<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
     xmlns:content="http://purl.org/rss/1.0/modules/content/"
     xmlns:dc="https://purl.org/dc/elements/1.1/"
     xmlns:dcterms="http://purl.org/dc/terms/"
     xmlns:media="http://search.yahoo.com/mrss/"
     xmlns:atom="http://www.w3.org/2005/Atom"
>
    <channel>
        <atom:link href="https://www.kiplinger.com/feeds/tag/required-minimum-distributions-rmds" rel="self" type="application/rss+xml" />
                    <title><![CDATA[ Latest from Kiplinger in Required-minimum-distributions-rmds ]]></title>
                <link>https://www.kiplinger.com/retirement/retirement-plans/required-minimum-distributions-rmds</link>
        <description><![CDATA[ All the latest required-minimum-distributions-rmds content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Sun, 01 Mar 2026 10:40:00 +0000</lastBuildDate>
                            <language>en</language>
                                <item>
                                                            <title><![CDATA[ Missed Your RMD? 4 Ways to Avoid Doing That Again (and Skip the IRS Penalties), From a Financial Planner ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/required-minimum-distributions-rmds/missed-rmd-what-to-do</link>
                                                                            <description>
                            <![CDATA[ If you miss your RMDs, you could face a hefty fine. Here are four ways to stay on top of your payments — and on the right side of the IRS. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">8A6Pmmbg5AoqLxLXjQnEVR</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/hyGaUzXhMvA5ACibKAgnDd-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 01 Mar 2026 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ EBeach@exit59advisory.com (Evan T. Beach, CFP®, AWMA®) ]]></author>                    <dc:creator><![CDATA[ Evan T. Beach, CFP®, AWMA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/hyGaUzXhMvA5ACibKAgnDd-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman looks at her laptop at home with an &quot;I&#039;ve made a big mistake&quot; expression.]]></media:description>                                                            <media:text><![CDATA[An older woman looks at her laptop at home with an &quot;I&#039;ve made a big mistake&quot; expression.]]></media:text>
                                <media:title type="plain"><![CDATA[An older woman looks at her laptop at home with an &quot;I&#039;ve made a big mistake&quot; expression.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/hyGaUzXhMvA5ACibKAgnDd-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ We're 78 and Want to Use Our 2026 RMD to Treat Our Kids and Grandkids to a Vacation. How Should We Approach This? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/were-78-and-want-to-use-our-rmd-to-treat-our-kids-and-grandkids-to-a-vacation-how-should-we-approach-this</link>
                                                                            <description>
                            <![CDATA[ An extended family vacation can be a fun and bonding experience if planned well. Here are tips from travel experts. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">qNsMarMtVxo6iN2puSyqPQ</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/9sRgXxikoRMxwrNQAZWkdH-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 15 Feb 2026 11:05:00 +0000</pubDate>                                                                                                                                <updated>Mon, 16 Feb 2026 19:48:39 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Travel]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Spending]]></category>
                                                    <category><![CDATA[Leisure]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9sRgXxikoRMxwrNQAZWkdH-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Active Multi-Generation Family With Dog Walking Along Shore On Winter Beach Vacation.]]></media:description>                                                            <media:text><![CDATA[Active Multi-Generation Family With Dog Walking Along Shore On Winter Beach Vacation.]]></media:text>
                                <media:title type="plain"><![CDATA[Active Multi-Generation Family With Dog Walking Along Shore On Winter Beach Vacation.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/9sRgXxikoRMxwrNQAZWkdH-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ 4 Ways Washington Could Put Your Retirement at Risk (and How to Prepare) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/ways-washington-could-put-your-retirement-at-risk-how-to-prepare</link>
                                                                            <description>
                            <![CDATA[ Legislative changes, such as shifting tax brackets or altering retirement account rules, could affect your nest egg, so it'd be prudent to prepare. Here's how. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">JZoPLLt4aFPUmezSKWMTEU</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/CDTFeTVwnCzFWmMPHGPx4L-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 01 Feb 2026 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Politics]]></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[ 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/CDTFeTVwnCzFWmMPHGPx4L-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Senior couple making calculations at home kitchen]]></media:description>                                                            <media:text><![CDATA[Senior couple making calculations at home kitchen]]></media:text>
                                <media:title type="plain"><![CDATA[Senior couple making calculations at home kitchen]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/CDTFeTVwnCzFWmMPHGPx4L-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <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. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">EHTB3wLQSFyF9PCou7zu9U</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/gXHe64ucAEghEzSdoa8jUa-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <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">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Tax refund tag ]]></media:description>                                                            <media:text><![CDATA[Tax refund tag ]]></media:text>
                                <media:title type="plain"><![CDATA[Tax refund tag ]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/gXHe64ucAEghEzSdoa8jUa-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ I'm a Financial Adviser: This Is How You Can Minimize the Damage of Bad Market Timing at Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/minimize-bad-market-timing-at-retirement</link>
                                                                            <description>
                            <![CDATA[ Poor investment returns early in retirement on top of withdrawals can quickly drain your savings. The ideal plan helps prevent having to sell assets at a loss. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">8BKcozKj7nUqKhixRixhVU</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/CibQcXkPzSsfbLjNT9eBG7-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Tue, 27 Jan 2026 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Stocks]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ ask@harlowwealth.com (Tommy Snyder) ]]></author>                    <dc:creator><![CDATA[ Tommy Snyder ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/CibQcXkPzSsfbLjNT9eBG7-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Worried senior woman examining a bill ]]></media:description>                                                            <media:text><![CDATA[Worried senior woman examining a bill ]]></media:text>
                                <media:title type="plain"><![CDATA[Worried senior woman examining a bill ]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/CibQcXkPzSsfbLjNT9eBG7-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ I'm Retiring at 67 With $2.6 Million, Most of Which Is in a Traditional IRA. I'm Worried About RMDs and Taxes. What Should I Do? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/required-minimum-distributions-rmds/im-retiring-at-67-with-usd2-6-million-most-of-which-is-in-a-traditional-ira-im-worried-about-rmds-and-taxes-what-should-i-do</link>
                                                                            <description>
                            <![CDATA[ We asked professional wealth planners for advice. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">Xq2dGYEaWoEATSquRzg7ub</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/xjf2xMWJXjCBbVQc2XedLP-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Wed, 21 Jan 2026 11:05:00 +0000</pubDate>                                                                                                                                <updated>Mon, 02 Feb 2026 18:34:48 +0000</updated>
                                                                                                                                            <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/xjf2xMWJXjCBbVQc2XedLP-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Serious mature man using laptop while sitting at home.]]></media:description>                                                            <media:text><![CDATA[Serious mature man using laptop while sitting at home.]]></media:text>
                                <media:title type="plain"><![CDATA[Serious mature man using laptop while sitting at home.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/xjf2xMWJXjCBbVQc2XedLP-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ How to Avoid Being Buried by the Tax Avalanche in Retirement: Tips From a Wealth Adviser ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-planning/tips-to-avoid-taxes-in-retirement</link>
