<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
     xmlns:content="http://purl.org/rss/1.0/modules/content/"
     xmlns:dc="https://purl.org/dc/elements/1.1/"
     xmlns:dcterms="http://purl.org/dc/terms/"
     xmlns:media="http://search.yahoo.com/mrss/"
     xmlns:atom="http://www.w3.org/2005/Atom"
>
    <channel>
        <atom:link href="https://www.kiplinger.com/feeds/tag/long-term-care" rel="self" type="application/rss+xml" />
                    <title><![CDATA[ Latest from Kiplinger in Long-term-care ]]></title>
                <link>https://www.kiplinger.com/retirement/long-term-care</link>
        <description><![CDATA[ All the latest long-term-care content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Fri, 27 Mar 2026 08:30:00 +0000</lastBuildDate>
                            <language>en</language>
                                <item>
                                                            <title><![CDATA[ I'm a Health Care Adviser: This Is the Long-Term Care Gap Women in Their 50s Can't Afford to Neglect ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/the-long-term-care-gap-women-in-their-50s-cant-afford-to-neglect</link>
                                                                            <description>
                            <![CDATA[ Women are the main providers of care — and will make up most of those needing it in future. Your 50s is when to start asking how you'll cover your own needs. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">aseKCQtxmqYvNKJjv8JMcn</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/2tqtuR97ZCQxMFRLxauJHU-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Fri, 27 Mar 2026 08:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ support@outlookfc.com (Lori Gross) ]]></author>                    <dc:creator><![CDATA[ Lori Gross ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/2tqtuR97ZCQxMFRLxauJHU-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Smiling mother and children enjoying a walk on the beach ]]></media:description>                                                            <media:text><![CDATA[Smiling mother and children enjoying a walk on the beach ]]></media:text>
                                <media:title type="plain"><![CDATA[Smiling mother and children enjoying a walk on the beach ]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/2tqtuR97ZCQxMFRLxauJHU-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ 3 Financial Hurdles Coming Up for Women: How to Overcome Them, From aFinancial Planner ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/financial-hurdles-coming-for-women-how-to-overcome-them</link>
                                                                            <description>
                            <![CDATA[ From the widow's penalty to higher health costs, women will encounter a host of money worries over the course of a lifetime. You need a robust financial plan. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">mg8e4ogbrcgtDMiBhdK6hg</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/utTL2KHvoHPqxCrtnXzFz5-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Mon, 09 Mar 2026 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ tony.drake@drakeandassociates.net (Tony Drake, CFP®, Investment Advisor Representative) ]]></author>                    <dc:creator><![CDATA[ Tony Drake, CFP®, Investment Advisor Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/utTL2KHvoHPqxCrtnXzFz5-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A woman jumps over a hurdle on a running track.]]></media:description>                                                            <media:text><![CDATA[A woman jumps over a hurdle on a running track.]]></media:text>
                                <media:title type="plain"><![CDATA[A woman jumps over a hurdle on a running track.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/utTL2KHvoHPqxCrtnXzFz5-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ It's Time to Bust These 3 Long-Term Care Myths (and Face Some Uncomfortable Truths) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/long-term-care-myths-and-uncomfortable-truths</link>
                                                                            <description>
                            <![CDATA[ None of us wants to think we'll need long-term care when we get older, but the odds are roughly even that we will. Which is all the more reason to understand the realities of LTC and how to pay for it. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">GcJY7MKm74J7Rx3xeUm7mj</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/H58EfquV2PRfhAbeCFch4d-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Tue, 24 Feb 2026 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@nuventurefinancialgroup.com (Ethan Robertson) ]]></author>                    <dc:creator><![CDATA[ Ethan Robertson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/H58EfquV2PRfhAbeCFch4d-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Senior woman looking thoughtful while holding a walking stick]]></media:description>                                                            <media:text><![CDATA[Senior woman looking thoughtful while holding a walking stick]]></media:text>
                                <media:title type="plain"><![CDATA[Senior woman looking thoughtful while holding a walking stick]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/H58EfquV2PRfhAbeCFch4d-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Today's Senior Living Communities Are Not Your Grandma's 'Old Folks' Home': An Expert Guide to Shopping for the Right Fit ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/senior-living-communities-finding-the-right-fit</link>
                                                                            <description>
                            <![CDATA[ Senior living facilities have improved and are as diverse as the people who inhabit them. Now, they're more than just a place to go — they're a place to grow. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">JYgLktx8iKfZETbC4yCT7b</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/SrbBbtP7MetL5eyggmDDCY-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Wed, 28 Jan 2026 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Happy Retirement]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Joel Theisen, RN ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/SrbBbtP7MetL5eyggmDDCY-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older man playing pickleball prepares to serve ]]></media:description>                                                            <media:text><![CDATA[An older man playing pickleball prepares to serve ]]></media:text>
                                <media:title type="plain"><![CDATA[An older man playing pickleball prepares to serve ]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/SrbBbtP7MetL5eyggmDDCY-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Is a Caregiving Strategy — for Yourself and Others — Missing From Your Retirement Plan? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/caregiving-strategy-in-your-retirement-plan</link>
                                                                            <description>
                            <![CDATA[ Millions of people over 65 care for grandkids, adult kids or aging parents and will also need care themselves. Building a caregiving strategy is crucial. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">HXcaTvvJxwWbUAuyHWvMPg</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/C69uu2nLhT2EoBcPTBiLYi-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Thu, 15 Jan 2026 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ anna@annarappaport.com (Anna M. Rappaport, FSA, MAAA) ]]></author>                    <dc:creator><![CDATA[ Anna M. Rappaport, FSA, MAAA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/C69uu2nLhT2EoBcPTBiLYi-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Two older women sitting outside on a deck and chat while drinking coffee.]]></media:description>                                                            <media:text><![CDATA[Two older women sitting outside on a deck and chat while drinking coffee.]]></media:text>
                                <media:title type="plain"><![CDATA[Two older women sitting outside on a deck and chat while drinking coffee.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/C69uu2nLhT2EoBcPTBiLYi-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ 6 Overlooked Areas That Can Make or Break Your Retirement, From a Retirement Adviser ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/overlooked-areas-that-can-make-or-break-your-retirement</link>
                                                                            <description>
                            <![CDATA[ If you're heading into retirement with scattered and uncertain plans, distilling them into these six areas can ensure you thrive in later life. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">BAyf3gJ3YXw8oHoaf2AmSd</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/TL66g85JyjYdsGWJirAFN9-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 03 Jan 2026 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                                    <dc:creator><![CDATA[ David Lukas, Investment Adviser Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/TL66g85JyjYdsGWJirAFN9-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A triangle outlined in white with an exclamation point in the center against a yellow background.]]></media:description>                                                            <media:text><![CDATA[A triangle outlined in white with an exclamation point in the center against a yellow background.]]></media:text>
