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                            <title><![CDATA[ Latest from Kiplinger in Social-security ]]></title>
                <link>https://www.kiplinger.com/retirement/social-security</link>
        <description><![CDATA[ All the latest social-security content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Sun, 17 May 2026 09:40:00 +0000</lastBuildDate>
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                                                            <title><![CDATA[ 3 Ways to Potentially Avoid Falling Into a Tax Trap in Retirement, From a Financial Adviser ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-planning/retirement-tax-trap-how-to-avoid-it</link>
                                                                            <description>
                            <![CDATA[ You may think you'll pay less in taxes once you retire, but taxable withdrawals and Social Security can keep your tax bill as high as it was during your career. ]]>
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                                                                        <pubDate>Sun, 17 May 2026 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Charity]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ letstalk@safeharborwealthsc.com (Gary Knode, CF2) ]]></author>                    <dc:creator><![CDATA[ Gary Knode, CF2 ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/6cK3Vv6msS7sKR5AbtaE9o-1280-80.jpg">
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                                                            <title><![CDATA[ 2027 Social Security COLA Forecast Surges Amid Spike in Inflation ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/social-security-cola-2027</link>
                                                                            <description>
                            <![CDATA[ Driven by a recent spike in fuel and food prices, the 2027 Social Security COLA forecast has jumped to 3.9% — a significant increase over the 2026 raise of 2.8%. ]]>
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                                                                        <pubDate>Fri, 15 May 2026 22:42:37 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Ty8hv2PCYLWkLrkvV9zNC8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A Social Security card cut in half with the United States Capitol building on it.]]></media:description>                                                            <media:text><![CDATA[A Social Security card cut in half with the United States Capitol building on it.]]></media:text>
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                                                            <title><![CDATA[ Turning 65 This Year? Take Our 2-Minute Quiz And See If You're Ready For the Big Transition ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/turning-65-quiz-are-you-ready</link>
                                                                            <description>
                            <![CDATA[ Take our 10-question quiz to test your understanding of the critical milestones and decisions you'll encounter as you turn 65. ]]>
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                                                                        <pubDate>Wed, 13 May 2026 18:25:51 +0000</pubDate>                                                                                                                                <updated>Wed, 13 May 2026 18:28:35 +0000</updated>
                                                                                                                                            <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Xi54UTL6Vt2e6TrqCQ2jfX-1280-80.jpg">
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                                                            <title><![CDATA[ Why You Need to Start Your Social Security Claim 4 Months Early: 7 Steps to Prevent a Delay at the Worst Possible Moment ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/start-your-social-security-claim-early-to-prevent-a-delay</link>
                                                                            <description>
                            <![CDATA[ Even a perfect Social Security plan can fail if you hit a login wall, an ID check snag or a direct-deposit problem. Here's how to make sure that doesn't happen. ]]>
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                                                                        <pubDate>Mon, 11 May 2026 09:45:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ Ray@ClaimingExperts.com (Ray R. Harris, MBA, RSSA®) ]]></author>                    <dc:creator><![CDATA[ Ray R. Harris, MBA, RSSA® ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/HU9zBzGJpYvJPTHbWGXRn9-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An alarm clock stands in front of a Social Security card.]]></media:description>                                                            <media:text><![CDATA[An alarm clock stands in front of a Social Security card.]]></media:text>
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                                                            <title><![CDATA[ Quiz: Is Your 2026 Income Actually Taxable? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/is-your-2026-income-actually-taxable</link>
                                                                            <description>
                            <![CDATA[ Test your knowledge of IRS rules with our taxable income quiz. ]]>
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                                                                        <pubDate>Fri, 01 May 2026 13:07:00 +0000</pubDate>                                                                                                                                <updated>Wed, 06 May 2026 13:03:31 +0000</updated>
                                                                                                                                            <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kate Schubel ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bgKonkWdEJfajWe8fRAPeJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Words that say &quot;taxable income&quot; in a notebook on the background of a calculator, graph, and a pen]]></media:description>                                                            <media:text><![CDATA[Words that say &quot;taxable income&quot; in a notebook on the background of a calculator, graph, and a pen]]></media:text>
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                                                            <title><![CDATA[ The 'Wait-to-Win' Rule of Retirement Spending  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/the-wait-to-win-rule-of-retirement-spending</link>
                                                                            <description>
                            <![CDATA[ How trading your savings today will give you a permanent raise tomorrow. ]]>
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                                                                        <pubDate>Thu, 30 Apr 2026 10:05:00 +0000</pubDate>                                                                                                                                <updated>Wed, 06 May 2026 22:52:05 +0000</updated>