                                                                            <description>
                            <![CDATA[ All that cash you have in tax-deferred accounts could launch you into a higher tax bracket when you start withdrawals. It's time to protect your income. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">Rq6FP5XqmYwSybLe5wg6gN</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/gXremvGEWXXJbSJQubCFtC-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 18 Jan 2026 10:45:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement Planning]]></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[ brian@wealthstandardfinancial.com (Brian O. Butler, CRPC®, CPFA®, CEPA®) ]]></author>                    <dc:creator><![CDATA[ Brian O. Butler, CRPC®, CPFA®, CEPA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/gXremvGEWXXJbSJQubCFtC-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Snow flies around a playing dog.]]></media:description>                                                            <media:text><![CDATA[Snow flies around a playing dog.]]></media:text>
                                <media:title type="plain"><![CDATA[Snow flies around a playing dog.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/gXremvGEWXXJbSJQubCFtC-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ The $183,000 RMD Shock: Why Roth Conversions in Your 70s Can Be Risky ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/roth-iras/rmd-shocks-why-roth-conversions-in-your-70s-can-be-risky</link>
                                                                            <description>
                            <![CDATA[ Converting retirement funds to a Roth is a smart strategy for many, but the older you are, the less time you have to recover the tax bite from the conversion. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">mfbnYVwoLg5nTo5cQjKh4N</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/4G5DHsYp82tpddFHYg8XHo-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 20 Dec 2025 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ info@kennedywealthmgmt.com (Mark Kennedy) ]]></author>                    <dc:creator><![CDATA[ Mark Kennedy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/4G5DHsYp82tpddFHYg8XHo-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple look shocked as they look at their laptop screen at the dining room table. ]]></media:description>                                                            <media:text><![CDATA[An older couple look shocked as they look at their laptop screen at the dining room table. ]]></media:text>
                                <media:title type="plain"><![CDATA[An older couple look shocked as they look at their laptop screen at the dining room table. ]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/4G5DHsYp82tpddFHYg8XHo-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ The Retirement Donor's Checklist: Key Deadlines by Gift Type ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/retirement-donors-checklist-key-deadlines-by-gift-type</link>
                                                                            <description>
                            <![CDATA[ Retirees have some charitable contribution options that can help avoid spikes in income from RMDS and capital gains. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">bCmVLc7etUq6MddCTNnxpD</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/BzhigNpPi43Fu3kGc7BqRM-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Thu, 18 Dec 2025 21:15:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Charity]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/BzhigNpPi43Fu3kGc7BqRM-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Woman using laptop with donation interface on screen showing heart and hands icons for charity support.]]></media:description>                                                            <media:text><![CDATA[Woman using laptop with donation interface on screen showing heart and hands icons for charity support.]]></media:text>
                                <media:title type="plain"><![CDATA[Woman using laptop with donation interface on screen showing heart and hands icons for charity support.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/BzhigNpPi43Fu3kGc7BqRM-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ I'm Retired and Want to Give My 3 Grandkids $5,000 Each for Christmas, But Their Parents Don't Want Them to Spend It All. ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/happy-retirement/im-retired-and-want-to-give-my-3-grandkids-usd5-000-each-for-christmas-but-their-parents-dont-want-them-to-spend-it-all</link>
                                                                            <description>
                            <![CDATA[ You're comfortably retired and want to give your grandkids a big Christmas check, but their parents are worried they might spend it all. We ask the pros for help. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">Hzski5XGyFKbe8dMYgvDRX</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/xw86thXzTYkzJ8eXiuNa6g-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 14 Dec 2025 11:10:00 +0000</pubDate>                                                                                                                                <updated>Wed, 17 Dec 2025 22:47:38 +0000</updated>
                                                                                                                                            <category><![CDATA[Happy Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></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/xw86thXzTYkzJ8eXiuNa6g-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Three children, probably siblings, lined up wearing Christmas sweaters and hats in front of a Christmas tree.]]></media:description>                                                            <media:text><![CDATA[Three children, probably siblings, lined up wearing Christmas sweaters and hats in front of a Christmas tree.]]></media:text>
                                <media:title type="plain"><![CDATA[Three children, probably siblings, lined up wearing Christmas sweaters and hats in front of a Christmas tree.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/xw86thXzTYkzJ8eXiuNa6g-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Ask the Editor, December 12: IRAs, 401(k)s and RMDs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/ask-the-editor-december-12-iras-401k-rmds</link>
                                                                            <description>
                            <![CDATA[ In this week's Ask the Editor Q&A, Joy Taylor answers questions on IRAs, 401(k)s and required minimum distributions ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">8XDNukynFSs6XRVzmAYhTW</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/j3e8ftZVA6ioidjPzNs6Ni-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Fri, 12 Dec 2025 13:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/j3e8ftZVA6ioidjPzNs6Ni-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Ask the Editor logo plus hands tipping a man upside down with coins falling out of his pockets]]></media:description>                                                            <media:text><![CDATA[Ask the Editor logo plus hands tipping a man upside down with coins falling out of his pockets]]></media:text>
                                <media:title type="plain"><![CDATA[Ask the Editor logo plus hands tipping a man upside down with coins falling out of his pockets]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/j3e8ftZVA6ioidjPzNs6Ni-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ 5 RMD Mistakes That Could Cost You Big-Time: Even Seasoned Retirees Slip Up ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/required-minimum-distributions-rmds/rmd-mistakes-that-even-seasoned-retirees-can-make</link>
                                                                            <description>
                            <![CDATA[ The five biggest RMD mistakes retirees make show that tax-smart retirement planning should start well before you hit the age your first RMD is due. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">J4Tv8iQWBLjk3zkepCoPQi</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/YaiTEk6wHQi9MBe27pGe5A-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 07 Dec 2025 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ info@KeilFP.com (Jeremy Keil, CFP®, CFA®, CKA®) ]]></author>                    <dc:creator><![CDATA[ Jeremy Keil, CFP®, CFA®, CKA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YaiTEk6wHQi9MBe27pGe5A-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A confused-looking retired couple look over paperwork on their living room sofa.]]></media:description>                                                            <media:text><![CDATA[A confused-looking retired couple look over paperwork on their living room sofa.]]></media:text>
                                <media:title type="plain"><![CDATA[A confused-looking retired couple look over paperwork on their living room sofa.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/YaiTEk6wHQi9MBe27pGe5A-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ New RMD Rules: Can You Pass This  Retirement Distributions Tax Quiz? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/new-rmd-rules-quiz</link>
                                                                            <description>
                            <![CDATA[ Take our RMD quiz to test your retirement tax knowledge. Learn about RMD rules, IRS deadlines, and tax penalties that could shrink your savings. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">Z9qw3QEk7A99dNq78F7sWb</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/eCu4fmV5ZM298LXMSvivE7-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 09 Nov 2025 14:47:00 +0000</pubDate>                                                                                                                                <updated>Sun, 16 Nov 2025 05:10:30 +0000</updated>