                                <media:title type="plain"><![CDATA[A triangle outlined in white with an exclamation point in the center against a yellow background.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/TL66g85JyjYdsGWJirAFN9-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ I'm a Wealth Adviser: These Are the 7 Risks Your Retirement Plan Should Address ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/risks-your-retirement-plan-should-address</link>
                                                                            <description>
                            <![CDATA[ Your retirement needs to be able to withstand several major threats, including inflation, longevity, long-term care costs, market swings and more. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">eDzWDDtsds959RzzN8HZZ4</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/sVth3SXmQwUVBsGRjNq22M-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 03 Jan 2026 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Inflation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ erick@takepointwealth.com (Erick Arnett) ]]></author>                    <dc:creator><![CDATA[ Erick Arnett ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/sVth3SXmQwUVBsGRjNq22M-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Geometric shapes are balanced precariously against a purple and pink background.]]></media:description>                                                            <media:text><![CDATA[Geometric shapes are balanced precariously against a purple and pink background.]]></media:text>
                                <media:title type="plain"><![CDATA[Geometric shapes are balanced precariously against a purple and pink background.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/sVth3SXmQwUVBsGRjNq22M-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ A Financial Pro Breaks Retirement Planning Into 5 Manageable Pieces ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/retirement-planning-broken-into-manageable-pieces</link>
                                                                            <description>
                            <![CDATA[ This retirement plan focuses on five key areas — income generation, tax management, asset withdrawals, planning for big expenses and health care, and legacy. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">2RzHYCXUM2CMYYnrMJNEEm</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/bpriT6hgdt5tt2twdyyW9o-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 20 Dec 2025 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ info@meritadvisorsllc.com (J. Burke &quot;J.B.&quot; Howard) ]]></author>                    <dc:creator><![CDATA[ J. Burke &quot;J.B.&quot; Howard ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bpriT6hgdt5tt2twdyyW9o-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Five pieces of a puzzle arranged around a bigger piece in the center.]]></media:description>                                                            <media:text><![CDATA[Five pieces of a puzzle arranged around a bigger piece in the center.]]></media:text>
                                <media:title type="plain"><![CDATA[Five pieces of a puzzle arranged around a bigger piece in the center.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/bpriT6hgdt5tt2twdyyW9o-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Unwrapping Your Estate Plan for Your Kids: A Gift That'll Keep Giving Long After the Holidays ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/estate-planning/unwrapping-your-estate-plan-for-your-kids-the-best-gift</link>
                                                                            <description>
                            <![CDATA[ The holidays offer families a perfect opportunity to discuss important, often difficult topics like long-term care, estate plans and legacy. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">cWRpi46xdzjLuvFnqgit7d</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/FXQiy2VrmCNcFgqMkoLu7L-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Wed, 26 Nov 2025 10:40:00 +0000</pubDate>                                                                                                                                <updated>Wed, 26 Nov 2025 17:43:24 +0000</updated>
                                                                                                                                            <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Mallon FitzPatrick, CFP®, AEP®, CLU® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/FXQiy2VrmCNcFgqMkoLu7L-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A gift wrapped in red with a silver bow.]]></media:description>                                                            <media:text><![CDATA[A gift wrapped in red with a silver bow.]]></media:text>
                                <media:title type="plain"><![CDATA[A gift wrapped in red with a silver bow.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/FXQiy2VrmCNcFgqMkoLu7L-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ When Helping Mom and Dad Hurts Your Wallet ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/when-helping-mom-and-dad-hurts-your-wallet</link>
                                                                            <description>
                            <![CDATA[ New research shows how assisting an aging parent with expenses can strain your own finances. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">AcGQ2jFAWjRuKG5QjFHyt6</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/GmA7zZZzvn2PKNnVzJkiv8-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Thu, 20 Nov 2025 12:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Richard Eisenberg ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/GmA7zZZzvn2PKNnVzJkiv8-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A young woman helps her aging father with his finances on a laptop at the kitchen table.]]></media:description>                                                            <media:text><![CDATA[A young woman helps her aging father with his finances on a laptop at the kitchen table.]]></media:text>
                                <media:title type="plain"><![CDATA[A young woman helps her aging father with his finances on a laptop at the kitchen table.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/GmA7zZZzvn2PKNnVzJkiv8-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ A Retirement Guide for Solo Agers ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/a-retirement-guide-for-solo-agers</link>
                                                                            <description>
                            <![CDATA[ If you’re single without adult children to rely on for help, planning for your older years requires an added layer of intention and urgency. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">kqo6BgUKmyKSztJiLzd4cC</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/JSgNeyWUDRAR4hs8AAETXk-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Tue, 18 Nov 2025 11:05:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Diane Harris ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/JSgNeyWUDRAR4hs8AAETXk-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older man sits in a group staring out at the camera.]]></media:description>                                                            <media:text><![CDATA[An older man sits in a group staring out at the camera.]]></media:text>
                                <media:title type="plain"><![CDATA[An older man sits in a group staring out at the camera.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/JSgNeyWUDRAR4hs8AAETXk-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Deciding on Senior Living? 10 Things You Should Know ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/deciding-on-senior-living-10-things-you-should-know</link>
                                                                            <description>
                            <![CDATA[ Senior living options are no longer God's waiting room. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">gLndoc9kGvvTUYUoQKStTT</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/7YaTPsM9T4jNjqvxxNMGK4-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 26 Oct 2025 10:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 28 Oct 2025 17:28:15 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></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/7YaTPsM9T4jNjqvxxNMGK4-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Happy senior woman toasting with her husband while having a meal at dining table. the scene could be at a fancy restaurant or an upscale senior living community.]]></media:description>                                                            <media:text><![CDATA[Happy senior woman toasting with her husband while having a meal at dining table. the scene could be at a fancy restaurant or an upscale senior living community.]]></media:text>
                                <media:title type="plain"><![CDATA[Happy senior woman toasting with her husband while having a meal at dining table. the scene could be at a fancy restaurant or an upscale senior living community.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/7YaTPsM9T4jNjqvxxNMGK4-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ I'm a Financial Adviser: The OBBB Is a Reminder for Older People to Have a Long-Term Plan ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/the-obbb-is-a-reminder-for-older-people-to-have-a-long-term-plan</link>
                                                                            <description>