                                                                                                                                            <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author>                    <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/us8CWVyZxMpuPaYnk8VDeQ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Cheerful mature couple sitting on sofa at home]]></media:description>                                                            <media:text><![CDATA[Cheerful mature couple sitting on sofa at home]]></media:text>
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                                                            <title><![CDATA[ What's the Best Age to Take Social Security? 3 Questions Advisers Should Ask  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/best-age-to-take-social-security-questions-advisers-should-ask</link>
                                                                            <description>
                            <![CDATA[ The Social Security decision should reflect how clients want to spend, withdraw from wealth and experience retirement. Here's how advisers can find that out. ]]>
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                                                                        <pubDate>Wed, 15 Apr 2026 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ matthew.sommer@janus.com (Matthew Sommer, PhD, CFA®) ]]></author>                    <dc:creator><![CDATA[ Matthew Sommer, PhD, CFA® ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/RyfaG7HsiUeHeMTuH6rBvX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Cheerful older couple meeting a financial adviser in their home]]></media:description>                                                            <media:text><![CDATA[Cheerful older couple meeting a financial adviser in their home]]></media:text>
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                                                            <title><![CDATA[ Retirement Mistakes My Boomer Parents Made That I'll Avoid ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/retirement-mistakes-my-boomer-parents-made-that-ill-avoid</link>
                                                                            <description>
                            <![CDATA[ We inherit many traits from our parents, but these retirement mistakes don’t have to be among them. Gen Xers and Millennials can thrive in retirement. ]]>
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                                                                        <pubDate>Thu, 09 Apr 2026 10:05:00 +0000</pubDate>                                                                                                                                <updated>Thu, 09 Apr 2026 18:18:18 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ jacobsschroeder@gmail.com (Jacob Schroeder) ]]></author>                    <dc:creator><![CDATA[ Jacob Schroeder ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/x7u6fcriB2NMCpeVNg8CvA-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Mature man and woman visiting their son on the weekend, cutting fresh basil from the plant and garnishing home made meal, crockery on kitchen island.]]></media:description>                                                            <media:text><![CDATA[Mature man and woman visiting their son on the weekend, cutting fresh basil from the plant and garnishing home made meal, crockery on kitchen island.]]></media:text>
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                                                            <title><![CDATA[ We're 59 and Retired With $5.3 Million. We Want to Spend $250,000 a Year Until Medicare and Social Security Start. Are We Nuts? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/were-59-and-retired-with-usd5-3-million-we-want-to-spend-usd250-000-a-year-until-medicare-and-social-security-start</link>
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                            <![CDATA[ We are retired and want to spend $250,000 a year, but once Medicare and Social Security start, we'll need less. Are we nuts? ]]>
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                                                                        <pubDate>Wed, 08 Apr 2026 10:05:00 +0000</pubDate>                                                                                                                                <updated>Wed, 08 Apr 2026 21:58:10 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/w7uatXfZPi3fX3xANazLrK-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[St Mark&#039;s Basilica, St Mark&#039;s Square, Venice, Italy.]]></media:description>                                                            <media:text><![CDATA[St Mark&#039;s Basilica, St Mark&#039;s Square, Venice, Italy.]]></media:text>
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                                                            <title><![CDATA[ Claiming Social Security Soon? 5 Smart Moves to Make Before You File ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/claiming-social-security-soon-smart-moves-before-filing</link>
                                                                            <description>
                            <![CDATA[ Claiming Social Security is a lifelong decision, and poor choices can cost the average couple more than $180,000. Complete these tasks to avoid a big mistake. ]]>
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                                                                        <pubDate>Sat, 04 Apr 2026 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></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/Crzb2eJ5BCKZsq8sphkPjY-1280-80.jpg">
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                                                            <title><![CDATA[ Don't Let Low Tax Rates Lull You Into the Torpedo Zone: If You Have $1M to $3M in Tax-Deferred Savings, You Could Be Looking at Brutal Tax Bills in the Future ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-planning/dont-let-low-tax-rates-lull-you-into-the-tax-torpedo-zone</link>
                                                                            <description>
                            <![CDATA[ The Social Security provisional income threshold can create a "tax torpedo" for disciplined savers, raising your effective marginal tax rate to 40.7% or more. ]]>
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                                                                        <pubDate>Wed, 01 Apr 2026 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ Ray@ClaimingExperts.com (Ray R. Harris, MBA, RSSA®) ]]></author>                    <dc:creator><![CDATA[ Ray R. Harris, MBA, RSSA® ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/yyLDxFeEtXnDHouyvsUPa9-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple look shocked as they work on paperwork together at their dining room table.]]></media:description>                                                            <media:text><![CDATA[An older couple look shocked as they work on paperwork together at their dining room table.]]></media:text>
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                                                            <title><![CDATA[ The Two-Lifetime Challenge: How to Fund Your Retirement and Theirs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/the-two-lifetime-challenge-how-to-fund-your-retirement-and-theirs</link>
