated>Mon, 16 Mar 2026 14:43:47 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Long-term Care]]></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/g62LKPwwVqr7aFLfWBQBtH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older man looks at paperwork and talks on the phone at home.]]></media:description>                                                            <media:text><![CDATA[An older man looks at paperwork and talks on the phone at home.]]></media:text>
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                                                            <title><![CDATA[ Six Essential Retirement Strategies for Baby Boomers ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/baby-boomers-retirement-strategies</link>
                                                                            <description>
                            <![CDATA[ Emergency funds, estate plans, different kinds of insurance and smart investing strategies are all parts of a strong retirement plan. ]]>
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                                                                        <pubDate>Sat, 04 May 2024 09:30:45 +0000</pubDate>                                                                                                                                <updated>Mon, 13 May 2024 15:29:02 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ justin@stiverswealth.com (Justin Stivers, Esq.) ]]></author>                    <dc:creator><![CDATA[ Justin Stivers, Esq. ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/MU8bQf4wGFaufVXjVg5gxH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A Baby Boomer couple laugh and smile at each other while standing on the deck of a boat.]]></media:description>                                                            <media:text><![CDATA[A Baby Boomer couple laugh and smile at each other while standing on the deck of a boat.]]></media:text>
                                <media:title type="plain"><![CDATA[A Baby Boomer couple laugh and smile at each other while standing on the deck of a boat.]]></media:title>
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                                                            <title><![CDATA[ Which Type of Life Insurance Is Right for You? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/which-type-of-life-insurance-is-right-for-you</link>
                                                                            <description>
                            <![CDATA[ Life insurance isn’t a one-size-fits-all option. Here are the differences between term life, whole life and indexed universal life insurance. ]]>
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                                                                        <pubDate>Mon, 15 Apr 2024 09:30:59 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ dorso@qualityseniorbenefitsllc.com (Jay Dorso) ]]></author>                    <dc:creator><![CDATA[ Jay Dorso ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/dNF8qA2YkKkxvNzT4Bm9Af-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[The words life insurance are written on a sticky note on top of a spiral notebook next to a calculator.]]></media:description>                                                            <media:text><![CDATA[The words life insurance are written on a sticky note on top of a spiral notebook next to a calculator.]]></media:text>
                                <media:title type="plain"><![CDATA[The words life insurance are written on a sticky note on top of a spiral notebook next to a calculator.]]></media:title>
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                                                            <title><![CDATA[ How Life Insurance Can Help You Preserve Your Wealth ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-life-insurance-can-help-preserve-your-wealth</link>
                                                                            <description>
                            <![CDATA[ Life insurance not only provides liquidity for your family to cover immediate expenses after you pass, but it also can minimize estate taxes. ]]>
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                                                                        <pubDate>Fri, 29 Mar 2024 09:40:17 +0000</pubDate>                                                                                                                                <updated>Fri, 19 Apr 2024 19:06:17 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ justin@stiverswealth.com (Justin Stivers, Esq.) ]]></author>                    <dc:creator><![CDATA[ Justin Stivers, Esq. ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kDQGhmzvMGKihuRknt5chX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank is enclosed in a protective bubble against a pink background.]]></media:description>                                                            <media:text><![CDATA[A piggy bank is enclosed in a protective bubble against a pink background.]]></media:text>
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                                                            <title><![CDATA[ Three Big Ways That Life Insurance Can Be a Lifeline ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/big-ways-life-insurance-can-be-a-lifeline</link>
                                                                            <description>
                            <![CDATA[ Life insurance not only provides a safety net for loved ones and leaves behind a lasting legacy, but the cash value can also help during financial hardship. ]]>
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                                                                        <pubDate>Wed, 27 Mar 2024 09:40:51 +0000</pubDate>                                                                                                                                <updated>Thu, 28 Mar 2024 13:53:55 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Steve Sugumele ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/v67ar8nzTUMdYcBAyPB7rg-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A life ring is leaned up against a piggy bank.]]></media:description>                                                            <media:text><![CDATA[A life ring is leaned up against a piggy bank.]]></media:text>
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                                                            <title><![CDATA[ If You’re Retired, Do You Still Need Life Insurance? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/if-youre-retired-do-you-still-need-life-insurance</link>
                                                                            <description>
                            <![CDATA[ It depends, but in general people tend to be underinsured early in life and overinsured later in life. Before making any decisions, get a needs analysis. ]]>
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                                                                        <pubDate>Mon, 12 Feb 2024 10:40:50 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ EBeach@exit59advisory.com (Evan T. Beach, CFP®, AWMA®) ]]></author>                    <dc:creator><![CDATA[ Evan T. Beach, CFP®, AWMA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/qNG5G2uhoMDMMbToCMpH9V-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman discusses paperwork with a financial adviser.]]></media:description>                                                            <media:text><![CDATA[An older woman discusses paperwork with a financial adviser.]]></media:text>
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                                                            <title><![CDATA[ Life Insurance Beneficiary: What It Is and How It Works ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/life-insurance/life-insurance-beneficiary-what-is-it-and-how-does-it-work</link>
                                                                            <description>
                            <![CDATA[ Have you designated your life insurance beneficiary? Take just a moment now to protect your legacy. ]]>
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                                                                        <pubDate>Sat, 03 Feb 2024 10:50:05 +0000</pubDate>                                                                                                                                <updated>Mon, 06 Jan 2025 15:04:56 +0000</updated>
                                                                                                                                            <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Karon Warren ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/99mMHbJSNjYdNXtkFPmihU-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A grandfather and granddaughters having fun on the beach.]]></media:description>                                                            <media:text><![CDATA[A grandfather and granddaughters having fun on the beach.]]></media:text>