                            <![CDATA[ The new tax bill presents a good opportunity for retirees to revisit tax plans, look into doing some Roth conversions and consider plans for long-term care. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">HCN3yd6NMkrp2puVWnk99o</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/Lsc76gAfAtN9sGFrt8A4cG-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Fri, 03 Oct 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                                    <dc:creator><![CDATA[ Ashley Terrell, IAR ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Lsc76gAfAtN9sGFrt8A4cG-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <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>
                                <media:title type="plain"><![CDATA[An older couple work on financial planning together at their kitchen table.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/Lsc76gAfAtN9sGFrt8A4cG-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Three Striking Ways the 'Big Beautiful Bill' Affects Nursing Homes ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/striking-ways-the-big-beautiful-bill-affects-nursing-homes</link>
                                                                            <description>
                            <![CDATA[ Little-noticed provisions in the tax bill will ease requirements on nursing homes and make it harder for some patients to pay. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">EvLkMVsJaxQ4rqcZfTTm8G</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/tz7vQ3qsGvicSyxZUBjoE9-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Fri, 26 Sep 2025 09:51:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ elaine.silvestrini@futurenet.com (Elaine Silvestrini) ]]></author>                    <dc:creator><![CDATA[ Elaine Silvestrini ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/tz7vQ3qsGvicSyxZUBjoE9-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Usual day in crowded nursing home, healthcare workers working with senior people in nursing home.]]></media:description>                                                            <media:text><![CDATA[Usual day in crowded nursing home, healthcare workers working with senior people in nursing home.]]></media:text>
                                <media:title type="plain"><![CDATA[Usual day in crowded nursing home, healthcare workers working with senior people in nursing home.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/tz7vQ3qsGvicSyxZUBjoE9-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ A Financial Professional's Take on Long-Term Care Insurance: Buy or Not? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care-insurance/a-financial-professionals-take-on-long-term-care-insurance</link>
                                                                            <description>
                            <![CDATA[ Unless you have about $6,000 burning a hole in your pocket every month, you should make a plan in case you need long-term care. Luckily, you have options. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">poCEH8KAAfMyEzzaecvj4J</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/rzTuHK4J9xAzBSTGZH6PnV-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Wed, 20 Aug 2025 09:35:00 +0000</pubDate>                                                                                                                                <updated>Fri, 05 Sep 2025 21:30:42 +0000</updated>
                                                                                                                                            <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@genwealthutah.com (Randy Swartwood) ]]></author>                    <dc:creator><![CDATA[ Randy Swartwood ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rzTuHK4J9xAzBSTGZH6PnV-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A pink stethoscope and a pile of hundred-dollar bills against a blue background.]]></media:description>                                                            <media:text><![CDATA[A pink stethoscope and a pile of hundred-dollar bills against a blue background.]]></media:text>
                                <media:title type="plain"><![CDATA[A pink stethoscope and a pile of hundred-dollar bills against a blue background.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/rzTuHK4J9xAzBSTGZH6PnV-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ You Don't Want It, But You Should Plan for It Anyway: An Expert Guide to Long-Term Care ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/an-expert-guide-to-planning-for-long-term-care</link>
                                                                            <description>
                            <![CDATA[ Planning for long-term care is crucial to protect your independence, family and financial stability against unexpected health events and rising care costs not covered by standard insurance. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">DBsJUNJk5dqvtVkbbKqRs</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/WxPsQjbbqAqaRnrPRaE8wA-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 03 Aug 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Mallon FitzPatrick, CFP®, AEP®, CLU® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WxPsQjbbqAqaRnrPRaE8wA-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A serious couple work on financial planning together on their sofa.]]></media:description>                                                            <media:text><![CDATA[A serious couple work on financial planning together on their sofa.]]></media:text>
                                <media:title type="plain"><![CDATA[A serious couple work on financial planning together on their sofa.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/WxPsQjbbqAqaRnrPRaE8wA-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Prenups and Retirement Planning: Saying "I Do" In Later Life ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/prenups-and-retirement-planning-saying-i-do-in-later-life</link>
                                                                            <description>
                            <![CDATA[ Prenups aren't a traditional part of retirement planning, but for the growing number of over-65s getting remarried, they're an essential financial tool. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">vyqZixyq5nMq2rErBnh9iP</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/ZReE7Cv2dTFmSHdgu3tEUf-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Thu, 31 Jul 2025 13:15:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ brianoco101@gmail.com (Brian O&#039;Connell) ]]></author>                    <dc:creator><![CDATA[ Brian O&#039;Connell ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ZReE7Cv2dTFmSHdgu3tEUf-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple celebrate at their wedding.]]></media:description>                                                            <media:text><![CDATA[An older couple celebrate at their wedding.]]></media:text>
                                <media:title type="plain"><![CDATA[An older couple celebrate at their wedding.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/ZReE7Cv2dTFmSHdgu3tEUf-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Internet Directory of Resources to Help You Age in Place ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/internet-directory-of-resources-to-help-you-age-in-place</link>
                                                                            <description>
                            <![CDATA[ There's a wealth of experts, businesses and charities that can help you age in place, with advice on fall prevention, home modification and much more. Use our directory to locate services near you. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">iqDvCmCC4VBPvDcfGjx4DR</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/K4f4wTrMZcrC2FeziUDxAD-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Tue, 29 Jul 2025 20:58:20 +0000</pubDate>                                                                                                                                <updated>Tue, 29 Jul 2025 21:12:09 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                                                                <author><![CDATA[ elaine.silvestrini@futurenet.com (Elaine Silvestrini) ]]></author>                    <dc:creator><![CDATA[ Elaine Silvestrini ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/K4f4wTrMZcrC2FeziUDxAD-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Close-up of a man holding an elderly woman&#039;s hands.]]></media:description>                                                            <media:text><![CDATA[Close-up of a man holding an elderly woman&#039;s hands.]]></media:text>
                                <media:title type="plain"><![CDATA[Close-up of a man holding an elderly woman&#039;s hands.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/K4f4wTrMZcrC2FeziUDxAD-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ These Habits Could Reveal Your Risk of Cognitive Decline ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/these-habits-could-reveal-your-risk-of-cognitive-decline</link>
                                                                            <description>
                            <![CDATA[ There's no reliable tool for predicting your risk of cognitive decline, but new research suggests one area of everyday behavior might contain early warning signs. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">CmH45t2jUuzwRm4hURdZKh</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/WU2rZy2NPb9zks9LjHcHqX-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 27 Jul 2025 12:30:00 +0000</pubDate>                                                                                                                                <updated>Tue, 29 Jul 2025 14:19:38 +0000</updated>
