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                    <title><![CDATA[ Latest from Kiplinger in Medicare ]]></title>
                <link>https://www.kiplinger.com/retirement/medicare</link>
        <description><![CDATA[ All the latest medicare content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Wed, 08 Apr 2026 10:05:00 +0000</lastBuildDate>
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                                                            <title><![CDATA[ We're 59 and Retired With $5.3 Million. We Want to Spend $250,000 a Year Until Medicare and Social Security Start. Are We Nuts? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/were-59-and-retired-with-usd5-3-million-we-want-to-spend-usd250-000-a-year-until-medicare-and-social-security-start</link>
                                                                            <description>
                            <![CDATA[ We are retired and want to spend $250,000 a year, but once Medicare and Social Security start, we'll need less. Are we nuts? ]]>
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                                                                        <pubDate>Wed, 08 Apr 2026 10:05:00 +0000</pubDate>                                                                                                                                <updated>Wed, 08 Apr 2026 21:58:10 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/w7uatXfZPi3fX3xANazLrK-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[St Mark&#039;s Basilica, St Mark&#039;s Square, Venice, Italy.]]></media:description>                                                            <media:text><![CDATA[St Mark&#039;s Basilica, St Mark&#039;s Square, Venice, Italy.]]></media:text>
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                                                            <title><![CDATA[ The IRMAA Income Trap Quiz: What Really Counts? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/the-irmaa-income-trap-quiz-what-really-counts</link>
                                                                            <description>
                            <![CDATA[ From municipal bonds to Roth conversions — take our quiz to find out if you know which income streams push you into higher Medicare brackets. ]]>
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                                                                        <pubDate>Tue, 31 Mar 2026 20:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/KdnDhuH9XxU8sF33snzwVm-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Conceptual image of medication being expensive - pill bottle and money ]]></media:description>                                                            <media:text><![CDATA[Conceptual image of medication being expensive - pill bottle and money ]]></media:text>
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                                                            <title><![CDATA[ Why Your Medicare Premiums Are $200 Higher Than They Should Be ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/why-your-medicare-premiums-are-higher-than-they-should-be</link>
                                                                            <description>
                            <![CDATA[ Here's how overpayments to Medicare Advantage plans are driving up Part B costs for every Medicare beneficiary. ]]>
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                                                                        <pubDate>Mon, 30 Mar 2026 20:35:28 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5nwkeQGHNA4QeVwdQ6UWBb-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Green stethoscope forming a dollar sign with the tube]]></media:description>                                                            <media:text><![CDATA[Green stethoscope forming a dollar sign with the tube]]></media:text>
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                                                            <title><![CDATA[ Regret Your Move to Medicare Advantage? Two 'Safety Nets' Can Help: But Act Fast ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/regret-your-move-to-medicare-advantage-two-safety-nets-can-bring-you-back</link>
                                                                            <description>
                            <![CDATA[ Discover the federal protections (one expires on April 1) and state-level hurdles you’ll face when switching from Medicare Advantage back to original Medicare. ]]>
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                                                                        <pubDate>Tue, 24 Mar 2026 10:05:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/oVGqAohw3EDPev6sxMUstC-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Sad and depressed senior couple discusses their finances while looking at a laptop. They check bank statements and utility bills, focusing on problems, managing their savings.]]></media:description>                                                            <media:text><![CDATA[Sad and depressed senior couple discusses their finances while looking at a laptop. They check bank statements and utility bills, focusing on problems, managing their savings.]]></media:text>
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                                                            <title><![CDATA[ We're Retired With $4.6 Million. My Wife Chose Our Medicare Advantage Plan for the $0 Premium, But I Want Original Medicare’s Freedom. Is It Too Late? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/were-retired-with-usd4-6-million-my-wife-chose-our-medicare-advantage-plan-for-the-usd0-premium-but-i-want-original-medicares-freedom-is-it-too-late</link>
                                                                            <description>
                            <![CDATA[ We retired with $4.6 million. Even so, our Medicare Advantage plan limits coverage when we travel or want to see a specialist. How can I convince my wife to switch? ]]>
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                                                                        <pubDate>Tue, 17 Mar 2026 10:05:00 +0000</pubDate>                                                                                                                                <updated>Tue, 17 Mar 2026 19:32:21 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Ltxu8B9w58HbcHGPRf8crm-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple sits in front of a laptop surrounded by documents, visibly pressured as they attempt to organize their finances or retirement planning.]]></media:description>                                                            <media:text><![CDATA[An older couple sits in front of a laptop surrounded by documents, visibly pressured as they attempt to organize their finances or retirement planning.]]></media:text>
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                                                            <title><![CDATA[ Ask the Editor, March 13: Questions on Medicare Premiums and IRMAA ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/ask-the-editor-march-13-questions-on-medicare-premiums-and-irmaa</link>
                                                                            <description>
                            <![CDATA[ In this week's Ask the Editor Q&A, Joy Taylor answers questions on monthly Medicare premiums, IRAA and tax-deductible medical expenses. ]]>