                                                                                                                                            <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kelley R. Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/eCu4fmV5ZM298LXMSvivE7-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[the word RMD and required minimum distributions on stacked wooden blocks]]></media:description>                                                            <media:text><![CDATA[the word RMD and required minimum distributions on stacked wooden blocks]]></media:text>
                                <media:title type="plain"><![CDATA[the word RMD and required minimum distributions on stacked wooden blocks]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/eCu4fmV5ZM298LXMSvivE7-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ I'm a Financial Planner: This Is How You Can Get Started With RMDs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/required-minimum-distributions-rmds/a-cfps-guide-to-getting-started-with-rmds</link>
                                                                            <description>
                            <![CDATA[ The IRS will come knocking for its share of your tax-deferred retirement savings when you hit 73, but planning ahead for RMDs will ensure you're ready. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">4jFrq7RVvmKfLUZw4ED84U</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/xJnQqfp8ownYuZVLVP8QsW-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 09 Nov 2025 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ EricHeckman@WealthCreator.com (Eric Heckman, CFP®, ChFC®, CLU®, CRTP) ]]></author>                    <dc:creator><![CDATA[ Eric Heckman, CFP®, ChFC®, CLU®, CRTP ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/xJnQqfp8ownYuZVLVP8QsW-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A smiling older man gets into the starting position as if he&#039;s going to run a foot race.]]></media:description>                                                            <media:text><![CDATA[A smiling older man gets into the starting position as if he&#039;s going to run a foot race.]]></media:text>
                                <media:title type="plain"><![CDATA[A smiling older man gets into the starting position as if he&#039;s going to run a foot race.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/xJnQqfp8ownYuZVLVP8QsW-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Seven Moves for High-Net-Worth People to Make Before End of 2025, From a Financial Planner ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/year-end-moves-for-high-net-worth-people</link>
                                                                            <description>
                            <![CDATA[ It's time to focus on how they can potentially reduce their taxes, align their finances with family goals and build their financial confidence for the new year. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">NvMvHXMjXvqkxzDJWSC7KQ</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/Fu5jQrxfCWu8SgQk8f8kfF-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 02 Nov 2025 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Charity]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ bjackson@linscombwealth.com (Brooke Jackson, CFP®) ]]></author>                    <dc:creator><![CDATA[ Brooke Jackson, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Fu5jQrxfCWu8SgQk8f8kfF-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman and her daughter work on financial paperwork.]]></media:description>                                                            <media:text><![CDATA[An older woman and her daughter work on financial paperwork.]]></media:text>
                                <media:title type="plain"><![CDATA[An older woman and her daughter work on financial paperwork.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/Fu5jQrxfCWu8SgQk8f8kfF-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ I Have to Take a $22,000 RMD by the End of the Year, and I Don't Need the Money. What Should I Do With It? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/required-minimum-distributions-rmds/i-have-to-take-an-rmd-by-the-end-of-the-year-and-i-dont-need-the-money-what-should-i-do-with-it</link>
                                                                            <description>
                            <![CDATA[ We ask financial experts for advice. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">zXJUR3MaJTfLLawDjuwRJa</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/usmqaQxewaqW5uNoZWxbjf-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 19 Oct 2025 10:07:00 +0000</pubDate>                                                                                                                                <updated>Tue, 21 Oct 2025 19:14:52 +0000</updated>
                                                                                                                                            <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/usmqaQxewaqW5uNoZWxbjf-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Senior man with hands in pockets standing in front of glass wall.]]></media:description>                                                            <media:text><![CDATA[Senior man with hands in pockets standing in front of glass wall.]]></media:text>
                                <media:title type="plain"><![CDATA[Senior man with hands in pockets standing in front of glass wall.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/usmqaQxewaqW5uNoZWxbjf-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Ask the Editor, May 9 — Reader Questions on QCDs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-deductions/ask-the-editor-may-9-qcds</link>
                                                                            <description>
                            <![CDATA[ In our latest Ask the Editor round-up, Joy Taylor, The Kiplinger Tax Letter Editor, answers questions on qualified charitable distributions (QCDs). ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">2tb2wVjMBQh6phaHJ3csLV</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/GpDSZVzccYuQHsMLF64KdQ-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Fri, 09 May 2025 20:56:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Filing]]></category>
                                                    <category><![CDATA[tax returns]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/GpDSZVzccYuQHsMLF64KdQ-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Ask the Editor logo plus woman holding pencil, with checklist and calculator]]></media:description>                                                            <media:text><![CDATA[Ask the Editor logo plus woman holding pencil, with checklist and calculator]]></media:text>
                                <media:title type="plain"><![CDATA[Ask the Editor logo plus woman holding pencil, with checklist and calculator]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/GpDSZVzccYuQHsMLF64KdQ-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ April RMD? Five Tax Strategies to Manage Your 2025 Income ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/rmd-april-deadline-tax-strategies</link>
                                                                            <description>
                            <![CDATA[ The April 1, 2025, deadline for required minimum distributions (RMDs) is fast approaching for retirees who turned 73 in 2024. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">njBCeh7kWpVRrBn8xYS7vA</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/uA83RgEfFh4V8EEKEbybnM-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 30 Mar 2025 14:17:10 +0000</pubDate>                                                                                                                                <updated>Mon, 31 Mar 2025 13:23:04 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Taxable Income]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kelley R. Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/uA83RgEfFh4V8EEKEbybnM-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[April 2025 calendar on an outdoor table]]></media:description>                                                            <media:text><![CDATA[April 2025 calendar on an outdoor table]]></media:text>
                                <media:title type="plain"><![CDATA[April 2025 calendar on an outdoor table]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/uA83RgEfFh4V8EEKEbybnM-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ How Roth Accounts Can Ease Your Tax Burden in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-roth-accounts-can-ease-your-tax-burden-in-retirement</link>
                                                                            <description>
                            <![CDATA[ Strategic Roth IRA conversions can set you up for tax-free income in retirement and a tax-free inheritance for the people you love. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">RWoEjGAh2YaPUegBVbdi4m</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/DQfGbNUVCeYuoNXDi5Yae3-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 23 Mar 2025 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@hannawealthadvisors.com (Jim Hanna) ]]></author>                    <dc:creator><![CDATA[ Jim Hanna ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/DQfGbNUVCeYuoNXDi5Yae3-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple relax together in a hammock and read.]]></media:description>                                                            <media:text><![CDATA[An older couple relax together in a hammock and read.]]></media:text>
