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                    <title><![CDATA[ Latest from Kiplinger in Long-term-care-insurance ]]></title>
                <link>https://www.kiplinger.com/retirement/long-term-care/long-term-care-insurance</link>
        <description><![CDATA[ All the latest long-term-care-insurance content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Mon, 09 Mar 2026 09:35:00 +0000</lastBuildDate>
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                                                            <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. ]]>
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                                                                        <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>
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                                                                                                <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">
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                                                            <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. ]]>
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                                                                        <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">
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                                                                                                                                                                                                                                    <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>
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                                                            <title><![CDATA[ I Tried a New AI Tool to Answer One of the Hardest Retirement Questions We All Face ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/i-tried-a-new-ai-tool-to-answer-one-of-the-hardest-retirement-questions-we-all-face</link>
                                                                            <description>
                            <![CDATA[ As a veteran financial journalist, I tried the free AI-powered platform, Waterlily. Here's how it provided fresh insights into my retirement plan — and might help you. ]]>
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                                                                        <pubDate>Thu, 06 Nov 2025 11:06:00 +0000</pubDate>                                                                                                                                <updated>Thu, 06 Nov 2025 15:59:17 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Adam Shell ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YLuiyCzJHENmfD4QrpsKTh-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man in his 50s or early 60s works on a laptop in his home office.]]></media:description>                                                            <media:text><![CDATA[A man in his 50s or early 60s works on a laptop in his home office.]]></media:text>
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                                                            <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. ]]>
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                                                                        <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>
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                                                                                                <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">
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                                                                                                                                                                                                                                    <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>
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                                                            <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. ]]>
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                                                                        <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>
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                                                    <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">
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                                                                                                                                                                                                                                    <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>
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                                                            <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. ]]>
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                                                                        <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">
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                                                                                                                                                                                                                                    <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>
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                                                            <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. ]]>
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                                                                        <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>
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                                                                                                <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">
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                                                                                                                                                                                                                                    <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>
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                                                            <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. ]]>
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                                                                        <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>
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                                                                                                                    <dc:creator><![CDATA[ Michael Aloi, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Hwb3EfmQccWooT9KUvA2vX-1280-80.jpg">
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                                                                                                                                                                                                                                    <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>
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                                                            <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. ]]>
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                                                                        <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>
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                                                                                                <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">
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                                                            <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. ]]>