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                                                                        <pubDate>Fri, 13 Mar 2026 10:15:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Deductions]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/vy5GhPCNMTwfCUshme4R3T-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Ask the Editor]]></media:description>                                                            <media:text><![CDATA[Ask the Editor]]></media:text>
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                                                            <title><![CDATA[ Quiz: Do You Know Essential Estate Planning Terms? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/quiz-do-you-know-essential-estate-planning-terms</link>
                                                                            <description>
                            <![CDATA[ Take this quick quiz to test your knowledge of the essential legal and financial vocabulary required to protect your assets and your family. ]]>
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                                                                        <pubDate>Tue, 10 Mar 2026 15:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/w6am8gA2pCbAZzM6jrD3F4-1280-80.png">
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                                                            <title><![CDATA[ Feeling Frustrated With Your Medicare Advantage Plan? You’re Not Alone — Member Trust Is Falling ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/medicare-advantage-survey</link>
                                                                            <description>
                            <![CDATA[ Medicare Advantage plans scored lower in overall satisfaction among members in 2025. Eroding trust and policy confusion drove the drop in customer satisfaction. ]]>
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                                                                        <pubDate>Sat, 07 Mar 2026 02:43:39 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/c5AvHjEcoLWj6t8M5mjV7d-1280-80.jpg">
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                                                            <title><![CDATA[ We're 64 With $4.3 Million. I Want to Retire Now and Pay for Health Insurance Until We Get Medicare. My Wife Says We Should Work. Who's Right? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/were-64-with-usd4-3-million-i-want-to-retire-now-and-pay-for-health-insurance-until-we-get-medicare-my-wife-says-we-should-work-whos-right</link>
                                                                            <description>
                            <![CDATA[ I want to retire now and pay for health insurance until we get Medicare. My wife says we should work 10 more months. Who's right? ]]>
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                                                                        <pubDate>Sun, 01 Mar 2026 11:05:00 +0000</pubDate>                                                                                                                                <updated>Mon, 02 Mar 2026 20:09:28 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/G9YzGVWQUaQQv7EZGgpvH9-1280-80.jpg">
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                                                            <title><![CDATA[ How Medicare Advantage Costs Taxpayers — and Retirees ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/how-medicare-advantage-costs-taxpayers-and-retirees</link>
                                                                            <description>
                            <![CDATA[ With private insurers set to receive $1.2 trillion in excess payments by 2036, retirees may soon face a reckoning over costs and coverage. ]]>
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                                                                        <pubDate>Thu, 26 Feb 2026 20:11:18 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ elaine.silvestrini@futurenet.com (Elaine Silvestrini) ]]></author>                    <dc:creator><![CDATA[ Elaine Silvestrini ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/964EDTUwY9LobtzRGLYowd-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Vector illustration of a doctor visiting a patient with a rising bar graph made of money stacks in the background, symbolizing the rising cost of healthcare. KRR387.ITAO.doctorGetty2177455412 ]]></media:description>                                                            <media:text><![CDATA[Vector illustration of a doctor visiting a patient with a rising bar graph made of money stacks in the background, symbolizing the rising cost of healthcare. KRR387.ITAO.doctorGetty2177455412 ]]></media:text>
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                                                            <title><![CDATA[ How One Extra Dollar of Income Can Cost You Thousands in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/one-extra-dollar-of-income-can-cost-you-thousands-in-retirement</link>
                                                                            <description>
                            <![CDATA[ Even modest changes in retirement income can raise Medicare premiums under IRMAA. Here’s how a small increase can affect your retirement costs. ]]>
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                                                                        <pubDate>Sun, 22 Feb 2026 15:07:00 +0000</pubDate>                                                                                                                                <updated>Tue, 24 Feb 2026 16:39:46 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Chrissy Paradis ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ih6JPh5tvEzgyVZiEoEF43-1280-80.jpg">
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                                                            <title><![CDATA[ My Wife Wants Us To Retire at 65 To Get Medicare, but I Want To Retire Now at 62 so We Can Start Enjoying Life. Who Is Right? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/my-wife-wants-us-to-retire-at-65-to-get-medicare-but-i-want-to-retire-now-at-62-so-we-can-start-enjoying-life-who-is-right</link>
                                                                            <description>
                            <![CDATA[ I'm 62 and want to retire, travel and have fun, but my wife says we should get Medicare first. We ask wealth advisers for help. ]]>
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                                                                        <pubDate>Fri, 13 Feb 2026 11:05:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Happy Retirement]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author>                    <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/fVfbsa4Yxs4Lc8qGwRc8s4-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Mature multi-Ethnic couple drinking coffee, bonding and relaxing at home. They are talking and enjoying a peaceful day.]]></media:description>                                                            <media:text><![CDATA[Mature multi-Ethnic couple drinking coffee, bonding and relaxing at home. They are talking and enjoying a peaceful day.]]></media:text>
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                                                            <title><![CDATA[ 4 Pro Tips for Successfully Scaling the Medicare Mountain  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/pro-tips-for-scaling-the-medicare-mountain</link>
                                                                            <description>