                                <media:title type="plain"><![CDATA[An older couple relax together in a hammock and read.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/DQfGbNUVCeYuoNXDi5Yae3-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Kick the IRS to the Curb in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/kick-the-irs-to-the-curb-in-retirement</link>
                                                                            <description>
                            <![CDATA[ That 401(k) or traditional IRA you've filled with your hard-earned money could turn into a tax bomb. Before it blows, see if a Roth could help rescue you. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">yJ6sh5vo7vYc7cnBfHjMhZ</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/4MZUTNBCHfB8TXvAdkYWk3-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 22 Mar 2025 09:35:00 +0000</pubDate>                                                                                                                                <updated>Mon, 24 Mar 2025 16:23:04 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Scott Mallernee, CRPC® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/4MZUTNBCHfB8TXvAdkYWk3-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older man in the distance prepares to run at a soccer ball in the foreground.]]></media:description>                                                            <media:text><![CDATA[An older man in the distance prepares to run at a soccer ball in the foreground.]]></media:text>
                                <media:title type="plain"><![CDATA[An older man in the distance prepares to run at a soccer ball in the foreground.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/4MZUTNBCHfB8TXvAdkYWk3-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ 10 Tax Topics Every Retiree Should Know About ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/tax-topics-every-retiree-should-know-about</link>
                                                                            <description>
                            <![CDATA[ A little knowledge can go a long way toward saving on your tax bill. Print this out and take it to your tax planner so you can have a productive chat. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">GQc9GH5bzXVYud7sHKhKu7</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/Gud2CV68xfzarVjwsH2z4D-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 16 Mar 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@efteam.us (Michael Miller) ]]></author>                    <dc:creator><![CDATA[ Michael Miller ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Gud2CV68xfzarVjwsH2z4D-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[The word &quot;tax&quot; in red on top of hundred-dollar bills.]]></media:description>                                                            <media:text><![CDATA[The word &quot;tax&quot; in red on top of hundred-dollar bills.]]></media:text>
                                <media:title type="plain"><![CDATA[The word &quot;tax&quot; in red on top of hundred-dollar bills.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/Gud2CV68xfzarVjwsH2z4D-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Five Retirement Myths vs the Reality ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-myths-vs-the-reality</link>
                                                                            <description>
                            <![CDATA[ Believing these myths about retirement could set you down the wrong path. Separating fact from fiction can help you approach your retirement with confidence. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">NTVAAG5SMRTdyNuPQfMYj9</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/7ZcDp5D8qQN2Uze8TyCN4X-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 23 Feb 2025 10:40:00 +0000</pubDate>                                                                                                                                <updated>Thu, 18 Sep 2025 16:52:44 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ tony.drake@drakeandassociates.net (Tony Drake, CFP®, Investment Advisor Representative) ]]></author>                    <dc:creator><![CDATA[ Tony Drake, CFP®, Investment Advisor Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/7ZcDp5D8qQN2Uze8TyCN4X-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A woman looks thoughtful while working on her laptop at a table.]]></media:description>                                                            <media:text><![CDATA[A woman looks thoughtful while working on her laptop at a table.]]></media:text>
                                <media:title type="plain"><![CDATA[A woman looks thoughtful while working on her laptop at a table.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/7ZcDp5D8qQN2Uze8TyCN4X-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Here's How Retirement Changes Your Taxes ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-retirement-changes-your-taxes</link>
                                                                            <description>
                            <![CDATA[ How you approach taxes in your golden years and in the years before retirement can dramatically impact how much you pay. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">tneM7dSW88xJKCVzNZrMpS</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/9hfD7pGUouK8ncHCtn8BpM-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 01 Feb 2025 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@njretirementplanning.com (Joel V. Russo, LUTCF) ]]></author>                    <dc:creator><![CDATA[ Joel V. Russo, LUTCF ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9hfD7pGUouK8ncHCtn8BpM-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple go over financial paperwork at a table and with a laptop. ]]></media:description>                                                            <media:text><![CDATA[An older couple go over financial paperwork at a table and with a laptop. ]]></media:text>
                                <media:title type="plain"><![CDATA[An older couple go over financial paperwork at a table and with a laptop. ]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/9hfD7pGUouK8ncHCtn8BpM-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ A Strategic Way to Address the Tax-Deferred Disconnect ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/strategic-way-to-address-the-tax-deferred-disconnect</link>
                                                                            <description>
                            <![CDATA[ What you don't know could cost you a fortune. Here's how to make the most of a tax-deferred retirement account and possibly save your heirs a bunch on taxes. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">WoHyrEHzodGjbDhEtGxxFo</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/bGh97XNAoNt65bViriTGF9-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Thu, 16 Jan 2025 10:30:00 +0000</pubDate>                                                                                                                                <updated>Fri, 17 Jan 2025 14:20:38 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ jim@jimsloan.com (Jim E. Sloan, IAR) ]]></author>                    <dc:creator><![CDATA[ Jim E. Sloan, IAR ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bGh97XNAoNt65bViriTGF9-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A red line with an arrow goes around a red ball against a blue background.]]></media:description>                                                            <media:text><![CDATA[A red line with an arrow goes around a red ball against a blue background.]]></media:text>
                                <media:title type="plain"><![CDATA[A red line with an arrow goes around a red ball against a blue background.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/bGh97XNAoNt65bViriTGF9-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Three Steps to Simplify Paying Your Taxes in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/steps-to-simplify-paying-your-taxes-in-retirement</link>
                                                                            <description>
                            <![CDATA[ Once you retire, how you pay some of your taxes can change. Here's how to get a handle on them so you don't run afoul of the IRS and face penalties. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">Dx3Bzmao9TdmcRLzyiBxtQ</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/2MQriGyVBQAFav9iu67jxA-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 12 Jan 2025 10:30:00 +0000</pubDate>                                                                                                                                <updated>Thu, 18 Sep 2025 19:35:42 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ EBeach@exit59advisory.com (Evan T. Beach, CFP®, AWMA®) ]]></author>                    <dc:creator><![CDATA[ Evan T. Beach, CFP®, AWMA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/2MQriGyVBQAFav9iu67jxA-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older man uses a calculator and looks at paperwork at the kitchen table with a laptop in front of him.]]></media:description>                                                            <media:text><![CDATA[An older man uses a calculator and looks at paperwork at the kitchen table with a laptop in front of him.]]></media:text>
                                <media:title type="plain"><![CDATA[An older man uses a calculator and looks at paperwork at the kitchen table with a laptop in front of him.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/2MQriGyVBQAFav9iu67jxA-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ New Year's Eve RMD Deadline: What to Know and What to Do ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/december-rmd-deadline-what-to-know-and-what-to-do</link>