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                                                                        <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>
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                                                    <category><![CDATA[Wealth Creation]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Nicole Farbo, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Q2r5UkTsGMrU8qPPYZmFSX-1280-80.jpg">
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                                                            <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. ]]>
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                                                                        <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>
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                                                    <category><![CDATA[Wealth Creation]]></category>
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                                                    <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">
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                                                            <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. ]]>
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                                                                        <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">
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                                                                                                                                                                                                                                    <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>
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                                                            <title><![CDATA[ Why Insurance Can Be a Financial Lifesaver ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/why-insurance-can-be-a-financial-lifesaver</link>
                                                                            <description>
                            <![CDATA[ Regularly reviewing the types and amounts of insurance coverage is essential for a comprehensive financial plan. ]]>
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                                                                        <pubDate>Fri, 07 Mar 2025 13:15:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                                                                                    <dc:creator><![CDATA[ Mario Hernandez ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/EVRr34HRdLWFBTJ7qABUVJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A toy red umbrella is over the heads of a toy wooden family.]]></media:description>                                                            <media:text><![CDATA[A toy red umbrella is over the heads of a toy wooden family.]]></media:text>
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                                                            <title><![CDATA[ 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. ]]>
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                                                                        <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">
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                                                                                                                                                                                                                                    <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>
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                                                            <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? ]]>
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                                                                        <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">
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                                                                                                                                                                                                                                    <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>
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                                                            <title><![CDATA[ How Long-Term Care Insurance Has Become More Flexible ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-long-term-care-insurance-has-become-more-flexible</link>
                                                                            <description>
                            <![CDATA[ Today's long-term care insurance offers retirees more appealing options, which can preserve assets and protect the financial stability of a healthier partner. ]]>
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                                                                        <pubDate>Tue, 17 Dec 2024 10:35:00 +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@miser-wp.com (Derek A. Miser, Investment Adviser) ]]></author>                    <dc:creator><![CDATA[ Derek A. Miser, Investment Adviser ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Tq8YXFUYgEaXuuttw5dhAJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older man in a wheelchair puts his hands in the air while a nurse pushes his chair in his apartment.]]></media:description>                                                            <media:text><![CDATA[An older man in a wheelchair puts his hands in the air while a nurse pushes his chair in his apartment.]]></media:text>
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                                                            <title><![CDATA[ Ways to Pay for Long-Term Care Expenses ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/ways-to-pay-for-long-term-care-expenses</link>
                                                                            <description>
                            <![CDATA[ The earlier you start planning, the more control you have over your future, empowering you to make informed decisions and feel more secure. ]]>
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                                                                        <pubDate>Mon, 09 Sep 2024 12:15:59 +0000</pubDate>                                                                                                                                <updated>Mon, 31 Mar 2025 14:24:06 +0000</updated>
                                                                                                                                            <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Mario Hernandez ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5N5huRCQuXdjRBTCWPAfiL-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A smiling young woman kneels beside a smiling older woman and holds her hands at a health care facility.]]></media:description>                                                            <media:text><![CDATA[A smiling young woman kneels beside a smiling older woman and holds her hands at a health care facility.]]></media:text>
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                                                            <title><![CDATA[ Three Ways to Prepare for Long-Term Care Expenses in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/ways-to-prepare-for-long-term-care-expenses-in-retirement</link>
                                                                            <description>
                            <![CDATA[ It's likely that most of us will need some kind of long-term care as we age, so it'd be a good idea to start planning for those expenses now. ]]>