                                                                                                                                            <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Christy Bieber ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WU2rZy2NPb9zks9LjHcHqX-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older man looks confused or surprised while looking at his laptop at home.]]></media:description>                                                            <media:text><![CDATA[An older man looks confused or surprised while looking at his laptop at home.]]></media:text>
                                <media:title type="plain"><![CDATA[An older man looks confused or surprised while looking at his laptop at home.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/WU2rZy2NPb9zks9LjHcHqX-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ A Financial Planner's Guide to Planning for Retirement Health Care Expenses ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/guide-to-planning-for-retirement-health-care-expenses</link>
                                                                            <description>
                            <![CDATA[ Whether you're eligible for Medicare or getting coverage through the Affordable Care Act, make sure you plan for premiums, deductibles and other out-of-pocket costs. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">NabZdPfKSyQEDATaCewuUR</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/hbFcgRMwLVK2UQspUiSjxP-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 26 Jul 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Health Savings Accounts]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                                                                <author><![CDATA[ lucas@mylighthouseplan.com (Lucas Cox, CFP® , CKA®, RICP®, NSSA®) ]]></author>                    <dc:creator><![CDATA[ Lucas Cox, CFP® , CKA®, RICP®, NSSA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/hbFcgRMwLVK2UQspUiSjxP-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A doctor uses her stethoscope to listen to an older woman&#039;s heart in a doctor&#039;s office. ]]></media:description>                                                            <media:text><![CDATA[A doctor uses her stethoscope to listen to an older woman&#039;s heart in a doctor&#039;s office. ]]></media:text>
                                <media:title type="plain"><![CDATA[A doctor uses her stethoscope to listen to an older woman&#039;s heart in a doctor&#039;s office. ]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/hbFcgRMwLVK2UQspUiSjxP-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ A Guide to Personalizing Your Retirement Plan for Maximum Impact ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/annuities/personalizing-your-retirement-plan-for-maximum-impact</link>
                                                                            <description>
                            <![CDATA[ This strategy challenges conventional retirement rules of thumb by combining traditional savings, home equity and annuities to provide higher income and liquid savings and help cover long-term care costs. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">FYBPAu5HNSNBAGGSysiV8W</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/QhbC6NrnDbMrcCTqT4W9gA-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Tue, 22 Jul 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Annuities]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Reverse Mortgages]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jerry Golden, Investment Adviser Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/QhbC6NrnDbMrcCTqT4W9gA-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older man measures a board for a project in his woodworking workshop.]]></media:description>                                                            <media:text><![CDATA[An older man measures a board for a project in his woodworking workshop.]]></media:text>
                                <media:title type="plain"><![CDATA[An older man measures a board for a project in his woodworking workshop.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/QhbC6NrnDbMrcCTqT4W9gA-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ I Have Plenty of Money: Why Do I Need a Long-Term Care Plan? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/i-have-plenty-of-money-why-do-i-need-a-long-term-care-plan</link>
                                                                            <description>
                            <![CDATA[ Long-term care planning, whether through insurance or self-funding, is crucial not only for financial protection but also to preserve family relationships and reduce the emotional and logistical burdens on loved ones. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">ouVwyjUdhNo3kRMtFe2Hx9</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/9WFeBvYyEopfJCJeMU27Mm-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 20 Jul 2025 09:30:00 +0000</pubDate>                                                                                                                                <updated>Mon, 21 Jul 2025 14:22:37 +0000</updated>
                                                                                                                                            <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@vitalityinvestments.org (Victoria Larson, RICP®) ]]></author>                    <dc:creator><![CDATA[ Victoria Larson, RICP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9WFeBvYyEopfJCJeMU27Mm-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman has an unsure expression on her face as she looks at her laptop at her dining room table. ]]></media:description>                                                            <media:text><![CDATA[An older woman has an unsure expression on her face as she looks at her laptop at her dining room table. ]]></media:text>
                                <media:title type="plain"><![CDATA[An older woman has an unsure expression on her face as she looks at her laptop at her dining room table. ]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/9WFeBvYyEopfJCJeMU27Mm-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Your Paycheck Stops in Retirement, But Your Life Doesn't: An Expert Guide to Planning for a Confident Future ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/an-expert-guide-to-planning-for-a-confident-retirement</link>
                                                                            <description>
                            <![CDATA[ Social Security will replace only about 40% of your salary, on average. A solid financial plan will help you plug the gap so you can rest easy in retirement. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">KVRXvX3jeSFnmEh2bt6T6i</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/ycjKyan5biq5YQjRUJmMfn-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 12 Jul 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ clark@goldenyearsria.com (Clark Smith) ]]></author>                    <dc:creator><![CDATA[ Clark Smith ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ycjKyan5biq5YQjRUJmMfn-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman looks serene as she sits in an armchair and looks out the window.]]></media:description>                                                            <media:text><![CDATA[An older woman looks serene as she sits in an armchair and looks out the window.]]></media:text>
                                <media:title type="plain"><![CDATA[An older woman looks serene as she sits in an armchair and looks out the window.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/ycjKyan5biq5YQjRUJmMfn-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ I'm a Financial Planner: Here Are Some Long-Term Care Insurance Tips for Every Age ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care-insurance/long-term-care-insurance-tips-for-every-age</link>
                                                                            <description>
                            <![CDATA[ Strategies include adding riders to life insurance for younger individuals and considering hybrid or traditional long-term care policies for those in their mid-50s and 60s. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">rh2z3DXbxJL7D6nmXaRdvH</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/Hwb3EfmQccWooT9KUvA2vX-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Fri, 11 Jul 2025 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Michael Aloi, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Hwb3EfmQccWooT9KUvA2vX-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[The words long-term care on an open notebook with a stethoscope wrapped around them.]]></media:description>                                                            <media:text><![CDATA[The words long-term care on an open notebook with a stethoscope wrapped around them.]]></media:text>
                                <media:title type="plain"><![CDATA[The words long-term care on an open notebook with a stethoscope wrapped around them.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/Hwb3EfmQccWooT9KUvA2vX-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ The Hidden Costs of Caregiving: Crisis Goes Well Beyond Financial Issues ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/hidden-costs-of-caregiving-crisis-goes-beyond-financial-issues</link>
                                                                            <description>