                            <![CDATA[ Attempting to conquer Medicare without a plan is risky. The safest route requires a thorough understanding of your options and never leaves decisions to chance. ]]>
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                                                                        <pubDate>Fri, 13 Feb 2026 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                                    <dc:creator><![CDATA[ Cathy DeWitt Dunn, CDFA®, FRC® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/omqEk6VLswxSzzZnnmSM9N-1280-80.jpg">
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                                                            <title><![CDATA[ How to Avoid Medicare Late Enrollment Penalties Forever ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/avoid-medicare-late-enrollment-penalties-forever</link>
                                                                            <description>
                            <![CDATA[ Whether you're still working or plan to retire this year, understanding the 2026 late penalties for Parts A, B and D is essential for your financial health. ]]>
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                                                                        <pubDate>Fri, 30 Jan 2026 15:00:00 +0000</pubDate>                                                                                                                                <updated>Mon, 02 Feb 2026 19:41:39 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/qbJXJMua2AvALpzEMkZrT9-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A miniature, super businessman saves someone from slipping on a banana peel.]]></media:description>                                                            <media:text><![CDATA[A miniature, super businessman saves someone from slipping on a banana peel.]]></media:text>
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                                                            <title><![CDATA[ The 'Take That, Uncle Sam' Rule of Retirement Spending ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/the-take-that-uncle-sam-rule-of-retirement-spending</link>
                                                                            <description>
                            <![CDATA[ Here's how to reduce your tax bill when you withdraw money in retirement. ]]>
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                                                                        <pubDate>Fri, 30 Jan 2026 11:05:00 +0000</pubDate>                                                                                                                                <updated>Fri, 06 Feb 2026 20:48:27 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author>                    <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/gXHe64ucAEghEzSdoa8jUa-1280-80.jpg">
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                                                            <title><![CDATA[ Turning 65 in 2026? Here Is Exactly How to Sign Up for Medicare ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/turning-65-in-2026-how-to-sign-up-for-medicare</link>
                                                                            <description>
                            <![CDATA[ Don't miss the critical window for Medicare enrollment. This guide explains how to secure coverage and avoid costly mistakes. ]]>
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                                                                        <pubDate>Thu, 15 Jan 2026 15:00:00 +0000</pubDate>                                                                                                                                <updated>Mon, 06 Apr 2026 20:01:59 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/SnNkgzcCUXqwcSs6H9oREE-1280-80.jpg">
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                                                            <title><![CDATA[ I'm a Wealth Adviser: These 10 Strategies Can Help Women Prepare for Their Impending Financial Power ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/strategies-to-help-women-prepare-for-financial-power</link>
                                                                            <description>
                            <![CDATA[ As women gain wealth and influence, being proactive about financial planning is essential to address longevity and close gaps in confidence and caregiving. ]]>
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                                                                        <pubDate>Mon, 29 Dec 2025 10:30:00 +0000</pubDate>                                                                                                                                <updated>Wed, 07 Jan 2026 17:58:36 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ camille@monolithfinancial.com (Camille Butterfield) ]]></author>                    <dc:creator><![CDATA[ Camille Butterfield ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/vc2fuMW9XUdX7r5BDpyb74-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Three older women smile and embrace outside in a tropical setting.]]></media:description>                                                            <media:text><![CDATA[Three older women smile and embrace outside in a tropical setting.]]></media:text>
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                                                            <title><![CDATA[ I'm a Financial Planning Pro: This Is How You Can Stop These 5 Risks From Wrecking Your Retirement  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/stop-these-risks-from-wrecking-your-retirement</link>
                                                                            <description>
                            <![CDATA[ Your retirement could be jeopardized if you ignore the risks you'll face later in life. From inflation to market volatility, here's what to prepare for. ]]>
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                                                                        <pubDate>Sun, 28 Dec 2025 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ matt@wealthshieldfinancial.com (Matthew Lang) ]]></author>                    <dc:creator><![CDATA[ Matthew Lang ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/XAkcUTCZEnczvYYVDTZPnG-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A wrecking ball breaks through a brick wall from behind.]]></media:description>                                                            <media:text><![CDATA[A wrecking ball breaks through a brick wall from behind.]]></media:text>
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                                                            <title><![CDATA[ Your Year-End Wellness Checklist for a Healthier 2026 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/year-end-wellness-checklist-for-a-healthier-2026</link>
                                                                            <description>
                            <![CDATA[ Skip the fleeting resolutions and start the new year with a proactive plan to optimize your longevity, cognitive health and social vitality. ]]>