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                                                                        <pubDate>Thu, 29 Aug 2024 09:40:55 +0000</pubDate>                                                                                                                                                                                                                                <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[Social Security]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></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/ix6xJoRDUcYpvpXUqUCC3N-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A group of assisted living residents smile and laugh over dinner while a caregiver stands nearby.]]></media:description>                                                            <media:text><![CDATA[A group of assisted living residents smile and laugh over dinner while a caregiver stands nearby.]]></media:text>
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                                                            <title><![CDATA[ Which Type of Long-Term Care Insurance Works for You? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/which-type-of-long-term-care-insurance-works-for-you</link>
                                                                            <description>
                            <![CDATA[ There are two types: Traditional policies are like good old vanilla ice cream. Hybrid policies are topped with interesting options. Both have pros and cons. ]]>
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                                                                        <pubDate>Wed, 21 Aug 2024 08:40:35 +0000</pubDate>                                                                                                                                                                                                                                <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@njretirementplanning.com (Joel V. Russo, LUTCF) ]]></author>                    <dc:creator><![CDATA[ Joel V. Russo, LUTCF ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/sw8uV9xSt2SL2k3qgcPWcV-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank and stethoscope.]]></media:description>                                                            <media:text><![CDATA[A piggy bank and stethoscope.]]></media:text>
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                                                            <title><![CDATA[ What’s the Best Age to Buy Long-Term Care Insurance? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/what-is-the-best-age-to-buy-long-term-care-insurance</link>
                                                                            <description>
                            <![CDATA[ Understandably, you don't want to pay for too long or pay too much, so here's what to consider when you're deciding when to buy long-term care insurance. ]]>
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                                                                        <pubDate>Fri, 09 Aug 2024 09:40:55 +0000</pubDate>                                                                                                                                <updated>Mon, 19 Aug 2024 14:16:03 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ EBeach@exit59advisory.com (Evan T. Beach, CFP®, AWMA®) ]]></author>                    <dc:creator><![CDATA[ Evan T. Beach, CFP®, AWMA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/95NmQKHz7NFGFGSvxEd4T8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[The words long-term care insurance on a white banner over the top of a stethoscope against a blue background.]]></media:description>                                                            <media:text><![CDATA[The words long-term care insurance on a white banner over the top of a stethoscope against a blue background.]]></media:text>
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                                                            <title><![CDATA[ How Women Can Win the Retirement Savings Struggle ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-women-can-win-the-retirement-savings-struggle</link>
                                                                            <description>
                            <![CDATA[ From caregiving demands to long life expectancies, retirement planning for women is tricky. Luckily, every challenge can be overcome with the right solution. ]]>
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                                                                        <pubDate>Thu, 01 Aug 2024 09:30:50 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kelsey M. Simasko, Esq. ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/jFr5VuenLDJwMn88Qxj5YL-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman smiles as she looks at her laptop while sitting at her kitchen table.]]></media:description>                                                            <media:text><![CDATA[A woman smiles as she looks at her laptop while sitting at her kitchen table.]]></media:text>
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                                                            <title><![CDATA[ This Trust Can Protect Your Assets From Long-Term Care Costs  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care-costs-medicaid-asset-protection-trust</link>
                                                                            <description>
                            <![CDATA[ A Medicaid asset protection trust can help ensure your protected assets go to your beneficiaries rather than your long-term care, but it has to be set up properly. ]]>
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                                                                        <pubDate>Thu, 11 Jul 2024 09:30:30 +0000</pubDate>                                                                                                                                <updated>Wed, 26 Feb 2025 19:15:44 +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[Estate Planning]]></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®, CKA®) ]]></author>                    <dc:creator><![CDATA[ Joe F. Schmitz Jr., CFP®, ChFC®, CKA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/4xzg474A7FPwcRmHSVGs94-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank under a tilted umbrella]]></media:description>                                                            <media:text><![CDATA[A piggy bank under a tilted umbrella]]></media:text>
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                                                            <title><![CDATA[ Should You Take the Survivor Option on Your Pension? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/survivor-option-on-pension-should-you-take-it</link>
                                                                            <description>
                            <![CDATA[ In some cases, you could buy life insurance instead and get a better deal in protecting your spouse. There are some things to keep in mind, though. ]]>
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                                                                        <pubDate>Fri, 17 May 2024 09:40:54 +0000</pubDate>                                                                                                                                <updated>Mon, 16 Mar 2026 14:43:47 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                                                                <author><![CDATA[ info@peakretirementplanning.com (Joe F. Schmitz Jr., CFP®, ChFC®, CKA®) ]]></author>                    <dc:creator><![CDATA[ Joe F. Schmitz Jr., CFP®, ChFC®, CKA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/g62LKPwwVqr7aFLfWBQBtH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older man looks at paperwork and talks on the phone at home.]]></media:description>                                                            <media:text><![CDATA[An older man looks at paperwork and talks on the phone at home.]]></media:text>
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                                                            <title><![CDATA[ How You Can Tackle Health Care Costs in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/managing-health-care-costs-in-retirement</link>
                                                                            <description>