                                                                            <description>
                            <![CDATA[ The year-end deadline for required minimum distributions is critical for many retirees. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">V8MHdgJuhKoH7V23fZZBZG</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/amoa5HTfFMJyhYcecRFmgL-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Thu, 26 Dec 2024 15:47:50 +0000</pubDate>                                                                                                                                <updated>Sun, 29 Dec 2024 22:28:17 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kelley R. Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/amoa5HTfFMJyhYcecRFmgL-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[image of a December 31 calendar page on wooden table]]></media:description>                                                            <media:text><![CDATA[image of a December 31 calendar page on wooden table]]></media:text>
                                <media:title type="plain"><![CDATA[image of a December 31 calendar page on wooden table]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/amoa5HTfFMJyhYcecRFmgL-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Year-End RMDs: 10 Ways to Invest, Spend or Donate Them ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/year-end-rmds-should-you-invest-spend-or-donate-them</link>
                                                                            <description>
                            <![CDATA[ The deadline for taking Required Minimum Distributions (RMDs) is December 31. And yes, shopping or travel might be in order. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">rvxtt7G8EJKB8Dn8NWvAiG</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/dDhwQo64Gps2DJFBBCfVK3-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 15 Dec 2024 11:50:00 +0000</pubDate>                                                                                                                                <updated>Thu, 18 Dec 2025 17:41:15 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Adam Shell ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/dDhwQo64Gps2DJFBBCfVK3-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An attractive older couple pauses by a display window while shopping on the street.]]></media:description>                                                            <media:text><![CDATA[An attractive older couple pauses by a display window while shopping on the street.]]></media:text>
                                <media:title type="plain"><![CDATA[An attractive older couple pauses by a display window while shopping on the street.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/dDhwQo64Gps2DJFBBCfVK3-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ 25 Financial Moves to Consider Before December 31 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/financial-moves-to-consider-before-december-31</link>
                                                                            <description>
                            <![CDATA[ Tidying up your financial house before the New Year kicks off will put you in a great position to have a financially satisfying and successful 2025. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">NGVf56djH4EuavdCgs6be5</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/6MLCk9JqjjBLv3CbFBbvJG-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 07 Dec 2024 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Charity]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ Jonathan@ParkBridgeWealth.com (Jonathan I. Shenkman, AIF®) ]]></author>                    <dc:creator><![CDATA[ Jonathan I. Shenkman, AIF® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/6MLCk9JqjjBLv3CbFBbvJG-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A green marker next to some checked boxes in a checklist.]]></media:description>                                                            <media:text><![CDATA[A green marker next to some checked boxes in a checklist.]]></media:text>
                                <media:title type="plain"><![CDATA[A green marker next to some checked boxes in a checklist.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/6MLCk9JqjjBLv3CbFBbvJG-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Time for Some Fall Financial Maintenance: Here's a Checklist ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/fall-financial-checklist</link>
                                                                            <description>
                            <![CDATA[ As you rake the leaves and clean the gutters, you should also consider tackling seven key year-end planning chores. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">vHMcS4wSbVgNf2n7VuRfhS</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/YzXBKREcMJbqBii2FsxJA4-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 10 Nov 2024 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Charity]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Adam Frank ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YzXBKREcMJbqBii2FsxJA4-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A woman rakes leaves in her yard, surrounded by colorful fall foliage.]]></media:description>                                                            <media:text><![CDATA[A woman rakes leaves in her yard, surrounded by colorful fall foliage.]]></media:text>
                                <media:title type="plain"><![CDATA[A woman rakes leaves in her yard, surrounded by colorful fall foliage.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/YzXBKREcMJbqBii2FsxJA4-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Five Tax Strategies to Help Your Money Last in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/tax-strategies-to-help-your-money-last-in-retirement</link>
                                                                            <description>
                            <![CDATA[ Having a tax strategy is crucial to making your money last. These tax-saving moves can help, whether you're years from retirement or already there. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">Cwm4YV9yjsyRWHhMw3zmrT</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/qMsEr9TwEggdqSK4zH5gdh-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Fri, 08 Nov 2024 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Health Savings Accounts]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@erg-kc.com (Scott M. Dougan, RFC, Investment Adviser) ]]></author>                    <dc:creator><![CDATA[ Scott M. Dougan, RFC, Investment Adviser ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/qMsEr9TwEggdqSK4zH5gdh-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman works on her laptop in her living room.]]></media:description>                                                            <media:text><![CDATA[An older woman works on her laptop in her living room.]]></media:text>
                                <media:title type="plain"><![CDATA[An older woman works on her laptop in her living room.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/qMsEr9TwEggdqSK4zH5gdh-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ This Election, Your Financial Plans Should Focus on Taxes ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/this-election-focus-on-taxes-in-financial-plans</link>
                                                                            <description>
                            <![CDATA[ Don't let election drama tempt you into changing the makeup of your portfolio. The sensible move right now is to work out how to lower your future tax burden. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">pNK7HyJ7w8SHMmfxMLCSjU</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/t85iUUCxeSB6m6Dd6TD2w5-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Wed, 23 Oct 2024 09:40:00 +0000</pubDate>                                                                                                                                <updated>Wed, 23 Oct 2024 17:37:30 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Politics]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jared Elson, Investment Adviser ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/t85iUUCxeSB6m6Dd6TD2w5-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older man on a hike uses binoculars while holding a guide book.]]></media:description>                                                            <media:text><![CDATA[An older man on a hike uses binoculars while holding a guide book.]]></media:text>
                                <media:title type="plain"><![CDATA[An older man on a hike uses binoculars while holding a guide book.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/t85iUUCxeSB6m6Dd6TD2w5-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Has Your Dream Nest Egg Become a Tax Nightmare? What You Can Do About It ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/when-does-a-nest-egg-become-a-ticking-tax-bomb</link>
                                                                            <description>
                            <![CDATA[ Retirement savers with big bucks in traditional IRAs and pretax 401(k)s could face huge tax bills when their RMDs kick in. Here's a potential solution. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">TdSqLZ4oxsZCh7zzTTKg8c</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/NrXWJ9RJjWcoGJxGxPrur6-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 13 Oct 2024 09:40:08 +0000</pubDate>                                                                                                                                <updated>Wed, 11 Mar 2026 15:12:12 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ mbaker@canbyfinancial.com (Martin Baker, CFP®, CEPA®) ]]></author>                    <dc:creator><![CDATA[ Martin Baker, CFP®, CEPA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/NrXWJ9RJjWcoGJxGxPrur6-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman looks stressed as she looks at her laptop.]]></media:description>                                                            <media:text><![CDATA[An older woman looks stressed as she looks at her laptop.]]></media:text>