                            <![CDATA[ Many caregivers are drained emotionally as well as financially, leading to depression, burnout and depleted retirement prospects. What's to be done? ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">HLSmCa2Q9AJkehsXx7JLfY</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/3KS3s7Z3tKetj9Gz85eyHd-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Mon, 07 Jul 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Vanessa Okwuraiwe ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/3KS3s7Z3tKetj9Gz85eyHd-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A daughter pushes her mom&#039;s wheelchair as they go for a walk.]]></media:description>                                                            <media:text><![CDATA[A daughter pushes her mom&#039;s wheelchair as they go for a walk.]]></media:text>
                                <media:title type="plain"><![CDATA[A daughter pushes her mom&#039;s wheelchair as they go for a walk.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/3KS3s7Z3tKetj9Gz85eyHd-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Home Equity Evolution: A Fresh Approach to Funding Life's Biggest Needs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/shared-equity-model-a-fresh-approach-to-funding-lifes-biggest-needs</link>
                                                                            <description>
                            <![CDATA[ Homeowners leverage their home equity through various strategies, such as HELOCs or reverse mortgages. A newer option: Shared equity models. How do those work, and what are the pros and cons? ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">AMgxNCaEHwFuGV3FdC5HQG</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/q8cbNdREpupXUUxsaqRRWJ-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Tue, 01 Jul 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Reverse Mortgages]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ ccorn@cheifs.com (Craig Corn) ]]></author>                    <dc:creator><![CDATA[ Craig Corn ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/q8cbNdREpupXUUxsaqRRWJ-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A toy home sits on top of scattered hundred-dollar bills.]]></media:description>                                                            <media:text><![CDATA[A toy home sits on top of scattered hundred-dollar bills.]]></media:text>
                                <media:title type="plain"><![CDATA[A toy home sits on top of scattered hundred-dollar bills.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/q8cbNdREpupXUUxsaqRRWJ-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Your Home + Your IRA = Your Long-Term Care Solution ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/your-home-plus-your-ira-equals-your-long-term-care-solution</link>
                                                                            <description>
                            <![CDATA[ If you're worried that long-term care costs will drain your retirement savings, consider a personalized retirement plan that could solve your problem. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">6PvJk4hqCfygCwDT9pdZd9</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/yGZ96GmRZeTp8o5EE2E2WX-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 28 Jun 2025 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Reverse Mortgages]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jerry Golden, Investment Adviser Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/yGZ96GmRZeTp8o5EE2E2WX-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank inside the frame of a house against a purple background.]]></media:description>                                                            <media:text><![CDATA[A piggy bank inside the frame of a house against a purple background.]]></media:text>
                                <media:title type="plain"><![CDATA[A piggy bank inside the frame of a house against a purple background.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/yGZ96GmRZeTp8o5EE2E2WX-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Five Smart Moves for Retirement Health Care: Maximize Your HSA and Medigap Savings ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/smart-moves-for-retirement-healthcare-from-hsas-to-medigap-policies</link>
                                                                            <description>
                            <![CDATA[ Unchecked health care costs in retirement could blow a hole in your savings. Here’s how to avoid that. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">GUpKHEscN2i6Knq5RedswS</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/JBbJbXt3nwEygyW5NeaAaW-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Wed, 04 Jun 2025 21:28:23 +0000</pubDate>                                                                                                                                <updated>Fri, 31 Oct 2025 16:51:48 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Health Savings Accounts]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author>                    <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/JBbJbXt3nwEygyW5NeaAaW-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Husband pushing wife on a bike ]]></media:description>                                                            <media:text><![CDATA[Husband pushing wife on a bike ]]></media:text>
                                <media:title type="plain"><![CDATA[Husband pushing wife on a bike ]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/JBbJbXt3nwEygyW5NeaAaW-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Retirement Reality Check: Four Risks You'll Want to Avoid at All Costs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-risks-you-will-want-to-avoid-at-all-costs</link>
                                                                            <description>
                            <![CDATA[ There's no crystal ball for retirement planning, but the closest thing could be to consider the key risks you'll face in retirement and build a plan around them. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">QrKLKzHPZKFBsb9VQPb99k</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/Q2r5UkTsGMrU8qPPYZmFSX-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 24 May 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Health Savings Accounts]]></category>
                                                    <category><![CDATA[Inflation]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Nicole Farbo, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Q2r5UkTsGMrU8qPPYZmFSX-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A financial planner shows a client a chart while sitting at his kitchen table.]]></media:description>                                                            <media:text><![CDATA[A financial planner shows a client a chart while sitting at his kitchen table.]]></media:text>
                                <media:title type="plain"><![CDATA[A financial planner shows a client a chart while sitting at his kitchen table.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/Q2r5UkTsGMrU8qPPYZmFSX-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ In Your 50s? We Need to Talk About Long-Term Care ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/in-your-50s-we-need-to-talk-about-long-term-care</link>
                                                                            <description>
                            <![CDATA[ Many people don't like thinking about long-term care, but most people will need it. This financial professional recommends planning for these costs as early as possible to avoid stress later. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">doWuch2jJuWWTYToTRzrQM</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/o7RvS9BtJ9AGGo5sdjRTLC-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 18 May 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@medalistwealth.com (Matthew Eilers) ]]></author>                    <dc:creator><![CDATA[ Matthew Eilers ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/o7RvS9BtJ9AGGo5sdjRTLC-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A fiftysomething couple sit very close together while dining outside. ]]></media:description>                                                            <media:text><![CDATA[A fiftysomething couple sit very close together while dining outside. ]]></media:text>
                                <media:title type="plain"><![CDATA[A fiftysomething couple sit very close together while dining outside. ]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/o7RvS9BtJ9AGGo5sdjRTLC-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Running Out of Money in Retirement: Nine Steps to Help Reduce the Risk ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/running-out-of-money-in-retirement-steps-to-reduce-the-risk</link>
                                                                            <description>
                            <![CDATA[ Quit worrying about money and enjoy a carefree retirement. Sounds good, right? Well, if you follow these nine steps from a financial adviser, you could be on your way to that goal. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">YmCckGfaV2joC77w7FUPve</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/oDjtsqHdDvMPMV4M5NKHvQ-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 11 May 2025 09:35:00 +0000</pubDate>                                                                                                                                <updated>Mon, 02 Jun 2025 14:20:53 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ admin@thatcherwm.com (William Thatcher) ]]></author>                    <dc:creator><![CDATA[ William Thatcher ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/oDjtsqHdDvMPMV4M5NKHvQ-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older man holds up an empty wallet.]]></media:description>                                                            <media:text><![CDATA[An older man holds up an empty wallet.]]></media:text>