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                                                            <title><![CDATA[ Five Things I Wish I'd Known Before I Retired ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/what-i-wish-id-known-before-i-retired</link>
                                                                            <description>
                            <![CDATA[ Not only can these insights save you a boatload of stress later in life, but they can help ensure that you have a happy retirement. ]]>
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                                                                        <pubDate>Fri, 29 Dec 2023 10:30:04 +0000</pubDate>                                                                                                                                <updated>Wed, 08 Oct 2025 15:42:54 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Annuities]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ pam@wealthramp.com (Pam Krueger) ]]></author>                    <dc:creator><![CDATA[ Pam Krueger ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/EmXaxgMvF3gXb8gzxUnEjX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[The number five in green on a white card surrounded by green leaves.]]></media:description>                                                            <media:text><![CDATA[The number five in green on a white card surrounded by green leaves.]]></media:text>
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                                                            <title><![CDATA[ Where to Start Financially After a Life-Changing Diagnosis ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/life-changing-diagnosis-where-to-start-financially</link>
                                                                            <description>
                            <![CDATA[ Dealing with an illness, yours or your child’s or that of another loved one, is hard enough without adding financial duress. Here are some considerations and suggestions for covering expenses. ]]>
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                                                                        <pubDate>Fri, 01 Dec 2023 10:30:11 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Stephen B. Dunbar III, JD, CLU ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9Npdd7sSXjXvJgYh4p5RGN-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A worried-looking father holds his young son close.]]></media:description>                                                            <media:text><![CDATA[A worried-looking father holds his young son close.]]></media:text>
                                <media:title type="plain"><![CDATA[A worried-looking father holds his young son close.]]></media:title>
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                                                            <title><![CDATA[ Are You Too Young for Life Insurance? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/are-you-too-young-for-life-insurance</link>
                                                                            <description>
                            <![CDATA[ An even better question is this: Would someone who depends on you for their standard of living suffer financially if you were to suddenly pass away? ]]>
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                                                                        <pubDate>Thu, 09 Nov 2023 10:30:39 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ brianna@definedplanning.com (Brianna Gutierrez, Investment Adviser Representative) ]]></author>                    <dc:creator><![CDATA[ Brianna Gutierrez, Investment Adviser Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/D6CS3n5y6eVYYtkHAuzqZL-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A young couple sit on the floor in front of their sofa and look at financial paperwork.]]></media:description>                                                            <media:text><![CDATA[A young couple sit on the floor in front of their sofa and look at financial paperwork.]]></media:text>
                                <media:title type="plain"><![CDATA[A young couple sit on the floor in front of their sofa and look at financial paperwork.]]></media:title>
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                                                            <title><![CDATA[ Long-Term Care Planning Protects You and Your Family ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care-planning-protects-you-and-your-family</link>
                                                                            <description>
                            <![CDATA[ More likely than not, you’ll need some form of long-term care in retirement. Figuring out now how to handle the costs would be like building a fence around your retirement home. ]]>
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                                                                        <pubDate>Fri, 27 Oct 2023 09:30:14 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Annuities]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Tim Schultz, NSSA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ziq6vrwWuVeQ5padkF5JzB-1280-80.jpg">
                                                            <media:credit><![CDATA[Preservation Retirement Services]]></media:credit>
                                                                                                                                                                        <media:description><![CDATA[Tim Schultz and Laura Schultz, right, in their office, where they provide their clients with info on long-term care planning and other retirement issues.]]></media:description>                                                            <media:text><![CDATA[A couple sit in the office of financial advisers to get advice.]]></media:text>
                                <media:title type="plain"><![CDATA[A couple sit in the office of financial advisers to get advice.]]></media:title>
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                                <item>
                                                            <title><![CDATA[ How Much Life Insurance Do You Need? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/insurance/t034-c000-s002-how-much-life-insurance-do-you-need.html</link>
                                                                            <description>
                            <![CDATA[ When assessing how much life insurance you need, take a systematic approach instead of relying on rules of thumb. ]]>
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                                                                        <pubDate>Tue, 24 Oct 2023 11:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 27 Jan 2026 21:29:42 +0000</updated>
                                                                                                                                            <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/jGg4ccEWUbGpscMj4pRnw9-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A financial adviser helps a couple manage their finances]]></media:description>                                                            <media:text><![CDATA[A financial adviser helps a couple manage their finances]]></media:text>
                                <media:title type="plain"><![CDATA[A financial adviser helps a couple manage their finances]]></media:title>
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                                                            <title><![CDATA[ Want to Feel Better About Life Insurance? Go Digital ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/life-insurance/digital-life-insurance</link>
                                                                            <description>
                            <![CDATA[ Customer satisfaction with life insurance and annuity products picks up substantially when participants go digital, J.D. Power survey shows. ]]>
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                                                                        <pubDate>Fri, 20 Oct 2023 18:45:03 +0000</pubDate>                                                                                                                                <updated>Fri, 20 Oct 2023 18:48:29 +0000</updated>
                                                                                                                                            <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Annuities]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></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/9eP52KJSSA7FFmjVf7WwuT-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A granddaughter and grandmother look at life insurance and annuity products online.]]></media:description>                                                            <media:text><![CDATA[A granddaughter and grandmother look at life insurance and annuity products online.]]></media:text>
                                <media:title type="plain"><![CDATA[A granddaughter and grandmother look at life insurance and annuity products online.]]></media:title>
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