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                                                                        <pubDate>Fri, 26 Dec 2025 15:00:00 +0000</pubDate>                                                                                                                                <updated>Mon, 29 Dec 2025 21:44:53 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Happy Retirement]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/F4fxXnM86WHd2y664Vp4z3-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Male and female friends stretching against tree during sunset - stock photo]]></media:description>                                                            <media:text><![CDATA[Male and female friends stretching against tree during sunset - stock photo]]></media:text>
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                                                            <title><![CDATA[ A Financial Pro Breaks Retirement Planning Into 5 Manageable Pieces ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/retirement-planning-broken-into-manageable-pieces</link>
                                                                            <description>
                            <![CDATA[ This retirement plan focuses on five key areas — income generation, tax management, asset withdrawals, planning for big expenses and health care, and legacy. ]]>
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                                                                        <pubDate>Sat, 20 Dec 2025 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ info@meritadvisorsllc.com (J. Burke &quot;J.B.&quot; Howard) ]]></author>                    <dc:creator><![CDATA[ J. Burke &quot;J.B.&quot; Howard ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bpriT6hgdt5tt2twdyyW9o-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Five pieces of a puzzle arranged around a bigger piece in the center.]]></media:description>                                                            <media:text><![CDATA[Five pieces of a puzzle arranged around a bigger piece in the center.]]></media:text>
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                                                            <title><![CDATA[ The 7-Month Deadline That Determines Your Lifetime Medicare Premiums ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/the-7-month-deadline-that-determines-your-lifetime-medicare-premiums</link>
                                                                            <description>
                            <![CDATA[ Understanding Medicare enrollment is crucial, as missing deadlines can lead to permanent late enrollment penalties and gaps in coverage. ]]>
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                                                                        <pubDate>Wed, 17 Dec 2025 11:05:00 +0000</pubDate>                                                                                                                                <updated>Tue, 27 Jan 2026 17:36:58 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/mwYEtDy7gf2NJipQS2PGZJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Birthday cake number 65 golden candles burning by lighter, background gift yellow box tied up with red ribbon. Close-up view]]></media:description>                                                            <media:text><![CDATA[Birthday cake number 65 golden candles burning by lighter, background gift yellow box tied up with red ribbon. Close-up view]]></media:text>
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                                                            <title><![CDATA[ 7 Ways to Plan Now to Save on Medicare IRMAA Surcharges Later ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/ways-to-plan-now-to-save-on-medicare-irmaa-surcharges-later</link>
                                                                            <description>
                            <![CDATA[ Understand the critical 2-year lookback period and why aggressive planning before you enroll in Medicare is the most effective way to minimize IRMAA. ]]>
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                                                                        <pubDate>Tue, 16 Dec 2025 15:24:42 +0000</pubDate>                                                                                                                                <updated>Mon, 22 Dec 2025 17:32:44 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/wKip5A73MX3aDZnwpgaAc-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Healthcare costs, conceptual image]]></media:description>                                                            <media:text><![CDATA[Healthcare costs, conceptual image]]></media:text>
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                                                            <title><![CDATA[ Don't Get Caught by the Medicare Tax Torpedo: A Retirement Expert's Tips to Steer Clear ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/how-to-steer-clear-of-the-medicare-tax-torpedo</link>
                                                                            <description>
                            <![CDATA[ Better beware, because if you go even $1 over an important income threshold, your Medicare premiums could rise exponentially due to IRMAA surcharges. ]]>
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                                                                        <pubDate>Fri, 12 Dec 2025 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ hello@convergencewp.com (John J. Gardner, IAR) ]]></author>                    <dc:creator><![CDATA[ John J. Gardner, IAR ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/7sT6u7A6wFRLpU9jfKF3j4-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older man looks surprised and confused as he looks at paperwork and his laptop while sitting on his living room sofa.]]></media:description>                                                            <media:text><![CDATA[An older man looks surprised and confused as he looks at paperwork and his laptop while sitting on his living room sofa.]]></media:text>
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                                                            <title><![CDATA[ Original Medicare vs Medicare Advantage Quiz: Which is Right for You? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/original-medicare-vs-medicare-advantage-quiz-which-is-right-for-you</link>
                                                                            <description>
                            <![CDATA[ Take this quick quiz to discover your "Medicare Personality Type" and learn whether you are a Traditionalist, or a Bundler. ]]>
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                                                                        <pubDate>Fri, 05 Dec 2025 13:15:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/w6am8gA2pCbAZzM6jrD3F4-1280-80.png">
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                                                            <title><![CDATA[ 15 Costly Drugs Will Get Medicare Price Cuts in 2027: Will You Save? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/costly-drugs-will-get-medicare-price-cuts-in-2027</link>
                                                                            <description>
                            <![CDATA[ The Centers for Medicare & Medicaid Services extended a safety net to older Americans by announcing significant price reductions on 15 high-cost prescription drugs, effective in 2027. ]]>
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                                                                        <pubDate>Wed, 03 Dec 2025 21:42:13 +0000</pubDate>                                                                                                                                <updated>Thu, 04 Dec 2025 18:32:55 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ upnorthwriter@icloud.com (Kathryn Pomroy) ]]></author>                    <dc:creator><![CDATA[ Kathryn Pomroy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/nJAvkMVP6cJ8wA8QE88gxB-1280-80.jpg">