                                <media:title type="plain"><![CDATA[An older woman looks stressed as she looks at her laptop.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/NrXWJ9RJjWcoGJxGxPrur6-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Rattled by RMDs? Look No Further ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/rattled-by-rmds-what-to-know</link>
                                                                            <description>
                            <![CDATA[ The rules for required minimum distributions (RMDs) have changed in recent years, so here's what to know as the end of the year (and a tax deadline) approaches. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">pzAW39wVDfE3iGVEa2u6zD</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/fAESXMkZFuG6AWAvwjmMgb-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 21 Sep 2024 09:35:07 +0000</pubDate>                                                                                                                                <updated>Wed, 27 Aug 2025 20:38:00 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ pam@wealthramp.com (Pam Krueger) ]]></author>                    <dc:creator><![CDATA[ Pam Krueger ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/fAESXMkZFuG6AWAvwjmMgb-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A dog hides with only his paws and worried eyes showing.]]></media:description>                                                            <media:text><![CDATA[A dog hides with only his paws and worried eyes showing.]]></media:text>
                                <media:title type="plain"><![CDATA[A dog hides with only his paws and worried eyes showing.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/fAESXMkZFuG6AWAvwjmMgb-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Five December 31 Tax Deadlines for Retirees ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/end-of-year-tax-deadlines-for-retirees</link>
                                                                            <description>
                            <![CDATA[ The end of the year will be here before you know it, so it might be a good idea to start thinking soon about what you need to do for taxes before it arrives. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">r8JhRgHGkU7RVGWDR4wgD7</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/vbBA6CNCGMsXi3he6ECqRV-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Tue, 10 Sep 2024 09:40:48 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Tax Deadline]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Charity]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ EBeach@exit59advisory.com (Evan T. Beach, CFP®, AWMA®) ]]></author>                    <dc:creator><![CDATA[ Evan T. Beach, CFP®, AWMA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/vbBA6CNCGMsXi3he6ECqRV-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A retired couple look over tax paperwork together as tax deadlines approach.]]></media:description>                                                            <media:text><![CDATA[A retired couple look over tax paperwork together as tax deadlines approach.]]></media:text>
                                <media:title type="plain"><![CDATA[A retired couple look over tax paperwork together as tax deadlines approach.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/vbBA6CNCGMsXi3he6ECqRV-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Three Strategies to Cut Your Taxes in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/strategies-to-cut-your-taxes-in-retirement</link>
                                                                            <description>
                            <![CDATA[ All that money in your tax-deferred retirement accounts? Uncle Sam is going to want his cut, so here's how to prepare for that. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">VUbVsNBKBuNkiaA6Pj8viE</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/ifQuSYnZdGwUkaDp6ntgvf-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sat, 24 Aug 2024 09:30:34 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@efteam.us (Michael Miller) ]]></author>                    <dc:creator><![CDATA[ Michael Miller ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ifQuSYnZdGwUkaDp6ntgvf-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Scissors poised to cut into the word &quot;taxes&quot; on a wooden background.]]></media:description>                                                            <media:text><![CDATA[Scissors poised to cut into the word &quot;taxes&quot; on a wooden background.]]></media:text>
                                <media:title type="plain"><![CDATA[Scissors poised to cut into the word &quot;taxes&quot; on a wooden background.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/ifQuSYnZdGwUkaDp6ntgvf-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Don't Wait: Make Your Year-End Money Moves Now ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/make-your-year-end-money-moves-now</link>
                                                                            <description>
                            <![CDATA[ Now is a great time to minimize your upcoming tax bills, get your RMDs in order and make sure your investments are on track for a prosperous new year. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">my62LyRRXnYRCKGFLTCzrV</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/638TgomgziG7aBTnixiiRD-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 18 Aug 2024 09:30:56 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ info@retiremomentum.com (Nico Pesci) ]]></author>                    <dc:creator><![CDATA[ Nico Pesci ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/638TgomgziG7aBTnixiiRD-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A man makes a move on a chessboard, only his hand showing.]]></media:description>                                                            <media:text><![CDATA[A man makes a move on a chessboard, only his hand showing.]]></media:text>
                                <media:title type="plain"><![CDATA[A man makes a move on a chessboard, only his hand showing.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/638TgomgziG7aBTnixiiRD-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Three Key Facts to Know About Your RMDs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/rmds-key-facts-to-know</link>
                                                                            <description>
                            <![CDATA[ If any of your retirement savings are in a tax-deferred account, then you will face required minimum distributions (RMDs). Not having a strategy could prove costly. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">aEVQZGdCZcJQpGHyzg7E9K</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/V9vHizd7szHNy4dXVWmAqd-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Mon, 05 Aug 2024 09:40:51 +0000</pubDate>                                                                                                                                <updated>Thu, 15 Aug 2024 18:59:41 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ kevin@divechafinancial.com (Kevin Divecha, CRFA) ]]></author>                    <dc:creator><![CDATA[ Kevin Divecha, CRFA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/V9vHizd7szHNy4dXVWmAqd-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Three colorful wooden blocks with checkmarks on them against a blue background.]]></media:description>                                                            <media:text><![CDATA[Three colorful wooden blocks with checkmarks on them against a blue background.]]></media:text>
                                <media:title type="plain"><![CDATA[Three colorful wooden blocks with checkmarks on them against a blue background.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/V9vHizd7szHNy4dXVWmAqd-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ The Best Way to Defer RMDs (and Their Tax Bills): QLACs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/qlac-the-best-way-to-defer-rmds-and-their-tax-bills</link>
                                                                            <description>
                            <![CDATA[ Concerned about RMDs? Worried about outliving your retirement savings? A qualified longevity annuity contract defers some RMDs and guarantees lifetime income. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">35B2A3GEqN3jc8KTXGicwY</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/pF7R8mq9aXCeqbXtJFGtrF-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Wed, 29 May 2024 09:45:27 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@annuityadvantage.com (Ken Nuss) ]]></author>                    <dc:creator><![CDATA[ Ken Nuss ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/pF7R8mq9aXCeqbXtJFGtrF-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older man smiles as he looks at his phone while walking in a park.]]></media:description>                                                            <media:text><![CDATA[An older man smiles as he looks at his phone while walking in a park.]]></media:text>
                                <media:title type="plain"><![CDATA[An older man smiles as he looks at his phone while walking in a park.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/pF7R8mq9aXCeqbXtJFGtrF-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ These Are the Key Decisions You Need to Make for Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-key-decisions-to-make</link>