                            <![CDATA[ Doctor visits and medications are only part of the challenge of health care costs — there’s also long-term care planning. Here’s what you can do. ]]>
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                                                                        <pubDate>Mon, 06 May 2024 09:40:25 +0000</pubDate>                                                                                                                                <updated>Tue, 07 May 2024 13:30:25 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Health Savings Accounts]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Annuities]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ info@njretirementplanning.com (Joel V. Russo, LUTCF) ]]></author>                    <dc:creator><![CDATA[ Joel V. Russo, LUTCF ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ZZAVZAdzR5RqCtXrGoZvLM-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A stethoscope and a piggy bank.]]></media:description>                                                            <media:text><![CDATA[A stethoscope and a piggy bank.]]></media:text>
                                <media:title type="plain"><![CDATA[A stethoscope and a piggy bank.]]></media:title>
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                                                            <title><![CDATA[ Six Essential Retirement Strategies for Baby Boomers ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/baby-boomers-retirement-strategies</link>
                                                                            <description>
                            <![CDATA[ Emergency funds, estate plans, different kinds of insurance and smart investing strategies are all parts of a strong retirement plan. ]]>
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                                                                        <pubDate>Sat, 04 May 2024 09:30:45 +0000</pubDate>                                                                                                                                <updated>Mon, 13 May 2024 15:29:02 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ justin@stiverswealth.com (Justin Stivers, Esq.) ]]></author>                    <dc:creator><![CDATA[ Justin Stivers, Esq. ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/MU8bQf4wGFaufVXjVg5gxH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A Baby Boomer couple laugh and smile at each other while standing on the deck of a boat.]]></media:description>                                                            <media:text><![CDATA[A Baby Boomer couple laugh and smile at each other while standing on the deck of a boat.]]></media:text>
                                <media:title type="plain"><![CDATA[A Baby Boomer couple laugh and smile at each other while standing on the deck of a boat.]]></media:title>
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                                                            <title><![CDATA[ Health Care Costs in Retirement: Budgeting for a Healthy Future ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-health-care-costs-budgeting-for-a-healthy-future</link>
                                                                            <description>
                            <![CDATA[ Many factors affect your health care costs as you age, including where you live, your Medicare selections and whether you have long-term care insurance. ]]>
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                                                                        <pubDate>Sun, 25 Feb 2024 10:30:26 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ brandon@beckettfinancialgroup.com (Brandon Hill) ]]></author>                    <dc:creator><![CDATA[ Brandon Hill ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/TZ9V3BiJ22FQNuniT8byUU-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A doctor with a clipboard sits and talks with an older woman in a hospital corridor.]]></media:description>                                                            <media:text><![CDATA[A doctor with a clipboard sits and talks with an older woman in a hospital corridor.]]></media:text>
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                                                            <title><![CDATA[ Six Key Factors to Consider When Shopping for Long-Term Care Insurance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/long-term-care-insurance-key-factors-to-consider</link>
                                                                            <description>
                            <![CDATA[ Decisions regarding your long-term health should always be considered carefully. ]]>
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                                                                        <pubDate>Wed, 10 Jan 2024 13:15:18 +0000</pubDate>                                                                                                                                <updated>Wed, 26 Mar 2025 16:57:41 +0000</updated>
                                                                                                                                            <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kiplinger Advisor Collective ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kHkUJW8k9cBqrUzerdivNn-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman and her elderly parents smile as they look at a laptop together.]]></media:description>                                                            <media:text><![CDATA[A woman and her elderly parents smile as they look at a laptop together.]]></media:text>
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                                                            <title><![CDATA[ Long-Term Care Insurance: 10 Things You Should Know ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care-insurance/things-you-should-know-about-long-term-care-insurance</link>
                                                                            <description>
                            <![CDATA[ A brief explainer on the most important things to know about long-term care insurance. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Fri, 24 Nov 2023 13:07:20 +0000</pubDate>                                                                                                                                <updated>Mon, 04 Aug 2025 18:42:10 +0000</updated>
                                                                                                                                            <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Happy Retirement]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care]]></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/hgZahrxPRctpx7Gi5UvzJY-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Items on a desk including glasses and a paper reading &quot;long-term care insurance.&quot;]]></media:description>                                                            <media:text><![CDATA[Items on a desk including glasses and a paper reading &quot;long-term care insurance.&quot;]]></media:text>
                                <media:title type="plain"><![CDATA[Items on a desk including glasses and a paper reading &quot;long-term care insurance.&quot;]]></media:title>
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                                                            <title><![CDATA[ Mental Health Care Coverage Is Coming For Medicare Recipients In 2024 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/medicare-to-broaden-access-to-mental-health-care-in-2024</link>
                                                                            <description>
                            <![CDATA[ Medicare is set to expand its coverage of mental health care services in 2024. Here's what you need to know. ]]>