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                                                            <title><![CDATA[ What You Will Pay for Medicare in 2026 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/what-you-will-pay-for-medicare-in-2026</link>
                                                                            <description>
                            <![CDATA[ Medicare premiums for 2026, as well as the costs of Parts A, B, and D, have increased. Here's how much you'll pay in 2026. ]]>
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                                                                        <pubDate>Mon, 17 Nov 2025 14:15:00 +0000</pubDate>                                                                                                                                <updated>Thu, 09 Apr 2026 22:53:40 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YfedsHzdQpax7wGwCYRNjR-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A stethoscope is wrapped arounf a gold dollar symbol and a Medicare card.]]></media:description>                                                            <media:text><![CDATA[A stethoscope is wrapped arounf a gold dollar symbol and a Medicare card.]]></media:text>
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                                                            <title><![CDATA[ I'm an Investment Adviser: This Is the Retirement Phase Nobody Talks About ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/the-retirement-phase-nobody-talks-about</link>
                                                                            <description>
                            <![CDATA[ What you do in the five years before retirement and the first 10 afterward can establish how comfortable you'll be for the rest of your life. ]]>
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                                                                        <pubDate>Sun, 16 Nov 2025 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ kyle@mokanwealth.com (Kyle Hammerschmidt, Investment Adviser) ]]></author>                    <dc:creator><![CDATA[ Kyle Hammerschmidt, Investment Adviser ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ZN2bwyj9GPqBSDiib3Re3k-1280-80.jpg">
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                                                            <title><![CDATA[ Medicare Premiums 2026: IRMAA Brackets and Surcharges for Parts B and D ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/medicare-premiums-2026-irmaa-brackets-and-surcharges-for-parts-b-and-d</link>
                                                                            <description>
                            <![CDATA[ Do you have to pay the monthly Medicare premium surcharge this year? It depends. ]]>
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                                                                        <pubDate>Sat, 15 Nov 2025 19:09:14 +0000</pubDate>                                                                                                                                <updated>Thu, 05 Mar 2026 23:49:19 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/2RvYwknrjUS9omnZiLchVR-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A prescription pill or capsule filled with one hundred dollar bills concept image on a white background with clipping path.]]></media:description>                                                            <media:text><![CDATA[A prescription pill or capsule filled with one hundred dollar bills concept image on a white background with clipping path.]]></media:text>
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                                                            <title><![CDATA[ Medicare to Cover Obesity Drugs Under Trump Deal for as Little as $50. What You Need to Know ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/medicare-to-cover-obesity-drugs-under-trump-deal</link>
                                                                            <description>
                            <![CDATA[ Trump's deal slashes GLP-1 drug costs for Medicare beneficiaries and others, unlocking coverage for millions with obesity and related conditions. ]]>
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                                                                        <pubDate>Fri, 14 Nov 2025 11:05:00 +0000</pubDate>                                                                                                                                <updated>Mon, 17 Nov 2025 16:46:16 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ upnorthwriter@icloud.com (Kathryn Pomroy) ]]></author>                    <dc:creator><![CDATA[ Kathryn Pomroy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/wjotwQ2AVsTp5JKVc4RVnM-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[GLP-1 agonists drugs]]></media:description>                                                            <media:text><![CDATA[GLP-1 agonists drugs]]></media:text>
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                                                            <title><![CDATA[ Cash In on Your Medicare Advantage Flex Card Perks Before They Disappear ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/cash-in-on-your-medicare-advantage-flex-card-perks</link>
                                                                            <description>
                            <![CDATA[ With the 2025 rapidly coming to a close, here's how Flex Cards work and a guide on the best items to stock up on before December 31. ]]>
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                                                                        <pubDate>Thu, 13 Nov 2025 11:15:00 +0000</pubDate>                                                                                                                                <updated>Tue, 18 Nov 2025 20:04:08 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/4JLxmMuWRgajkUJTFJ3UNS-1280-80.jpg">
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                                                            <title><![CDATA[ Dental Cost Advice for New Retirees, From a New Retiree ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/dental-cost-advice-for-new-retirees-from-a-new-retiree</link>
                                                                            <description>
                            <![CDATA[ What I faced in my first dental bill after retiring. ]]>
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                                                                        <pubDate>Tue, 11 Nov 2025 11:02:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Health Savings Accounts]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Sandra Block) ]]></author>                    <dc:creator><![CDATA[ Sandra Block ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/nQqDBMN6KCrrbewSDPsEsV-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Dental Service, Insurance and dentist bill cost. The concept of saving money for dental treatment. Dollar money bills and tooth model on a bluebackgound with copy space]]></media:description>                                                            <media:text><![CDATA[Dental Service, Insurance and dentist bill cost. The concept of saving money for dental treatment. Dollar money bills and tooth model on a bluebackgound with copy space]]></media:text>