                                                                            <description>
                            <![CDATA[ When you have a child with a disability, your money has to last twice as long. Here is the blueprint for a century of financial security. ]]>
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                                                                        <pubDate>Mon, 30 Mar 2026 09:55:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jaclyn Greenberg ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/how-to-make-your-money-last-for-decades-aVJtadhb97YoBunGS7FwyN-1280-80.jpg">
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                                                            <title><![CDATA[ I'm a Wealth Adviser: This Social Security Claiming Mistake Can Hurt Women the Most ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/the-social-security-claiming-mistake-women-make</link>
                                                                            <description>
                            <![CDATA[ Women should personalize their Social Security claiming strategy and run the numbers after considering life expectancy, tax situation and existing assets. ]]>
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                                                                        <pubDate>Fri, 27 Mar 2026 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ camille@monolithfinancial.com (Camille Butterfield) ]]></author>                    <dc:creator><![CDATA[ Camille Butterfield ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/QBeKYfX8E8CivFVgEamjXo-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Woman&#039;s hand holding Social Security card]]></media:description>                                                            <media:text><![CDATA[Woman&#039;s hand holding Social Security card]]></media:text>
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                                                            <title><![CDATA[ Quiz: Can You Hit 'Reset' on Your Social Security Check?   ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/quiz-can-you-hit-reset-on-your-social-security-check</link>
                                                                            <description>
                            <![CDATA[ Whether you're looking for a total "do-over" or just a temporary "pause," this quick quiz reveals exactly what is — and isn't — possible. ]]>
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                                                                        <pubDate>Mon, 23 Mar 2026 19:07:09 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/cvdYsp74tB9km55UYb6GqQ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Red emergency stop and reset button.]]></media:description>                                                            <media:text><![CDATA[Red emergency stop and reset button.]]></media:text>
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                                                            <title><![CDATA[ Claiming Social Security: 7 Tools and Rules for DIY Investors ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/claiming-social-security-tools-and-rules-for-diy-investors</link>
                                                                            <description>
                            <![CDATA[ Deciding when to claim Social Security is tricky — and the wrong decision can be costly. DIY investors shouldn't leap in without these tools and rules. ]]>
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                                                                        <pubDate>Sat, 14 Mar 2026 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ vbirardi@halberthargrove.com (Vincent Birardi, CFP®, AIF®, MBA) ]]></author>                    <dc:creator><![CDATA[ Vincent Birardi, CFP®, AIF®, MBA ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/dnE8dMVBh8Ry3CHGC6tfXD-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Close up of Social Security cards]]></media:description>                                                            <media:text><![CDATA[Close up of Social Security cards]]></media:text>
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                                                            <title><![CDATA[ Social Security Family Maximum Benefits: Are You Eligible and How Much Can You Receive? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/social-security-family-maximum-benefits-are-you-eligible</link>
                                                                            <description>
                            <![CDATA[ Thanks to the family maximum benefit, when a retiree starts collecting Social Security, certain family members may also receive support. Here's a complete guide. ]]>
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                                                                        <pubDate>Fri, 06 Mar 2026 10:45:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ mshedden@rssa.com (Martha Shedden, CRPC®, RSSA®) ]]></author>                    <dc:creator><![CDATA[ Martha Shedden, CRPC®, RSSA® ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/tizn4Q26FM4Ko5dYzeG2RF-1280-80.jpg">
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                                                            <title><![CDATA[ Safe or Seizable?: The IRA & Bankruptcy Protection Quiz ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/safe-or-seizable-the-ira-and-bankruptcy-protection-quiz</link>
                                                                            <description>
                            <![CDATA[ Depending on the type of IRA you own and/or how you inherited it, your "safe" money might actually be on the table for creditors. ]]>
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                                                                        <pubDate>Tue, 03 Mar 2026 18:36:43 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Simplified Employee Pension (SEP) IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></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/6St3zBTgZtGwRf4KbE8E4d-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Yellow warning tapes with confiscation text isolated on white background. Labelled as confiscated. Estate, possession or property seize. Restricted area. Stock vector illustration]]></media:description>                                                            <media:text><![CDATA[Yellow warning tapes with confiscation text isolated on white background. Labelled as confiscated. Estate, possession or property seize. Restricted area. Stock vector illustration]]></media:text>
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                                                            <title><![CDATA[ Quiz: Do You Know How to Maximize Your Social Security Check? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/quiz-do-you-know-how-to-maximize-your-social-security-check</link>
                                                                            <description>
                            <![CDATA[ Test your knowledge of Social Security delayed retirement credits with our quick quiz. ]]>
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                                                                        <pubDate>Tue, 24 Feb 2026 19:05:27 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                                                                <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/w6am8gA2pCbAZzM6jrD3F4-1280-80.png">