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                                                                        <pubDate>Tue, 31 Oct 2023 19:21:18 +0000</pubDate>                                                                                                                                <updated>Wed, 27 Dec 2023 16:18:43 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Joey Solitro ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/n9rippvYPZYx2B9eBFjBEB-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Small clipboard on desk with paper that says Medicare. ]]></media:description>                                                            <media:text><![CDATA[Small clipboard on desk with paper that says Medicare. ]]></media:text>
                                <media:title type="plain"><![CDATA[Small clipboard on desk with paper that says Medicare. ]]></media:title>
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                                                            <title><![CDATA[ Long-Term Care Planning Protects You and Your Family ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care-planning-protects-you-and-your-family</link>
                                                                            <description>
                            <![CDATA[ More likely than not, you’ll need some form of long-term care in retirement. Figuring out now how to handle the costs would be like building a fence around your retirement home. ]]>
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                                                                        <pubDate>Fri, 27 Oct 2023 09:30:14 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Annuities]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Tim Schultz, NSSA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ziq6vrwWuVeQ5padkF5JzB-1280-80.jpg">
                                                            <media:credit><![CDATA[Preservation Retirement Services]]></media:credit>
                                                                                                                                                                        <media:description><![CDATA[Tim Schultz and Laura Schultz, right, in their office, where they provide their clients with info on long-term care planning and other retirement issues.]]></media:description>                                                            <media:text><![CDATA[A couple sit in the office of financial advisers to get advice.]]></media:text>
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                                                            <title><![CDATA[ Medicaid Managed Care Groups Under Congressional Investigation ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/health-insurance/medicaid-managed-care-groups-under-congressional-investigation</link>
                                                                            <description>
                            <![CDATA[ Lawmakers question Medicaid MCOs over their high rates of prior authorization denials. ]]>
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                                                                        <pubDate>Tue, 03 Oct 2023 17:14:41 +0000</pubDate>                                                                                                                                <updated>Tue, 03 Oct 2023 17:14:45 +0000</updated>
                                                                                                                                            <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                                                                                    <dc:creator><![CDATA[ Joey Solitro ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/HamgVmLKs5N2jW6x26ec4W-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[doctor in hospital]]></media:description>                                                            <media:text><![CDATA[doctor in hospital]]></media:text>
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                                                            <title><![CDATA[ No Long-Term Care Plan? Here’s What to Do About It ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/no-long-term-care-plan-heres-what-to-do</link>
                                                                            <description>
                            <![CDATA[ Small-business owner Jennifer found herself in a tough caregiving situation and doesn’t want to subject her family to that. What are her, and your, options? ]]>
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                                                                        <pubDate>Tue, 13 Jun 2023 09:30:19 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Estate 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>
                                                                                                                    <dc:creator><![CDATA[ Stephen B. Dunbar III, JD, CLU ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Ve6xvVmCzWPMwU8tX879pd-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A pair of younger hands grasp the hand of an elderly woman.]]></media:description>                                                            <media:text><![CDATA[A pair of younger hands grasp the hand of an elderly woman.]]></media:text>
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                                                            <title><![CDATA[ Three Ways Women Can Prepare for Longevity in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/longevity-in-retirement-ways-women-can-prepare</link>
                                                                            <description>
                            <![CDATA[ Living longer often leads to more financial challenges, but proper planning can help women enjoy a long, successful retirement. ]]>
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                                                                        <pubDate>Mon, 17 Apr 2023 09:40:08 +0000</pubDate>                                                                                                                                                                                                                                <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[ admin@longevity-financial.com (Bradley Rosen) ]]></author>                    <dc:creator><![CDATA[ Bradley Rosen ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/so75BG9EgPArrTfCnqdFTU-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman plays with a hula hoop with a group of other women.]]></media:description>                                                            <media:text><![CDATA[An older woman plays with a hula hoop with a group of other women.]]></media:text>
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                                                            <title><![CDATA[ How to Get Your Long-Term Care Planning on the Right Track ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/get-long-term-care-planning-on-track</link>
                                                                            <description>
                            <![CDATA[ Many of us are not as prepared as we should be, but it’s not too late. Taking these steps today can get you started on planning for your long-term care. ]]>
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                                                                        <pubDate>Thu, 30 Mar 2023 09:30:34 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Stephen B. Dunbar III, JD, CLU ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/JhnFfSp2wd3eTmteJmHsA8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple sits at their kitchen island with an open laptop making financial plans.]]></media:description>                                                            <media:text><![CDATA[An older couple sits at their kitchen island with an open laptop making financial plans.]]></media:text>
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                                                            <title><![CDATA[ Long-Term Care Planning vs. Taxes: Finding a Healthy Balance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care-planning-vs-tax-planning</link>
                                                                            <description>