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                                                            <title><![CDATA[ Medigap vs Medicare Open Enrollment: What's the Difference? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/medigap-vs-medicare-open-enrollment-whats-the-difference</link>
                                                                            <description>
                            <![CDATA[ Nearly 10,000 people in America turn 65 every day. Why is that significant? It signals Medicare eligibility and shines a light on Medicare supplement insurance, known as Medigap. ]]>
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                                                                        <pubDate>Fri, 07 Nov 2025 11:15:00 +0000</pubDate>                                                                                                                                <updated>Tue, 11 Nov 2025 21:02:36 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ upnorthwriter@icloud.com (Kathryn Pomroy) ]]></author>                    <dc:creator><![CDATA[ Kathryn Pomroy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/e86rzX3UZ48evQQfWwaMLC-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Medigap written on a paper. Medical concept.]]></media:description>                                                            <media:text><![CDATA[Medigap written on a paper. Medical concept.]]></media:text>
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                                                            <title><![CDATA[ CMS Brings Back Furloughed Staff for Medicare Open Enrollment Lifeline ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/cms-brings-back-furloughed-staff-for-medicare-open-enrollment-lifeline</link>
                                                                            <description>
                            <![CDATA[ The government has recalled approximately 3,000 workers to assist with Medicare and ACA Marketplace Open Enrollment. ]]>
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                                                                        <pubDate>Tue, 28 Oct 2025 17:24:33 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/AvDWnAxrEQGuq2ydEYftK8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[concept word medicare on cubes on a blue background]]></media:description>                                                            <media:text><![CDATA[concept word medicare on cubes on a blue background]]></media:text>
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                                                            <title><![CDATA[ Financial Fact vs Fiction: The Truth About Social Security Entitlement (and Reverse Mortgages' Bad Rap) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/the-truth-about-social-security-entitlement-and-reverse-mortgages</link>
                                                                            <description>
                            <![CDATA[ Despite the 'entitlement' moniker, Social Security and Medicare are both benefits that workers earn. And reverse mortgages can be a strategic tool for certain people. Plus, we're setting the record straight on three other myths. ]]>
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                                                                        <pubDate>Thu, 16 Oct 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Reverse Mortgages]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ scott.mcclatchey@ballastrockpw.com (Scott McClatchey, CFP®) ]]></author>                    <dc:creator><![CDATA[ Scott McClatchey, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/3hmAdwafq2UYYDeQQFJ5XJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[&quot;Myth&quot; written on a red arrow and &quot;true&quot; written on a green arrow.]]></media:description>                                                            <media:text><![CDATA[&quot;Myth&quot; written on a red arrow and &quot;true&quot; written on a green arrow.]]></media:text>
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                                                            <title><![CDATA[ Medicare Open Enrollment: Why You Need to Pay Extra Attention to Part D, From a Financial Adviser ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/medicare-open-enrollment-pay-extra-attention-to-part-d</link>
                                                                            <description>
                            <![CDATA[ The lowest premium for prescription drug coverage might not actually save you the most money. Make sure you take copays into consideration and do the math. ]]>
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                                                                        <pubDate>Wed, 15 Oct 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ cpruemm@sisfg.com (Cynthia Pruemm, Investment Adviser Representative) ]]></author>                    <dc:creator><![CDATA[ Cynthia Pruemm, Investment Adviser Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Lsn7gimmvQYZqsnaTMityc-1280-80.jpg">
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                                                            <title><![CDATA[ Don't Miss Out! A Quiz on Medicare Enrollment Deadlines ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/a-quiz-on-medicare-enrollment-deadlines</link>
                                                                            <description>
                            <![CDATA[ Test your basic knowledge of Medicare enrollment periods in our quick quiz. ]]>
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                                                                        <pubDate>Tue, 14 Oct 2025 16:15:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/w6am8gA2pCbAZzM6jrD3F4-1280-80.png">
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                                                            <title><![CDATA[ What to Do About These Three Medicare Changes During Open Enrollment ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/what-to-do-about-these-medicare-changes-during-open-enrollment</link>
                                                                            <description>
                            <![CDATA[ With costs due to rise sharply next year, look for coverage that protects your wallet as well as your health. ]]>
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                                                                        <pubDate>Mon, 13 Oct 2025 14:06:00 +0000</pubDate>                                                                                                                                <updated>Thu, 16 Oct 2025 13:58:38 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Richard Eisenberg ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/6m3wiBFigLHvEpwMja3Qcj-1280-80.jpg">
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                                                            <title><![CDATA[ Will Taxes Shred Your 401(k) or IRA During Your Retirement? It's Very Likely ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-planning/will-taxes-shred-your-401k-or-ira-during-retirement</link>
                                                                            <description>
                            <![CDATA[ Conventional wisdom dictates that you save in a 401(k) now and pay taxes later, but turning that rule on its head could leave you far better off. A financial planner explains why. ]]>