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                                                            <title><![CDATA[ How One Extra Dollar of Income Can Cost You Thousands in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/one-extra-dollar-of-income-can-cost-you-thousands-in-retirement</link>
                                                                            <description>
                            <![CDATA[ Even modest changes in retirement income can raise Medicare premiums under IRMAA. Here’s how a small increase can affect your retirement costs. ]]>
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                                                                        <pubDate>Sun, 22 Feb 2026 15:07:00 +0000</pubDate>                                                                                                                                <updated>Tue, 24 Feb 2026 16:39:46 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Chrissy Paradis ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ih6JPh5tvEzgyVZiEoEF43-1280-80.jpg">
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                                                            <title><![CDATA[ Quiz: Do You Know How to Avoid the 'Medigap Trap?' ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/quiz-do-you-know-how-to-avoid-the-medigap-trap</link>
                                                                            <description>
                            <![CDATA[ Test your basic knowledge of the "Medigap Trap" in our quick quiz. ]]>
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                                                                        <pubDate>Wed, 18 Feb 2026 15:30:00 +0000</pubDate>                                                                                                                                <updated>Wed, 18 Feb 2026 17:52:18 +0000</updated>
                                                                                                                                            <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                                                                <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/w6am8gA2pCbAZzM6jrD3F4-1280-80.png">
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                                                            <title><![CDATA[ Social Security Break-Even Math Is Helpful, But Don't Let It Dictate When You'll File ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/using-social-security-break-even-math-can-be-risky</link>
                                                                            <description>
                            <![CDATA[ Your Social Security break-even age tells you how long you'd need to live for delaying to pay off, but shouldn't be the sole basis for deciding when to claim. ]]>
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                                                                        <pubDate>Wed, 18 Feb 2026 10:40:00 +0000</pubDate>                                                                                                                                <updated>Thu, 19 Feb 2026 19:30:46 +0000</updated>
                                                                                                                                            <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ kyle@mokanwealth.com (Kyle Hammerschmidt, Investment Adviser) ]]></author>                    <dc:creator><![CDATA[ Kyle Hammerschmidt, Investment Adviser ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/oeboJwmCeTmFLJyYFEHWXN-1280-80.jpg">
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                                                            <title><![CDATA[ Why 'Locking' Your Social Security Number Is the New Credit Freeze ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/why-locking-your-social-security-number-is-the-new-credit-freeze</link>
                                                                            <description>
                            <![CDATA[ Here is how to keep your Social Security number private in an age of aggressive cybercriminals. ]]>
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                                                                        <pubDate>Thu, 12 Feb 2026 11:15:00 +0000</pubDate>                                                                                                                                <updated>Thu, 12 Feb 2026 13:22:50 +0000</updated>
                                                                                                                                            <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/534P99HRHp5mqWQosWD6ZP-1280-80.jpg">
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                                                            <title><![CDATA[ New Bill Would Eliminate Taxes on Restored Social Security Benefits ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/the-plan-to-end-taxes-on-social-security-back-pay</link>
                                                                            <description>
                            <![CDATA[ Taxes on Social Security benefits are stirring debate again, as recent changes could affect how some retirees file their returns this tax season. ]]>
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                                                                        <pubDate>Tue, 10 Feb 2026 15:07:00 +0000</pubDate>                                                                                                                                <updated>Fri, 20 Feb 2026 00:19:01 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kelley R. Taylor ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Vxwqj7C2byfX9JhtJ5gUDC-1280-80.jpg">
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                                                            <title><![CDATA[ Oval Office Legacies: The Social Security History Quiz ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/oval-office-legacies-the-social-security-history-quiz</link>
                                                                            <description>
                            <![CDATA[ Test your knowledge of the historical development of Social Security under various U.S. presidents from Roosevelt to Trump. ]]>
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                                                                        <pubDate>Tue, 10 Feb 2026 15:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                                                                <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/w6am8gA2pCbAZzM6jrD3F4-1280-80.png">
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                                                            <title><![CDATA[ I'm a Financial Adviser: This Is the $300,000 Social Security Decision Many People Get Wrong ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/social-security-decision-many-people-get-wrong</link>
                                                                            <description>
                            <![CDATA[ Deciding when to claim Social Security is a complex, high-stakes decision that shouldn't be based on fear or simple break-even math. ]]>