                                <media:title type="plain"><![CDATA[An older man holds up an empty wallet.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/oDjtsqHdDvMPMV4M5NKHvQ-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Holding Wealth: Why Retirees Shouldn't Focus on Leaving an Inheritance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/estate-planning/holding-wealth-why-retirees-shouldnt-focus-on-leaving-an-inheritance</link>
                                                                            <description>
                            <![CDATA[ From funding a college education to paying for long-term care or simply treating your family, there are plenty of reasons to use your hard-earned wealth now. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">jqXMiyBUYMwFhfq6zYCtwZ</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/KvzU5sKZLzBS9Z46GMv7xG-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Mon, 05 May 2025 10:06:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/KvzU5sKZLzBS9Z46GMv7xG-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A grandson is graduation from college, talking with his grandparents. His grandmother is straightening his tie. They look close and happy.]]></media:description>                                                            <media:text><![CDATA[A grandson is graduation from college, talking with his grandparents. His grandmother is straightening his tie. They look close and happy.]]></media:text>
                                <media:title type="plain"><![CDATA[A grandson is graduation from college, talking with his grandparents. His grandmother is straightening his tie. They look close and happy.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/KvzU5sKZLzBS9Z46GMv7xG-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Social Security Strategies for High-Net-Worth People ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security-strategies-for-high-net-worth-people</link>
                                                                            <description>
                            <![CDATA[ People who don't 'need' their Social Security may consider using their benefits to manage estate taxes and long-term care expenses. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">3Uapqa53LWdhErasZJiP36</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/DDDRUXsRKT2USTH4KNYexP-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Fri, 02 May 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ ash@oneteamfinancial.com (Ash Ahluwalia, CFP®, MBA, NSSA) ]]></author>                    <dc:creator><![CDATA[ Ash Ahluwalia, CFP®, MBA, NSSA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/DDDRUXsRKT2USTH4KNYexP-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An affluent couple smile as they look at a tablet on their porch.]]></media:description>                                                            <media:text><![CDATA[An affluent couple smile as they look at a tablet on their porch.]]></media:text>
                                <media:title type="plain"><![CDATA[An affluent couple smile as they look at a tablet on their porch.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/DDDRUXsRKT2USTH4KNYexP-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Planning for Health Care Costs in Retirement: A Comprehensive Guide ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/planning-for-health-care-costs-in-retirement</link>
                                                                            <description>
                            <![CDATA[ Medical expenses aren't slowing down, and if you're not prepared, they can hit you like a ton of bricks. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">atNPL9r8SmbFsrwzEMexcM</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/L68xNyczpdBPtyDDvJsP3P-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Mon, 21 Apr 2025 12:15:00 +0000</pubDate>                                                                                                                                <updated>Mon, 21 Apr 2025 16:25:50 +0000</updated>
                                                                                                                                            <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Health Savings Accounts]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Bob Chitrathorn ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/L68xNyczpdBPtyDDvJsP3P-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A happy retired couple hug in the kitchen while looking out the window.]]></media:description>                                                            <media:text><![CDATA[A happy retired couple hug in the kitchen while looking out the window.]]></media:text>
                                <media:title type="plain"><![CDATA[A happy retired couple hug in the kitchen while looking out the window.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/L68xNyczpdBPtyDDvJsP3P-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Financial Steps After a Loved One's Alzheimer's Diagnosis ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/alzheimers-diagnosis-financial-steps-to-take</link>
                                                                            <description>
                            <![CDATA[ It's important to move fast on legal safeguards, estate planning and more while your loved one still has the capacity to make decisions. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">LUADGwfQNgtRUWDdxBrZfd</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/6ZSKAkS8UmRZnF2g6r7ZdB-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Mon, 21 Apr 2025 09:35:00 +0000</pubDate>                                                                                                                                <updated>Wed, 23 Apr 2025 14:01:45 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ twest@seia.com (Thomas C. West, CLU®, ChFC®, AIF®) ]]></author>                    <dc:creator><![CDATA[ Thomas C. West, CLU®, ChFC®, AIF® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/6ZSKAkS8UmRZnF2g6r7ZdB-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A puzzle of an older woman shows a piece missing on the top right of her head.]]></media:description>                                                            <media:text><![CDATA[A puzzle of an older woman shows a piece missing on the top right of her head.]]></media:text>
                                <media:title type="plain"><![CDATA[A puzzle of an older woman shows a piece missing on the top right of her head.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/6ZSKAkS8UmRZnF2g6r7ZdB-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Family Caregivers Need Help. These Are the Policies They Say Would Make the Biggest Difference ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/family-caregivers-need-help-policies-they-say-would-make-a-difference</link>
                                                                            <description>
                            <![CDATA[ There are millions of people across the country caring for elderly or disabled family members. New research shows the key changes that would improve their lives and the lives of those they care for. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">GboTu3VyQhZSv9j9CZpdxJ</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/dmGwN6KQdgWQoZzUQJogX4-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Wed, 02 Apr 2025 10:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Christy Bieber ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/dmGwN6KQdgWQoZzUQJogX4-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A grandmother and her adult granddaughter stand in a kitchen. ]]></media:description>                                                            <media:text><![CDATA[A grandmother and her adult granddaughter stand in a kitchen. ]]></media:text>
                                <media:title type="plain"><![CDATA[A grandmother and her adult granddaughter stand in a kitchen. ]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/dmGwN6KQdgWQoZzUQJogX4-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ The Three Biggest Fears Keeping Retirees Up at Night ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/biggest-fears-keeping-retirees-up-at-night</link>
                                                                            <description>
                            <![CDATA[ Here are the steps you can take to put those fears to rest and retire with confidence so you can relax and enjoy the life you've planned. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">4pzPoHZDWbfNKXPdTJHq9j</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/9s9Q99m5ZBnXDJgrTh3uY4-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 30 Mar 2025 09:40:00 +0000</pubDate>                                                                                                                                <updated>Wed, 27 Aug 2025 20:37:28 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Happy Retirement]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></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/9s9Q99m5ZBnXDJgrTh3uY4-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older man in bed can&#039;t sleep and looks stressed.]]></media:description>                                                            <media:text><![CDATA[An older man in bed can&#039;t sleep and looks stressed.]]></media:text>
                                <media:title type="plain"><![CDATA[An older man in bed can&#039;t sleep and looks stressed.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/9s9Q99m5ZBnXDJgrTh3uY4-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Financial Pitfalls to Avoid in Your 30s, 40s and 50s ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/financial-pitfalls-to-avoid-in-your-30s-40s-and-50s</link>