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                                                                        <pubDate>Sat, 11 Oct 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ mike.reese@iwanttoretirewell.com (Michael Reese, CFP®) ]]></author>                    <dc:creator><![CDATA[ Michael Reese, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/h3tFUXfttRHLctuWMNB5ZB-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank sits on a nest of shredded cash.]]></media:description>                                                            <media:text><![CDATA[A piggy bank sits on a nest of shredded cash.]]></media:text>
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                                                            <title><![CDATA[ Medicare Open Enrollment Blog 2026: Options if You Missed Open Enrollment  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/news/live/retirement/medicare-open-enrollment-2025-updates</link>
                                                                            <description>
                            <![CDATA[ Information you can use year-round to manage your Medicare needs. ]]>
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                                                                        <pubDate>Wed, 08 Oct 2025 15:28:07 +0000</pubDate>                                                                                                                                <updated>Wed, 10 Dec 2025 20:34:16 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/H398aUaNFaoSDb8eggM5Y8-1280-80.jpg">
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                                                            <title><![CDATA[ Major Insurers Scale Back Medicare Advantage and Part D Plans for 2026 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/insurers-scale-back-medicare-advantage-and-part-d-plans-for-2026</link>
                                                                            <description>
                            <![CDATA[ Beneficiaries enrolled in Medicare Advantage and Part D prescription drug plans might be losing their plan as UnitedHealthcare, Humana, and Aetna (CVS Health) scale back offerings for 2026. ]]>
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                                                                        <pubDate>Wed, 08 Oct 2025 13:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WXqLDwHLEFstu7CFYHM6kQ-1280-80.jpg">
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                                                            <title><![CDATA[ The '100% Overwhelming' Decision: What Do You Do About Medigap? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/mind-the-medigap-your-big-decision-for-supplementing-medicare</link>
                                                                            <description>
                            <![CDATA[ Choosing your Medigap plan for supplemental insurance can be a complex, confusing, and costly process. Here's how to tackle the decision. ]]>
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                                                                        <pubDate>Sun, 28 Sep 2025 09:56:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Chris Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/pGbDhuhRBe3VYtTreDTpVM-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A doctor stands next to a dry erase board with Medicare Supplement Plan written on it]]></media:description>                                                            <media:text><![CDATA[A doctor stands next to a dry erase board with Medicare Supplement Plan written on it]]></media:text>
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                                                            <title><![CDATA[ Your Medicare Costs Are Set to Soar: What to Expect Over the Next Decade ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/your-medicare-costs-are-set-to-soar-what-to-expect-over-the-next-decade</link>
                                                                            <description>
                            <![CDATA[ Medicare beneficiaries will face higher premiums, deductibles and surcharges starting in 2026 and continuing over the next decade. Here's what you need to know. ]]>
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                                                                        <pubDate>Tue, 23 Sep 2025 10:07:00 +0000</pubDate>                                                                                                                                <updated>Fri, 10 Oct 2025 15:10:23 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Health Savings Accounts]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kSLMWihPSuNnLw6G7mFrrf-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Business and Finance concept background with retirement plan]]></media:description>                                                            <media:text><![CDATA[Business and Finance concept background with retirement plan]]></media:text>
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                                                            <title><![CDATA[ Quiz: Do You Know What Medicare Gives You for Free?  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/quiz-do-you-know-what-medicare-gives-you-for-free</link>
                                                                            <description>
                            <![CDATA[ This quiz tests your knowledge of the services that Medicare provides at no cost to you. ]]>
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                                                                        <pubDate>Tue, 16 Sep 2025 16:47:37 +0000</pubDate>                                                                                                                                <updated>Wed, 15 Oct 2025 19:48:58 +0000</updated>
                                                                                                                                            <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/w6am8gA2pCbAZzM6jrD3F4-1280-80.png">
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                                                            <title><![CDATA[ Confused About the New COVID Vaccine and Medicare? What You Need to Know ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/the-new-covid-vaccine-and-medicare-what-you-need-to-know</link>
                                                                            <description>
                            <![CDATA[ Getting the new COVID-19 vaccine covered by Medicare isn't as easy this year as it was in the past. Here's what you need to know before you take a trip to your pharmacy. ]]>
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                                                                        <pubDate>Mon, 15 Sep 2025 21:56:35 +0000</pubDate>                                                                                                                                <updated>Tue, 16 Sep 2025 14:01:24 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/eXJK9FzuD4te3nvaK7nTdU-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A vial of coronavirus vaccine on a vaccination record card with a syringe on the side]]></media:description>                                                            <media:text><![CDATA[A vial of coronavirus vaccine on a vaccination record card with a syringe on the side]]></media:text>
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                                                            <title><![CDATA[ This Is What You Really Need to Know About Medicare, From a Financial Expert ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/expert-guide-to-what-you-really-need-to-know-about-medicare</link>