                                                                            <description>
                            <![CDATA[ These important issues are all connected and can affect your taxes, likely setting them at a certain level for the rest of your retirement. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">5Rj8JBDKHpxzgtyccYbimg</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/EnfH8xd2QYpuYVBn4QWjj7-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 26 May 2024 09:40:19 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ erik@bowmanfinancialstrategies.com (Erik Bowman, RICP, NSSA) ]]></author>                    <dc:creator><![CDATA[ Erik Bowman, RICP, NSSA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/EnfH8xd2QYpuYVBn4QWjj7-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older man examines a chessboard.]]></media:description>                                                            <media:text><![CDATA[An older man examines a chessboard.]]></media:text>
                                <media:title type="plain"><![CDATA[An older man examines a chessboard.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/EnfH8xd2QYpuYVBn4QWjj7-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ How to Optimize Your RMDs in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-to-optimize-rmds-in-retirement</link>
                                                                            <description>
                            <![CDATA[ No matter where you are in your financial journey, many options are available, including eliminating RMDs altogether through Roth conversions. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">ev9aLxtSxgzo3Kf8T7f259</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/TXxdyxY5CNW6Q53zSSoYxS-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Mon, 13 May 2024 09:40:30 +0000</pubDate>                                                                                                                                <updated>Tue, 28 May 2024 13:27:03 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Isaac Morris ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/TXxdyxY5CNW6Q53zSSoYxS-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[RMD written on a sticky note on top of paperwork next to two pens.]]></media:description>                                                            <media:text><![CDATA[RMD written on a sticky note on top of paperwork next to two pens.]]></media:text>
                                <media:title type="plain"><![CDATA[RMD written on a sticky note on top of paperwork next to two pens.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/TXxdyxY5CNW6Q53zSSoYxS-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ If You Have a Pension, Smart Tax Planning Should Start Now ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/pension-tax-planning-should-start-now</link>
                                                                            <description>
                            <![CDATA[ Adding pension income to Social Security benefits and income from required minimum distributions could see you facing a tax torpedo and higher Medicare costs. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">MfFcFx5WFKWm77LiU9DXm9</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/YcjzRDc2w745NDWdjHqfpf-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Fri, 03 May 2024 09:35:46 +0000</pubDate>                                                                                                                                <updated>Mon, 16 Mar 2026 14:41:45 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ info@peakretirementplanning.com (Joe F. Schmitz Jr., CFP®, ChFC®, CKA®) ]]></author>                    <dc:creator><![CDATA[ Joe F. Schmitz Jr., CFP®, ChFC®, CKA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YcjzRDc2w745NDWdjHqfpf-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman talks on the phone with her laptop open at the kitchen table.]]></media:description>                                                            <media:text><![CDATA[An older woman talks on the phone with her laptop open at the kitchen table.]]></media:text>
                                <media:title type="plain"><![CDATA[An older woman talks on the phone with her laptop open at the kitchen table.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/YcjzRDc2w745NDWdjHqfpf-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Do You Know How to Create a Reliable Retirement Paycheck? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-to-create-a-reliable-retirement-paycheck</link>
                                                                            <description>
                            <![CDATA[ Here are some do’s and don’ts (plus a never) for when it comes time to create your retirement income plan. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">aHeUtwsG3DfJrSZDUqDwXo</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/NKJi7UfSjXBsQX9c9jJPs9-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Thu, 04 Apr 2024 09:30:04 +0000</pubDate>                                                                                                                                <updated>Thu, 04 Apr 2024 19:35:58 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ tdiorio@ffgwealthmanagement.com (Thomas Diorio) ]]></author>                    <dc:creator><![CDATA[ Thomas Diorio ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/NKJi7UfSjXBsQX9c9jJPs9-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older man looks at some paperwork while sitting in front of his laptop at his kitchen table.]]></media:description>                                                            <media:text><![CDATA[An older man looks at some paperwork while sitting in front of his laptop at his kitchen table.]]></media:text>
                                <media:title type="plain"><![CDATA[An older man looks at some paperwork while sitting in front of his laptop at his kitchen table.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/NKJi7UfSjXBsQX9c9jJPs9-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ What to Do When You Have More Retirement Income Than You Need ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/more-retirement-income-than-you-need-what-to-do</link>
                                                                            <description>
                            <![CDATA[ These three options can help you allocate extra income in ways that don’t push you into a higher tax bracket or trigger extra taxes. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">BMZHaSLRQG6iGA3xGguthF</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/Q49voGTybwcLRijVH3p5Jc-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Thu, 14 Mar 2024 09:40:56 +0000</pubDate>                                                                                                                                <updated>Tue, 09 Apr 2024 17:24:08 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Charity]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Stephen B. Dunbar III, JD, CLU ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Q49voGTybwcLRijVH3p5Jc-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple drink coffee and laugh together at sunrise at a cabin.]]></media:description>                                                            <media:text><![CDATA[An older couple drink coffee and laugh together at sunrise at a cabin.]]></media:text>
                                <media:title type="plain"><![CDATA[An older couple drink coffee and laugh together at sunrise at a cabin.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/Q49voGTybwcLRijVH3p5Jc-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Retirement Tips for 2024 From Five Retirement Experts ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-tips-from-retirement-experts</link>
                                                                            <description>
                            <![CDATA[ From Rothifying IRAs to navigating changing tax laws, these fiduciary advisers share the recommendations they’re making to their clients this year. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">9zPyvoxTi4qzpTGCGB298Y</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/npyDW9BDvn6hfYD7eozVTf-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 21 Jan 2024 10:40:49 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ pam@wealthramp.com (Pam Krueger) ]]></author>                    <dc:creator><![CDATA[ Pam Krueger ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/npyDW9BDvn6hfYD7eozVTf-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A financial adviser smiles across her desk at her older clients. ]]></media:description>                                                            <media:text><![CDATA[A financial adviser smiles across her desk at her older clients. ]]></media:text>
                                <media:title type="plain"><![CDATA[A financial adviser smiles across her desk at her older clients. ]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/npyDW9BDvn6hfYD7eozVTf-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Do You Have at Least $1 Million in Tax-Deferred Investments? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/tax-planning-strategies-if-you-have-a-million-dollars</link>
                                                                            <description>