                            <![CDATA[ Many families discover that trying to mitigate the cost of long-term care can conflict with another common retirement concern — reducing taxes for retirees and their heirs. ]]>
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                                                                        <pubDate>Mon, 20 Mar 2023 09:40:01 +0000</pubDate>                                                                                                                                <updated>Wed, 29 Mar 2023 19:32:20 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ jgraves@gandhfg.com (John M. Graves, Esq., IAR, Agent) ]]></author>                    <dc:creator><![CDATA[ John M. Graves, Esq., IAR, Agent ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kHkUJW8k9cBqrUzerdivNn-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman and her elderly parents smile as they look at a laptop together.]]></media:description>                                                            <media:text><![CDATA[A woman and her elderly parents smile as they look at a laptop together.]]></media:text>
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                                                            <title><![CDATA[ Long-Term Care Insurance Quandary: Keep Paying or Let It Go? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care-insurance-rising-premiums</link>
                                                                            <description>
                            <![CDATA[ As long-term care insurance premiums go up, many policyholders are struggling with what to do. Accept higher premiums, reduce benefits, let the policy lapse or take a payout? ]]>
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                                                                        <pubDate>Fri, 17 Mar 2023 09:30:36 +0000</pubDate>                                                                                                                                <updated>Wed, 29 Mar 2023 19:31:50 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Roxanne Alexander, CFP®, CAIA, AIF®, ADPA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/iZN3bft2VQsDbTAbDtZz3a-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older man sits in a chair in his living room with an open laptop on his lap.]]></media:description>                                                            <media:text><![CDATA[An older man sits in a chair in his living room with an open laptop on his lap.]]></media:text>
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                                                            <title><![CDATA[ What Long-Term Care Insurance Policyholders Need to Know ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/what-long-term-care-insurance-policyholders-need-to-know</link>
                                                                            <description>
                            <![CDATA[ Long-term care insurance can be confusing at times, so here are some insights about premium increases, when you can use your benefits and other issues. ]]>
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                                                                        <pubDate>Wed, 22 Feb 2023 10:40:31 +0000</pubDate>                                                                                                                                <updated>Thu, 02 Mar 2023 09:28:57 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Personal Finance]]></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/5N5huRCQuXdjRBTCWPAfiL-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A smiling young woman kneels beside a smiling older woman and holds her hands at a health care facility.]]></media:description>                                                            <media:text><![CDATA[A smiling young woman kneels beside a smiling older woman and holds her hands at a health care facility.]]></media:text>
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                                                            <title><![CDATA[ Four Options When – Not If – Your LTC Premiums Go Up ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/long-term-care-insurance/605024/four-options-when-not-if-your-ltc</link>
                                                                            <description>
                            <![CDATA[ If you’re dreading getting a letter in the mail about your long-term care insurance premiums rising, you’re in good company. And you have some decisions to make. ]]>
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                                                                        <pubDate>Thu, 04 Aug 2022 08:30:06 +0000</pubDate>                                                                                                                                <updated>Mon, 18 Sep 2023 19:48:13 +0000</updated>
                                                                                                                                            <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ EBeach@exit59advisory.com (Evan T. Beach, CFP®, AWMA®) ]]></author>                    <dc:creator><![CDATA[ Evan T. Beach, CFP®, AWMA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/afQCH5QiRPdxVMEgyQR4nd-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A smiling woman has a drawing of a lightbulb on a Post It Note stuck to her forehead.]]></media:description>                                                            <media:text><![CDATA[A smiling woman has a drawing of a lightbulb on a Post It Note stuck to her forehead.]]></media:text>
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                                                            <title><![CDATA[ Long-Term Care: Other Coverage You Might Explore ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/604773/long-term-care-other-coverage-you-might-explore</link>
                                                                            <description>
                            <![CDATA[ A third of applicants are rejected from buying long-term care insurance. Here are some smart alternatives. ]]>
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                                                                        <pubDate>Tue, 07 Jun 2022 13:20:46 +0000</pubDate>                                                                                                                                <updated>Wed, 12 Apr 2023 18:57:02 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                                                                                    <dc:creator><![CDATA[ Alina Tugend ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bzRaYCyFm7caUb5w73Ai96-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Elderly people in long-term care facilities and wheelchairs ]]></media:description>                                                            <media:text><![CDATA[Elderly people in long-term care facilities and wheelchairs ]]></media:text>
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                                                            <title><![CDATA[ Long-Term Care Insurance: Higher Premiums for Shrinking Benefits ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/604759/long-term-care-insurance-higher-premiums-for-shrinking-benefits</link>
                                                                            <description>
                            <![CDATA[ There's a 70% chance you'll need some type of long-term care. Getting the right insurance is more complex these days. Here's some guidance. ]]>
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                                                                        <pubDate>Thu, 02 Jun 2022 17:51:48 +0000</pubDate>                                                                                                                                <updated>Thu, 02 Mar 2023 09:24:11 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Alina Tugend ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/qj2zUTUbnnktBnFemqVmqb-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[man lying in bed with intravenous injection is looking through window and wearing face mask at hospital]]></media:description>                                                            <media:text><![CDATA[man lying in bed with intravenous injection is looking through window and wearing face mask at hospital]]></media:text>