                                                                            <description>
                            <![CDATA[ Health care costs are a significant retirement expense, and Medicare offers essential but complex coverage that requires careful planning. Here's how to navigate Medicare's various parts, enrollment periods and income-based costs. ]]>
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                                                                        <pubDate>Sun, 14 Sep 2025 09:30:00 +0000</pubDate>                                                                                                                                <updated>Thu, 18 Sep 2025 19:45:09 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></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/jGHEW2GkzA4mEg3atq5kHD-1280-80.jpg">
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                                                            <title><![CDATA[ Don't Toss It! Why Your Medicare Annual Notice of Change Matters ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/why-your-medicare-annual-notice-of-change-matters</link>
                                                                            <description>
                            <![CDATA[ If you have Medicare Part D or a Medicare Advantage plan, reviewing your Annual Notice of Change is crucial. It can save you money and ensure you can still see your preferred doctors and hospitals. ]]>
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                                                                        <pubDate>Wed, 10 Sep 2025 20:51:11 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WDx4xsHQweZjyKA3ygKbqJ-1280-80.jpg">
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                                                            <title><![CDATA[ Medicare Prior Authorization Expands to Ambulatory Surgical Centers ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/medicare-prior-authorization-expands-to-ambulatory-surgical-centers</link>
                                                                            <description>
                            <![CDATA[ Prior authorizations are becoming more common in original Medicare. In December, Medicare will begin requiring prior authorization for certain procedures when performed in ambulatory surgical centers in December. ]]>
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                                                                        <pubDate>Fri, 05 Sep 2025 21:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/My8F3yvRD7kj2ngc37PeqX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Medicare word on a small chalk board.]]></media:description>                                                            <media:text><![CDATA[Medicare word on a small chalk board.]]></media:text>
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                                                            <title><![CDATA[ Why Is My First Medicare Bill So High?  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/why-is-my-first-medicare-bill-so-high</link>
                                                                            <description>
                            <![CDATA[ Your first Medicare bill may be higher than expected for several reasons. If your premiums aren't taken out of your Social Security benefit, the bill can be huge. ]]>
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                                                                        <pubDate>Mon, 01 Sep 2025 10:17:00 +0000</pubDate>                                                                                                                                <updated>Tue, 16 Dec 2025 16:07:24 +0000</updated>
                                                                                                                                            <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kXgzGDC5tpxK6mYEtX5w48-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Shocked woman holding big Medicare bill at home.]]></media:description>                                                            <media:text><![CDATA[Shocked woman holding big Medicare bill at home.]]></media:text>
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                                                            <title><![CDATA[ I'm 60 With $2.8 Million Saved. I'm Tired of Working, But Need Health Insurance Until Medicare Kicks In. ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/im-60-with-usd2-8-million-saved-im-tired-of-working-but-need-health-insurance-until-medicare-kicks-in</link>
                                                                            <description>
                            <![CDATA[ The 'health care desert' is real. We ask financial experts for advice. ]]>
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                                                                        <pubDate>Sun, 24 Aug 2025 10:07:00 +0000</pubDate>                                                                                                                                <updated>Sun, 24 Aug 2025 14:27:43 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/zzA79PFCPuquAdXSUjMRu8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Portrait of a woman sitting at the notebook, red cup of tea on the table. Reflection of a face in the monitor screen, chin on hands. She looks tired.]]></media:description>                                                            <media:text><![CDATA[Portrait of a woman sitting at the notebook, red cup of tea on the table. Reflection of a face in the monitor screen, chin on hands. She looks tired.]]></media:text>
                                <media:title type="plain"><![CDATA[Portrait of a woman sitting at the notebook, red cup of tea on the table. Reflection of a face in the monitor screen, chin on hands. She looks tired.]]></media:title>
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                                                            <title><![CDATA[ I Missed the 2-Year IRMAA Rule, Now My Medicare Costs Are Skyrocketing. ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/medicare/i-missed-the-2-year-irmaa-rule-now-my-medicare-costs-are-skyrocketing</link>
                                                                            <description>
                            <![CDATA[ A spike in income could result in costly IRMAA charges on your Medicare premiums. We ask financial planning experts for advice. ]]>
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                                                                        <pubDate>Wed, 13 Aug 2025 10:06:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/MoRncApBiH3EUiitdaS3VM-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A retired man clasps his hands in front of his mouth and looks into the distance, behind the camera. He appears thoughtful or worried.]]></media:description>                                                            <media:text><![CDATA[A retired man clasps his hands in front of his mouth and looks into the distance, behind the camera. He appears thoughtful or worried.]]></media:text>
                                <media:title type="plain"><![CDATA[A retired man clasps his hands in front of his mouth and looks into the distance, behind the camera. He appears thoughtful or worried.]]></media:title>
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