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                                                                        <pubDate>Sun, 01 Feb 2026 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ brian@safehavenwealthmgmt.com (Brian Teets, IAR, MBA) ]]></author>                    <dc:creator><![CDATA[ Brian Teets, IAR, MBA ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/eyTQJShJ3YaHdCPXuvUH5H-1280-80.jpg">
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                                                            <title><![CDATA[ Filed for Social Security Too Soon? 2 Ways to Get a Do-Over ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/filed-for-social-security-too-soon-how-to-get-a-do-over</link>
                                                                            <description>
                            <![CDATA[ If you've claimed Social Security too soon, two SSA rules allow a do-over. But be warned: Using them clumsily can lead to surprise repayments or lost benefits. ]]>
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                                                                        <pubDate>Sat, 31 Jan 2026 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ mshedden@rssa.com (Martha Shedden, CRPC®, RSSA®) ]]></author>                    <dc:creator><![CDATA[ Martha Shedden, CRPC®, RSSA® ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WGPVxNQq6g8ZZy8qybBjfG-1280-80.jpg">
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                                                            <title><![CDATA[ Ask the Editor, January 30: Questions on Social Security Benefits Taxation ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/ask-the-editor-january-30-questions-on-social-security-benefits-taxation</link>
                                                                            <description>
                            <![CDATA[ In this week's Ask the Editor Q&A, Joy Taylor answers questions on the taxation of Social Security benefits ]]>
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                                                                        <pubDate>Fri, 30 Jan 2026 12:50:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Income Tax]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/fkh2ji7zo5caeqE7y8EdwE-1280-80.jpg">
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                                                            <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. ]]>
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                                                                        <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">
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                                                            <title><![CDATA[ 3 Retirement Changes to Watch in 2026: Tax Edition ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/retirement-changes-to-watch-tax-edition</link>
                                                                            <description>
                            <![CDATA[ Between the Social Security "senior bonus" phaseout and changes to Roth tax rules, your 2026 retirement plan may need an update. Here's what to know. ]]>
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                                                                        <pubDate>Sun, 25 Jan 2026 15:17:00 +0000</pubDate>                                                                                                                                <updated>Thu, 29 Jan 2026 15:41:49 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kate Schubel ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/RB2wqHk2gushTYb7YuPYWS-1280-80.jpg">
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                                                            <title><![CDATA[ Are You and Your Financial Adviser in Sync on Social Security? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/social-security-are-you-and-your-adviser-in-sync</link>
                                                                            <description>
                            <![CDATA[ Deciding when to claim Social Security is tricky if you and your adviser haven't thoroughly covered the topic. Here's how to ensure you're on the right track. ]]>
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                                                                        <pubDate>Thu, 22 Jan 2026 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Myles J. McHale, Jr. AIF®, CRPP® ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/3nTT7LYRLmiRZd2gjQ5g6E-1280-80.jpg">
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                                                            <title><![CDATA[ Is Your Retirement Plan Based on Social Security Fact or Fiction? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/retirement-plan-based-on-social-security-fact-or-fiction</link>
                                                                            <description>
                            <![CDATA[ One in two Americans don't know much about Social Security — and some are basing their retirement on mistaken beliefs. It's time to separate fact from fiction. ]]>
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                                                                        <pubDate>Sun, 18 Jan 2026 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kelly LaVigne, J.D. ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/SQhV6BRdeqgKsoKoT9YbTK-1280-80.jpg">
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                                                            <title><![CDATA[ Strategies for Women to Maximize Social Security Benefits ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/strategies-for-women-to-maximize-social-security-benefits</link>
                                                                            <description>
                            <![CDATA[ Women often are paid less than men and live longer, so it's critical that they know their Social Security options to ensure they claim what they're entitled to. ]]>
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                                                                        <pubDate>Wed, 07 Jan 2026 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ ash@oneteamfinancial.com (Ash Ahluwalia, CFP®, MBA, NSSA) ]]></author>                    <dc:creator><![CDATA[ Ash Ahluwalia, CFP®, MBA, NSSA ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/2KrM5TLFqWbegE75s99CEH-1280-80.jpg">
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                                                            <title><![CDATA[ States That Tax Social Security Benefits in 2026 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/states-that-tax-social-security-benefits</link>
                                                                            <description>
                            <![CDATA[ Not all retirees who live in states that tax Social Security benefits have to pay state income taxes. Will your benefits be taxed? ]]>
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                                                                        <pubDate>Tue, 06 Jan 2026 15:17:00 +0000</pubDate>                                                                                                                                <updated>Tue, 21 Apr 2026 14:01:38 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[State Tax]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kate Schubel ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WoRmDVFvhoTFpw25bk9bNP-1280-80.jpg">