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                                                            <title><![CDATA[ Short-Term Insurance Plans' Good, Bad and Ugly ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/604683/short-term-insurance-plans-good-bad-and-ugly</link>
                                                                            <description>
                            <![CDATA[ You'll need a clear-eyed analysis to gauge the value of short-term care insurance plans and if they're right for you. ]]>
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                                                                        <pubDate>Thu, 26 May 2022 18:05:52 +0000</pubDate>                                                                                                                                <updated>Tue, 27 Aug 2024 17:37:06 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (David Rodeck) ]]></author>                    <dc:creator><![CDATA[ David Rodeck ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/NFm3pfMneM5g8b9yURFKJa-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A picture of a piggy bank next to a calculator with a stethoscope. ]]></media:description>                                                            <media:text><![CDATA[A picture of a piggy bank next to a calculator with a stethoscope. ]]></media:text>
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                                                            <title><![CDATA[ Retirees, This Is What It Takes to Be Your Own Insurer ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/604527/retirees-this-is-what-it-takes-to-be-your-own-insurer</link>
                                                                            <description>
                            <![CDATA[ The costs of long-term care are already exorbitant and will only get worse. Follow this guidance to get in front of the issue. ]]>
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                                                                        <pubDate>Tue, 12 Apr 2022 15:31:59 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jackie Stewart ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rhu9AH9zgoUMgAuShApMFB-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Empty hospital room]]></media:description>                                                            <media:text><![CDATA[Empty hospital room]]></media:text>
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                                                            <title><![CDATA[ 2021 Tax Returns: What's New on the 1040 Form This Year ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-filing/604100/2021-tax-returns-what-is-new-on-1040-form</link>
                                                                            <description>
                            <![CDATA[ If you're a last-minute filer, familiarize yourself with potential changes for your 2021 tax return before tackling your 1040. ]]>
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                                                                        <pubDate>Fri, 21 Jan 2022 11:00:05 +0000</pubDate>                                                                                                                                <updated>Mon, 25 Sep 2023 13:53:53 +0000</updated>
                                                                                                                                            <category><![CDATA[Tax Filing]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Income Tax]]></category>
                                                    <category><![CDATA[Tax Deductions]]></category>
                                                    <category><![CDATA[tax returns]]></category>
                                                    <category><![CDATA[Unemployment]]></category>
                                                    <category><![CDATA[Form 1040]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Tax Deadline]]></category>
                                                    <category><![CDATA[student debt]]></category>
                                                    <category><![CDATA[tax brackets]]></category>
                                                    <category><![CDATA[Capital Gains Tax]]></category>
                                                    <category><![CDATA[Tax Exemptions]]></category>
                                                    <category><![CDATA[tax forms]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rocky Mengle ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/285sr7iY5FcNx8K3S2JeUd-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[picture of a 2021 Form 1040]]></media:description>                                                            <media:text><![CDATA[picture of a 2021 Form 1040]]></media:text>
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                                                            <title><![CDATA[ How to Handle an Increase in Your Long-Term Care Premiums ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/long-term-care-insurance/603986/how-to-handle-an-increase-in-your-long</link>
                                                                            <description>
                            <![CDATA[ The cost of long-term care insurance keeps rising, and if your premiums are becoming unaffordable you should know that you have options. Here are five ways to help handle a premium increase. ]]>
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                                                                        <pubDate>Mon, 27 Dec 2021 09:30:06 +0000</pubDate>                                                                                                                                <updated>Thu, 02 Mar 2023 09:27:40 +0000</updated>
                                                                                                                                            <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Marguerita M. Cheng, CFP® &amp; RICP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5VMaYqLsKRjCXfKmFNNPTR-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man looks out a window with a concerned look on his face.]]></media:description>                                                            <media:text><![CDATA[A man looks out a window with a concerned look on his face.]]></media:text>
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                                                            <title><![CDATA[ Important Planning Considerations: Insurance & Long-Term Care ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/long-term-care-insurance/603793/important-planning-considerations</link>
                                                                            <description>
                            <![CDATA[ Your retirement plan isn’t complete until you’ve looked into getting the insurance you need, including life insurance, disability insurance and a plan for long-term care. ]]>
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                                                                        <pubDate>Fri, 19 Nov 2021 09:30:06 +0000</pubDate>                                                                                                                                <updated>Thu, 02 Mar 2023 09:26:55 +0000</updated>
                                                                                                                                            <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Martin Schamis, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/CHv3e7cq9tdbBZUVSQvW4J-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[File folders with one labeled insurance.]]></media:description>                                                            <media:text><![CDATA[File folders with one labeled insurance.]]></media:text>