                                                                            <description>
                            <![CDATA[ As you pass through each decade of working life and build wealth for retirement, watch out for the financial traps that can hinder your progress. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">f24R64ufpn3EXT8bufZq9K</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/jBr9GtE8FswN73uvVyZsa6-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 09 Mar 2025 09:30:00 +0000</pubDate>                                                                                                                                <updated>Mon, 10 Mar 2025 18:05:40 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                <author><![CDATA[ jpham@halberthargrove.com (Julia Pham, CFP®, AIF®, CDFA®) ]]></author>                    <dc:creator><![CDATA[ Julia Pham, CFP®, AIF®, CDFA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/jBr9GtE8FswN73uvVyZsa6-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A man stands at a gap between two cliffs.]]></media:description>                                                            <media:text><![CDATA[A man stands at a gap between two cliffs.]]></media:text>
                                <media:title type="plain"><![CDATA[A man stands at a gap between two cliffs.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/jBr9GtE8FswN73uvVyZsa6-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Five Key Retirement Challenges (and How to Face Them Head On) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/key-retirement-challenges-and-how-to-face-them-head-on</link>
                                                                            <description>
                            <![CDATA[ Life will inevitably throw challenges at you as you get older. But making a flexible retirement plan — and monitoring it regularly — can help you overcome them. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">vuxqgw7MWYVE5uyGcGxZKk</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/meAvyBXDHYK7LXpuEQ7DS6-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 08 Mar 2025 10:40:00 +0000</pubDate>                                                                                                                                <updated>Mon, 10 Mar 2025 18:05:04 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@westgrp.com (Walt West) ]]></author>                    <dc:creator><![CDATA[ Walt West ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/meAvyBXDHYK7LXpuEQ7DS6-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Two older men sit on the side of a lake and talk. ]]></media:description>                                                            <media:text><![CDATA[Two older men sit on the side of a lake and talk. ]]></media:text>
                                <media:title type="plain"><![CDATA[Two older men sit on the side of a lake and talk. ]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/meAvyBXDHYK7LXpuEQ7DS6-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <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. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">es3SDMzKfH5sy2W3qAh2CP</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/EVRr34HRdLWFBTJ7qABUVJ-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <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">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <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>
                                <media:title type="plain"><![CDATA[A toy red umbrella is over the heads of a toy wooden family.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/EVRr34HRdLWFBTJ7qABUVJ-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Planning for Healthcare Costs: How Financial Advisers Can Guide Their Clients ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-financial-advisers-can-help-clients-plan-for-health-care-costs</link>
                                                                            <description>
                            <![CDATA[ Here are five ways financial professionals can advise clients to take a strategic approach to their healthcare costs today to help safeguard their tomorrow. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">caHpK9dUsnGiNCcG9UMet5</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/XCTfCvs9FHSQMJdrZYz4H3-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Mon, 03 Mar 2025 10:35:00 +0000</pubDate>                                                                                                                                <updated>Wed, 12 Mar 2025 16:44:49 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ communication@advisorsexcel.com (Jake Klima) ]]></author>                    <dc:creator><![CDATA[ Jake Klima ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/XCTfCvs9FHSQMJdrZYz4H3-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple laugh and smile as their financial adviser explains something.]]></media:description>                                                            <media:text><![CDATA[An older couple laugh and smile as their financial adviser explains something.]]></media:text>
                                <media:title type="plain"><![CDATA[An older couple laugh and smile as their financial adviser explains something.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/XCTfCvs9FHSQMJdrZYz4H3-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Caregiving Is a Stealth Retirement Expense for Women: I Should Know ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/caregiving-is-a-stealth-retirement-expense-for-women-i-should-know</link>
                                                                            <description>
                            <![CDATA[ Eldercare takes a toll on everyone, but women's careers tend to suffer more — with dire consequences over the long term. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">Jho2KFNTD55MNsbTWSM2xH</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/oer7zqTTjg69z5xKAPfhL7-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 01 Mar 2025 11:17:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ MP Dunleavey ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/oer7zqTTjg69z5xKAPfhL7-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older father and middle-aged daughter smile at the camera in their backyard.]]></media:description>                                                            <media:text><![CDATA[An older father and middle-aged daughter smile at the camera in their backyard.]]></media:text>
                                <media:title type="plain"><![CDATA[An older father and middle-aged daughter smile at the camera in their backyard.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/oer7zqTTjg69z5xKAPfhL7-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ What Does Medicare Not Cover? Eight Things You Should Know ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/what-does-medicare-not-cover</link>
                                                                            <description>
                            <![CDATA[ Medicare Part A and Part B leave gaps in your healthcare coverage. But Medicare Advantage has problems, too. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">quQnBXsXdVEEQiBSbzbCoF</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/FehCCSMZLJH6XYE4sBfyRT-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Wed, 26 Feb 2025 18:21:14 +0000</pubDate>                                                                                                                                <updated>Tue, 06 Jan 2026 20:39:03 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/FehCCSMZLJH6XYE4sBfyRT-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Senior doctor in scrubs refusing Medicare Card - stock photo]]></media:description>                                                            <media:text><![CDATA[Senior doctor in scrubs refusing Medicare Card - stock photo]]></media:text>
                                <media:title type="plain"><![CDATA[Senior doctor in scrubs refusing Medicare Card - stock photo]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/FehCCSMZLJH6XYE4sBfyRT-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Five Retirement Myths vs the Reality ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-myths-vs-the-reality</link>
                                                                            <description>
                            <![CDATA[ Believing these myths about retirement could set you down the wrong path. Separating fact from fiction can help you approach your retirement with confidence. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">NTVAAG5SMRTdyNuPQfMYj9</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/7ZcDp5D8qQN2Uze8TyCN4X-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 23 Feb 2025 10:40:00 +0000</pubDate>                                                                                                                                <updated>Thu, 18 Sep 2025 16:52:44 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ tony.drake@drakeandassociates.net (Tony Drake, CFP®, Investment Advisor Representative) ]]></author>                    <dc:creator><![CDATA[ Tony Drake, CFP®, Investment Advisor Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/7ZcDp5D8qQN2Uze8TyCN4X-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A woman looks thoughtful while working on her laptop at a table.]]></media:description>                                                            <media:text><![CDATA[A woman looks thoughtful while working on her laptop at a table.]]></media:text>