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                                                            <title><![CDATA[ How to Plan for Social Security in 2026's Changing Landscape, From a Financial Professional ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/how-to-plan-for-social-security-changes</link>
                                                                            <description>
                            <![CDATA[ Not understanding how the upcoming changes in 2026 might affect you could put your financial security in retirement at risk. This is what you need to know. ]]>
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                                                                        <pubDate>Sun, 04 Jan 2026 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@5280rg.com (Michael Knox) ]]></author>                    <dc:creator><![CDATA[ Michael Knox ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/BVPtaSh2SgRhx98567LwxS-1280-80.jpg">
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                                                            <title><![CDATA[ High-Net-Worth Retirees: Don't Overlook These Benefits of Social Security ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/high-net-worth-retirees-benefits-of-social-security</link>
                                                                            <description>
                            <![CDATA[ Wealthy retirees often overlook Social Security. But timed properly, it can drive tax efficiency, keep Medicare costs in check and strengthen your legacy. ]]>
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                                                                        <pubDate>Fri, 02 Jan 2026 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ rcsmith@rcswealth.com (Robert Smith) ]]></author>                    <dc:creator><![CDATA[ Robert Smith ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/3vpoMpPnj4jCYCqsbuiYSk-1280-80.jpg">
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                                                            <title><![CDATA[ I'm an Annuities Pro: This Is How You Can Cover the Income Gap While Your Social Security Benefits Grow ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/annuities/cover-the-income-gap-while-social-security-benefits-grow</link>
                                                                            <description>
                            <![CDATA[ Taking Social Security later results in higher future income, but that can create an income gap. Annuities can boost income until you file for benefits. ]]>
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                                                                        <pubDate>Wed, 31 Dec 2025 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Annuities]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></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/FyyX4sH4WFBeTXQyQxEhLe-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A rope bridge strung between two cliffs. ]]></media:description>                                                            <media:text><![CDATA[A rope bridge strung between two cliffs. ]]></media:text>
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                                                            <title><![CDATA[ I'm a Financial Adviser: This Is How You Can Adapt to Social Security Uncertainty ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/how-to-adapt-to-social-security-uncertainty</link>
                                                                            <description>
                            <![CDATA[ Rather than letting the unknowns make you anxious, focus on building a flexible income strategy that can adapt to possible future Social Security changes. ]]>
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                                                                        <pubDate>Sun, 14 Dec 2025 10:30:00 +0000</pubDate>                                                                                                                                <updated>Tue, 16 Dec 2025 21:47:42 +0000</updated>
                                                                                                                                            <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ will@richlifeadvisors.com (Will South, NSSA®, CFP®) ]]></author>                    <dc:creator><![CDATA[ Will South, NSSA®, CFP® ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/RT8RvvizqVDXnMCmFqTjMd-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple work on financial planning together at their kitchen table.]]></media:description>                                                            <media:text><![CDATA[An older couple work on financial planning together at their kitchen table.]]></media:text>
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                                                            <title><![CDATA[ Social Security Benefits Quiz : Do You Know the IRS Tax Rules? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/quiz-do-you-really-know-how-social-security-benefits-are-taxed</link>
                                                                            <description>
                            <![CDATA[ Social Security benefits often come with confusing IRS tax rules that can trip up financially savvy retirees and near-retirees. ]]>
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                                                                        <pubDate>Tue, 02 Dec 2025 15:16:00 +0000</pubDate>                                                                                                                                <updated>Thu, 04 Dec 2025 19:46:44 +0000</updated>
                                                                                                                                            <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kelley R. Taylor ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/iNDu7tsTjpoeuWoBSXUhpb-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[ Concept words Social security on wooden blocks.]]></media:description>                                                            <media:text><![CDATA[ Concept words Social security on wooden blocks.]]></media:text>
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                                                            <title><![CDATA[ Are You Ready for 65? The Medicare Initial Enrollment Period Quiz ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/are-you-ready-for-65-the-medicare-initial-enrollment-period-quiz</link>
                                                                            <description>
                            <![CDATA[ Turning 65 soon? Test your basic knowledge of Medicare's Initial Enrollment Period (IEP) rules in our quick quiz. ]]>
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                                                                        <pubDate>Tue, 02 Dec 2025 15:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 02 Dec 2025 18:32:58 +0000</updated>