                            <![CDATA[ If the answer is yes, then this article is for you. Find out how you can keep more of that $1 million for yourself and away from Uncle Sam. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">ekut9L2U9ZuZiAionG3gpH</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/rANyHiSk5LsrTr7Mg4nuqf-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Tue, 02 Jan 2024 10:50:37 +0000</pubDate>                                                                                                                                <updated>Mon, 24 Mar 2025 20:06:45 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@peakretirementplanning.com (Joe F. Schmitz Jr., CFP®, ChFC®) ]]></author>                    <dc:creator><![CDATA[ Joe F. Schmitz Jr., CFP®, ChFC® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rANyHiSk5LsrTr7Mg4nuqf-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A man looks at his calculator on his desk and makes a &quot;why is that number so high?&quot; gesture.]]></media:description>                                                            <media:text><![CDATA[A man looks at his calculator on his desk and makes a &quot;why is that number so high?&quot; gesture.]]></media:text>
                                <media:title type="plain"><![CDATA[A man looks at his calculator on his desk and makes a &quot;why is that number so high?&quot; gesture.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/rANyHiSk5LsrTr7Mg4nuqf-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Three Ways You Can Cut the Tax Stress of RMDs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-to-cut-the-tax-stress-of-rmds</link>
                                                                            <description>
                            <![CDATA[ You have to take them, but there are strategies you can apply to prevent required minimum distributions (RMDs) from stressing you out in retirement. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">h7aAW26xXikHzNeahxUS8j</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/e3qAj5VbSbBMtHZGQGTFoi-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Thu, 21 Dec 2023 10:50:50 +0000</pubDate>                                                                                                                                <updated>Tue, 09 Apr 2024 17:23:58 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ rob@taxandinvestments.com (Robert A. Guy, RICP®) ]]></author>                    <dc:creator><![CDATA[ Robert A. Guy, RICP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/e3qAj5VbSbBMtHZGQGTFoi-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman looks happy as she meditates while sitting on her living room floor.]]></media:description>                                                            <media:text><![CDATA[An older woman looks happy as she meditates while sitting on her living room floor.]]></media:text>
                                <media:title type="plain"><![CDATA[An older woman looks happy as she meditates while sitting on her living room floor.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/e3qAj5VbSbBMtHZGQGTFoi-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Three Ways You Can Take Advantage of Extended RMD Ages ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/extended-rmd-ages-ways-to-take-advantage</link>
                                                                            <description>
                            <![CDATA[ The extra time, thanks to the SECURE 2.0 Act, can be used to plan Roth conversions, consider tax breaks like qualified charitable distributions (QCDs) and reduce taxable accounts sooner at lower tax rates. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">r3nnkjiseCSce64cGK67XA</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/ZHRMWYJxMQX9BhAbn8Dh65-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Thu, 14 Dec 2023 10:30:26 +0000</pubDate>                                                                                                                                <updated>Fri, 19 Jan 2024 14:36:48 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ retire@reapfinancial.com (Chris Heerlein, Investment Adviser Representative) ]]></author>                    <dc:creator><![CDATA[ Chris Heerlein, Investment Adviser Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ZHRMWYJxMQX9BhAbn8Dh65-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple talk with a financial adviser at their dining room table.]]></media:description>                                                            <media:text><![CDATA[An older couple talk with a financial adviser at their dining room table.]]></media:text>
                                <media:title type="plain"><![CDATA[An older couple talk with a financial adviser at their dining room table.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/ZHRMWYJxMQX9BhAbn8Dh65-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ What if You Don’t Need the Money From Your RMD? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/rmds-deadline-is-coming-what-if-you-dont-need-the-money</link>
                                                                            <description>
                            <![CDATA[ New rules affect the age when you have to take your RMDs and what the penalty is if you mess up. There are also options to delay or avoid taking them. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">nxV3t6PXGqdpCzxQZCzzRd</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/d8PUfE8pjtDFaG2uTmpPmK-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 10 Dec 2023 10:30:58 +0000</pubDate>                                                                                                                                <updated>Mon, 16 Jun 2025 15:49:02 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ EBeach@exit59advisory.com (Evan T. Beach, CFP®, AWMA®) ]]></author>                    <dc:creator><![CDATA[ Evan T. Beach, CFP®, AWMA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/d8PUfE8pjtDFaG2uTmpPmK-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Wooden blocks stacked on top of each other spell out RMD.]]></media:description>                                                            <media:text><![CDATA[Wooden blocks stacked on top of each other spell out RMD.]]></media:text>
                                <media:title type="plain"><![CDATA[Wooden blocks stacked on top of each other spell out RMD.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/d8PUfE8pjtDFaG2uTmpPmK-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ One Key Rule for Understanding 2023 RMDs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/one-key-rule-for-understanding-rmds</link>
                                                                            <description>
                            <![CDATA[ Required minimum distribution (RMD) rules can be confusing, but there is a guideline that can help. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">cF7oirF3MzYkbtzWrA6by</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/k9yyxHD53S8Pia4KobFZ3H-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 03 Dec 2023 15:01:00 +0000</pubDate>                                                                                                                                <updated>Thu, 28 Mar 2024 16:31:46 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kelley R. Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/k9yyxHD53S8Pia4KobFZ3H-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[gold antique skeleton key on white puzzle]]></media:description>                                                            <media:text><![CDATA[gold antique skeleton key on white puzzle]]></media:text>
                                <media:title type="plain"><![CDATA[gold antique skeleton key on white puzzle]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/k9yyxHD53S8Pia4KobFZ3H-1280-80.jpg" />
                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ Eight Year-End Financial Tasks to Check Off Your To-Do List ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/year-end-financial-tasks-to-do-now</link>
                                                                            <description>
                            <![CDATA[ The end of the year is already chockfull of important things to do, but don't let these seven fall through the cracks. You'll thank yourself in 2025. ]]>
                                                                                                            </description>
                                                                                                                                <guid isPermaLink="false">U9jpGMxT6xvYDUwfa67gp4</guid>
                                                                                                <enclosure url="https://cdn.mos.cms.futurecdn.net/bkMDRukB5qQdGWaKDChQb6-1280-80.jpg" type="image/jpeg" length="0"></enclosure>
                                                                        <pubDate>Sun, 19 Nov 2023 10:40:03 +0000</pubDate>                                                                                                                                <updated>Tue, 22 Oct 2024 18:39:20 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Charity]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ marketing@francisfinancial.com (Stacy Francis, CFP®, CDFA®, CES™) ]]></author>                    <dc:creator><![CDATA[ Stacy Francis, CFP®, CDFA®, CES™ ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bkMDRukB5qQdGWaKDChQb6-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A pen lies on top of a page in a spiral notebook that lists four boxes that have checkmarks in them.]]></media:description>                                                            <media:text><![CDATA[A pen lies on top of a page in a spiral notebook that lists four boxes that have checkmarks in them.]]></media:text>
                                <media:title type="plain"><![CDATA[A pen lies on top of a page in a spiral notebook that lists four boxes that have checkmarks in them.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/bkMDRukB5qQdGWaKDChQb6-1280-80.jpg" />
                                                                                        </item>
            </channel>
</rss>