                                <media:title type="plain"><![CDATA[A woman looks thoughtful while working on her laptop at a table.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/7ZcDp5D8qQN2Uze8TyCN4X-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ How Obesity Drugs Like Ozempic Could Revolutionize Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/how-glp-1-drugs-could-revolutionize-retirement</link>
                                                                            <description>
                            <![CDATA[ GLP-1 drugs like Ozempic and Wegovy are already changing the way we age and manage chronic conditions. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">MySdP7Vsfja3tKpyv9a2jT</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/q2h2zEHVgAjQ6EatuV4yFi-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 22 Feb 2025 11:32:00 +0000</pubDate>                                                                                                                                <updated>Fri, 21 Mar 2025 15:36:35 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ jacobsschroeder@gmail.com (Jacob Schroeder) ]]></author>                    <dc:creator><![CDATA[ Jacob Schroeder ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/q2h2zEHVgAjQ6EatuV4yFi-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older man in athletic gear is jogging through a park while listening to music.]]></media:description>                                                            <media:text><![CDATA[An older man in athletic gear is jogging through a park while listening to music.]]></media:text>
                                <media:title type="plain"><![CDATA[An older man in athletic gear is jogging through a park while listening to music.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/q2h2zEHVgAjQ6EatuV4yFi-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ These Two Issues Are Critical to Efficient Retirement Planning ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/tax-planning-and-health-care-critical-to-efficient-retirement-planning</link>
                                                                            <description>
                            <![CDATA[ You're saving hard for retirement, but if you're not thinking ahead about taxes and the cost of health care, your savings — and your legacy — could be at risk. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">fvA9bJvZ7y532Fmba8W9iG</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/yxxEzdUMwfVoUpbEg65qtX-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Wed, 12 Feb 2025 10:35:00 +0000</pubDate>                                                                                                                                <updated>Wed, 27 Aug 2025 20:34:44 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></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/yxxEzdUMwfVoUpbEg65qtX-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A man&#039;s fingers hold one of two wooden blocks with dollar signs on them.]]></media:description>                                                            <media:text><![CDATA[A man&#039;s fingers hold one of two wooden blocks with dollar signs on them.]]></media:text>
                                <media:title type="plain"><![CDATA[A man&#039;s fingers hold one of two wooden blocks with dollar signs on them.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/yxxEzdUMwfVoUpbEg65qtX-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Five Ways to Ease Caregiver Stress ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/five-ways-to-ease-caregiver-stress</link>
                                                                            <description>
                            <![CDATA[ Caregiver stress is real. Here are five techniques to protect your health and happiness while caring for a loved one. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">2Ct4ubpwVsiM5uJ2DcQX35</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/pGxEVW8XWUysq8HpqWAbqY-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 09 Feb 2025 11:20:00 +0000</pubDate>                                                                                                                                <updated>Tue, 11 Feb 2025 20:17:20 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ MP Dunleavey ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/pGxEVW8XWUysq8HpqWAbqY-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[an older mother relaxes close to her daughter on a beach. The mood is calm and loving.]]></media:description>                                                            <media:text><![CDATA[an older mother relaxes close to her daughter on a beach. The mood is calm and loving.]]></media:text>
                                <media:title type="plain"><![CDATA[an older mother relaxes close to her daughter on a beach. The mood is calm and loving.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/pGxEVW8XWUysq8HpqWAbqY-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Retirement Income Planning for Unfunded Health Care Costs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-income-planning-for-unfunded-health-care-costs</link>
                                                                            <description>
                            <![CDATA[ Retirement income plans often don't include late-in-life health or long-term care expenses. Here's how to cover for the unplanned withdrawals to pay for those. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">gKEY7NegGcEwErnjSVQfGk</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/JcwWcEZhxst8mYqF4r3vPA-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Tue, 04 Feb 2025 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jerry Golden, Investment Adviser Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/JcwWcEZhxst8mYqF4r3vPA-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A doctor consults with his patient, an older man.]]></media:description>                                                            <media:text><![CDATA[A doctor consults with his patient, an older man.]]></media:text>
                                <media:title type="plain"><![CDATA[A doctor consults with his patient, an older man.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/JcwWcEZhxst8mYqF4r3vPA-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ How to Retire Early Due to Disability or Caretaking ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/how-to-retire-early-due-to-disability-or-caretaking</link>
                                                                            <description>
                            <![CDATA[ If you must retire early due to disability or to care for a loved one, these six steps to make it work financially. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">s8Ljj7TdfTvyoEieFT6nFk</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/4oG4R7FUMx22eCvrsUdaad-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 01 Feb 2025 11:08:00 +0000</pubDate>                                                                                                                                <updated>Wed, 29 Oct 2025 17:08:01 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ jacobsschroeder@gmail.com (Jacob Schroeder) ]]></author>                    <dc:creator><![CDATA[ Jacob Schroeder ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/4oG4R7FUMx22eCvrsUdaad-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Portrait of an elderly mother and middle-aged daughter smiling together.]]></media:description>                                                            <media:text><![CDATA[Portrait of an elderly mother and middle-aged daughter smiling together.]]></media:text>
                                <media:title type="plain"><![CDATA[Portrait of an elderly mother and middle-aged daughter smiling together.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/4oG4R7FUMx22eCvrsUdaad-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ If Not Long-Term Care Insurance, Then What? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/if-not-long-term-care-insurance-then-what</link>
                                                                            <description>
                            <![CDATA[ If you don't buy long-term care insurance, how can you plan to cover your long-term care needs once they (most likely inevitably) arise? ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">UNFviLCsDvFqx7MKRjUnzQ</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/QMtyvT7ujz2xojwQoyxH7d-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Fri, 31 Jan 2025 10:45:00 +0000</pubDate>                                                                                                                                <updated>Wed, 27 Aug 2025 20:20:37 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@peakretirementplanning.com (Joe F. Schmitz Jr., CFP®, ChFC®) ]]></author>                    <dc:creator><![CDATA[ Joe F. Schmitz Jr., CFP®, ChFC® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/QMtyvT7ujz2xojwQoyxH7d-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman and man both appear thoughtful as they look into the distance.]]></media:description>                                                            <media:text><![CDATA[An older woman and man both appear thoughtful as they look into the distance.]]></media:text>
                                <media:title type="plain"><![CDATA[An older woman and man both appear thoughtful as they look into the distance.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/QMtyvT7ujz2xojwQoyxH7d-1280-80.jpg" />
                                                                                        </item>
            </channel>
</rss>