                                                                                                                                            <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                                                                <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/w6am8gA2pCbAZzM6jrD3F4-1280-80.png">
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                                                            <title><![CDATA[ 3 Ways to Stretch the 2026 Social Security COLA For Your Budget ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/ways-to-stretch-the-2026-social-security-cola-for-your-budget</link>
                                                                            <description>
                            <![CDATA[ Three steps retirees can take to stretch the Social Security COLA to fit their budgets. ]]>
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                                                                        <pubDate>Tue, 02 Dec 2025 11:26:00 +0000</pubDate>                                                                                                                                <updated>Thu, 04 Dec 2025 21:36:13 +0000</updated>
                                                                                                                                            <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Beth Braverman ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/hGcnhmNCLQpp6PNyWPvAVa-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Senior couple sitting at the kitchen table with croissant and cups of tea, looking at digital tablet and recalculating their expenses.]]></media:description>                                                            <media:text><![CDATA[Senior couple sitting at the kitchen table with croissant and cups of tea, looking at digital tablet and recalculating their expenses.]]></media:text>
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                                                            <title><![CDATA[ Quiz: Test Your IRA Contribution IQ ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/quiz-test-your-ira-contribution-iq</link>
                                                                            <description>
                            <![CDATA[ Test your basic knowledge of traditional and Roth contribution rules in our quick quiz. ]]>
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                                                                        <pubDate>Tue, 25 Nov 2025 15:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Simplified Employee Pension (SEP) IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                                                                <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/w6am8gA2pCbAZzM6jrD3F4-1280-80.png">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Kiplinger Puzzles Quiz Color Background]]></media:description>                                                            <media:text><![CDATA[Kiplinger Puzzles Quiz Color Background]]></media:text>
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                                                            <title><![CDATA[ Still Working While Receiving Social Security? A Financial Adviser's Guide to the Earnings Test ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/expert-guide-to-the-social-security-earnings-test</link>
                                                                            <description>
                            <![CDATA[ If you haven't reached your full retirement age yet, your Social Security check could take a hit, depending on how much you earn. ]]>
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                                                                        <pubDate>Thu, 20 Nov 2025 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ mshedden@rssa.com (Martha Shedden, CRPC®) ]]></author>                    <dc:creator><![CDATA[ Martha Shedden, CRPC® ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/PD6CEDJYEUr92WNnmRjF9m-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman who is an architect works on a project in an office.]]></media:description>                                                            <media:text><![CDATA[An older woman who is an architect works on a project in an office.]]></media:text>
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                                                            <title><![CDATA[ I'm an Investment Adviser: This Is the Retirement Phase Nobody Talks About ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/the-retirement-phase-nobody-talks-about</link>
                                                                            <description>
                            <![CDATA[ What you do in the five years before retirement and the first 10 afterward can establish how comfortable you'll be for the rest of your life. ]]>
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                                                                        <pubDate>Sun, 16 Nov 2025 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Medicare]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                <author><![CDATA[ kyle@mokanwealth.com (Kyle Hammerschmidt, Investment Adviser) ]]></author>                    <dc:creator><![CDATA[ Kyle Hammerschmidt, Investment Adviser ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ZN2bwyj9GPqBSDiib3Re3k-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A wooden sphere in the center of intersecting rings against a green background.]]></media:description>                                                            <media:text><![CDATA[A wooden sphere in the center of intersecting rings against a green background.]]></media:text>
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                                                            <title><![CDATA[ Is Fear That Social Security Will Run Out of Money Hurting You? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/is-fear-about-social-security-shortfall-hurting-you</link>
                                                                            <description>
                            <![CDATA[ Bipartisan collaboration on a mix of reforms will likely be needed to keep the system solvent and benefits intact. ]]>
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                                                                        <pubDate>Sat, 15 Nov 2025 11:00:00 +0000</pubDate>                                                                                                                                <updated>Sun, 16 Nov 2025 05:13:22 +0000</updated>
                                                                                                                                            <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Richard Eisenberg ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/mcAPkRLwSFYGQdLr7LyoGC-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Capitol Building with an hourglass in the foreground and a Social Security card trapped inside]]></media:description>                                                            <media:text><![CDATA[Capitol Building with an hourglass in the foreground and a Social Security card trapped inside]]></media:text>
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                                                            <title><![CDATA[ HSAs and Medicare: The Eligibility Quiz ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/hsa-and-medicare-the-eligibility-quiz</link>