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                                                            <title><![CDATA[ Plan Now for Long-Term Care ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/603187/plan-now-for-long-term-care</link>
                                                                            <description>
                            <![CDATA[ You could buy insurance to finance future costs, but policies are pricey. Here’s how to decide whether you need coverage. ]]>
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                                                                        <pubDate>Wed, 28 Jul 2021 15:21:42 +0000</pubDate>                                                                                                                                <updated>Wed, 28 Jul 2021 16:06:42 +0000</updated>
                                                                                                                                            <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Long-term Care Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rivan V. Stinson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/R7xg2RuFQZy5PWwwFVoeab-1280-80.jpg">
                                                            <media:credit><![CDATA[Illustration by Joe Anderson]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[illustration of a man looking through a window at his future self as an older man]]></media:description>                                                            <media:text><![CDATA[illustration of a man looking through a window at his future self as an older man]]></media:text>
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                                                            <title><![CDATA[ A Woman’s Guide to Long-Term Care ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/603098/a-womans-guide-to-long-term-care</link>
                                                                            <description>
                            <![CDATA[ Who needs long-term care insurance …  and who might be able to do without it? ]]>
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                                                                        <pubDate>Fri, 09 Jul 2021 19:40:43 +0000</pubDate>                                                                                                                                <updated>Sun, 11 Jul 2021 08:30:00 +0000</updated>
                                                                                                                                            <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Wealth Creation]]></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/axusKQMvCkqofuakQqSMhB-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A woman does yoga]]></media:description>                                                            <media:text><![CDATA[A woman does yoga]]></media:text>
                                <media:title type="plain"><![CDATA[A woman does yoga]]></media:title>
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                                                            <title><![CDATA[ Long-Term Care Insurance: To Buy or Not to Buy? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/long-term-care-insurance/602842/long-term-care-insurance-to-buy-or-not-to</link>
                                                                            <description>
                            <![CDATA[ Should you buy long-term care insurance or save up to self-insure? There are many trade-offs to consider. And, surprise: It doesn’t have to be one or the other. ]]>
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                                                                        <pubDate>Sun, 23 May 2021 00:50:02 +0000</pubDate>                                                                                                                                <updated>Tue, 16 Apr 2024 22:32:34 +0000</updated>
                                                                                                                                            <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Roxanne Alexander, CFP®, CAIA, AIF®, ADPA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/d3PvddCxMPBbRWKjAVsWiU-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple looks thoughtful while sitting at a table together and looking at a tablet.]]></media:description>                                                            <media:text><![CDATA[An older couple looks thoughtful while sitting at a table together and looking at a tablet.]]></media:text>
                                <media:title type="plain"><![CDATA[An older couple looks thoughtful while sitting at a table together and looking at a tablet.]]></media:title>
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                                                            <title><![CDATA[ You Can Keep Some Assets While Qualifying for Medicaid. Here's How ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/health-insurance/602819/you-can-keep-some-assets-while-qualifying-for-medicaid</link>
                                                                            <description>
                            <![CDATA[ There are some tools you can use to avoid spending down all of your assets, and potentially impoverishing a spouse, while still meeting the qualifications for Medicaid. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Wed, 19 May 2021 15:09:18 +0000</pubDate>                                                                                                                                <updated>Mon, 24 May 2021 12:35:00 +0000</updated>
                                                                                                                                            <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></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/SoGjBq6xVc36e9VBNkpDFQ-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A nurse sitting with a patient in a nursing home. ]]></media:description>                                                            <media:text><![CDATA[A nurse sitting with a patient in a nursing home. ]]></media:text>
                                <media:title type="plain"><![CDATA[A nurse sitting with a patient in a nursing home. ]]></media:title>
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                                                            <title><![CDATA[ The Odds Say Long-Term Care May Be  in Your Future: Are You Prepared? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/long-term-care/long-term-care-insurance/602765/the-odds-say-long-term-care-may-be-in</link>
                                                                            <description>
                            <![CDATA[ There are options other than long-term care insurance, so it’s a good idea to examine your options sooner rather than later. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Mon, 10 May 2021 01:11:26 +0000</pubDate>                                                                                                                                <updated>Tue, 11 May 2021 08:30:00 +0000</updated>
                                                                                                                                            <category><![CDATA[Long-term Care Insurance]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Gary Crawford, Investment Adviser Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/pvSESyy7Kuarwsf7eujctK-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A woman reads a book in her nursing home room.]]></media:description>                                                            <media:text><![CDATA[A woman reads a book in her nursing home room.]]></media:text>
                                <media:title type="plain"><![CDATA[A woman reads a book in her nursing home room.]]></media:title>
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