                                                                            <description>
                            <![CDATA[ Test your basic knowledge of HSA accounts and Medicare in our quick quiz. ]]>
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                                                                        <pubDate>Wed, 12 Nov 2025 20:17:24 +0000</pubDate>                                                                                                                                <updated>Thu, 13 Nov 2025 13:51:37 +0000</updated>
                                                                                                                                            <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/GHuCKkKBfCnRWW2wDT5Ev-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Road sign with text - true and false - on white background represents dilemma concept, three-dimensional rendering, 3D illustration]]></media:description>                                                            <media:text><![CDATA[Road sign with text - true and false - on white background represents dilemma concept, three-dimensional rendering, 3D illustration]]></media:text>
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                                                            <title><![CDATA[ What You Learn Becoming Your Mother's Financial Caregiver ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/estate-planning/what-you-learn-becoming-your-mothers-financial-caregiver</link>
                                                                            <description>
                            <![CDATA[ Writer and certified financial planner Beth Pinsker talks to Kiplinger about caring for her mother and her new book. ]]>
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                                                                        <pubDate>Sun, 02 Nov 2025 14:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Cameron Huddleston ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/F6cEPhWNhH69SAMcgSrdmi-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman hugs her mother. ]]></media:description>                                                            <media:text><![CDATA[A woman hugs her mother. ]]></media:text>
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                                                            <title><![CDATA[ The Social Security Earnings Test: Know This Rule Before Working in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/social-security-earnings-test-explainer</link>
                                                                            <description>
                            <![CDATA[ When you work and collect Social Security benefits before your FRA, you are subject to the Retirement Earning Test that could result in a temporary reduction of your benefits. ]]>
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                                                                        <pubDate>Wed, 29 Oct 2025 16:59:58 +0000</pubDate>                                                                                                                                <updated>Mon, 09 Mar 2026 20:37:28 +0000</updated>
                                                                                                                                            <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[salaries]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                                                                <media:content type="image/webp" url="https://cdn.mos.cms.futurecdn.net/ve9yvikJLdDQ6qKFHb7E2h-1280-80.webp">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Older and younger office staff meet up. ]]></media:description>                                                            <media:text><![CDATA[Older and younger office staff meet up. ]]></media:text>
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                                                            <title><![CDATA[ Social Security Tax Limit Rises Again: Who Pays More in 2026? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/social-security-tax-wage-base-increase</link>
                                                                            <description>
                            <![CDATA[ The Social Security Administration has announced significant changes affecting millions as we approach a new year. ]]>
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                                                                        <pubDate>Tue, 28 Oct 2025 14:07:00 +0000</pubDate>                                                                                                                                <updated>Thu, 30 Oct 2025 03:33:56 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Income Tax]]></category>
                                                    <category><![CDATA[Taxable Income]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kelley R. Taylor ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/L7e6dUj7HxiRwmJtBeRKUC-1280-80.jpg">
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                                                            <title><![CDATA[ Quiz: Do You Understand the Social Security Earnings Test? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/quiz-how-well-do-you-understand-the-social-security-earnings-test</link>
                                                                            <description>
                            <![CDATA[ Take this quick quiz to test your knowledge of the Social Security earnings test and avoid being surprised by a smaller check than you expect. ]]>
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                                                                        <pubDate>Tue, 28 Oct 2025 13:15:00 +0000</pubDate>                                                                                                                                <updated>Mon, 23 Mar 2026 19:18:46 +0000</updated>
                                                                                                                                            <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/chYWejve9NWV8sabtvQrYm-1280-80.jpg">
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                                                            <title><![CDATA[ Social Security Wisdom From a Financial Adviser Receiving Benefits Himself ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/social-security-wisdom-from-a-financial-adviser-receiving-benefits</link>
                                                                            <description>
                            <![CDATA[ You don't know what you don't know, and with Social Security, that can be a costly problem for retirees — one that can last a lifetime. ]]>
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                                                                        <pubDate>Sat, 25 Oct 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ johnny@gpstrak.us (Johnny Rosier, NSSA®, CFF®, FRC) ]]></author>                    <dc:creator><![CDATA[ Johnny Rosier, NSSA®, CFF®, FRC ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/JmJ74sYbNBweC4rnjNQkHN-1280-80.jpg">
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