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                    <title><![CDATA[ Latest from Kiplinger in Traditional-ira ]]></title>
                <link>https://www.kiplinger.com/retirement/retirement-plans/traditional-ira</link>
        <description><![CDATA[ All the latest traditional-ira content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Thu, 12 Mar 2026 09:30:00 +0000</lastBuildDate>
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                                <item>
                                                            <title><![CDATA[ How Alternative Assets Are Reshaping the IRA: The Rise of Self-Directed Retirement Investing ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-plans/alternative-assets-impact-on-self-directed-iras</link>
                                                                            <description>
                            <![CDATA[ Investors are exploring self-directed IRAs where they can hold traditional and alternative investments in one account. ]]>
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                                                                        <pubDate>Thu, 12 Mar 2026 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Adam Bergman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/u9B2JbY9RyGYHriGJeMj99-1280-80.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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                                                            <title><![CDATA[ The $3,000 Retirement Mistake Millions Make Each Year (And How to Avoid It) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/the-retirement-mistake-millions-make-each-year</link>
                                                                            <description>
                            <![CDATA[ A little oversight or automation can keep money in your pocket. ]]>
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                                                                        <pubDate>Mon, 26 Jan 2026 18:36:45 +0000</pubDate>                                                                                                                                <updated>Mon, 26 Jan 2026 18:42:30 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author>                    <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/R6mtB72c6yskzhgh2Rt2tR-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Happy older couple]]></media:description>                                                            <media:text><![CDATA[Happy older couple]]></media:text>
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                                                            <title><![CDATA[ I'm Retiring at 67 With $2.6 Million, Most of Which Is in a Traditional IRA. I'm Worried About RMDs and Taxes. What Should I Do? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/required-minimum-distributions-rmds/im-retiring-at-67-with-usd2-6-million-most-of-which-is-in-a-traditional-ira-im-worried-about-rmds-and-taxes-what-should-i-do</link>
                                                                            <description>
                            <![CDATA[ We asked professional wealth planners for advice. ]]>
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                                                                        <pubDate>Wed, 21 Jan 2026 11:05:00 +0000</pubDate>                                                                                                                                <updated>Mon, 02 Feb 2026 18:34:48 +0000</updated>
                                                                                                                                            <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/xjf2xMWJXjCBbVQc2XedLP-1280-80.jpg">
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                                                            <title><![CDATA[ I'm a Financial Pro: You Really Can Make New Year's Money Resolutions That Stick (and Just Smile as Quitter's Day Goes By) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-plans/new-years-money-resolutions-that-stick</link>
                                                                            <description>
                            <![CDATA[ The secret to keeping your New Year's financial resolutions? Just make your savings and retirement contributions 100% automatic. ]]>
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                                                                        <pubDate>Tue, 30 Dec 2025 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                                    <dc:creator><![CDATA[ James Martielli, CFA®, CAIA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kxbdrLuuUdQqQoRyqBJ634-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Silver balloons spell out 2026 against a red background and confetti.]]></media:description>                                                            <media:text><![CDATA[Silver balloons spell out 2026 against a red background and confetti.]]></media:text>
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                                                            <title><![CDATA[ Average Retirement Income by Age and State ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/average-retirement-income-by-age-and-state</link>
                                                                            <description>
                            <![CDATA[ Whether you are already retired or just beginning to save, these age and state income averages offer a critical reality check to retirement savings and spending plans. ]]>
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                                                                        <pubDate>Wed, 03 Dec 2025 14:30:00 +0000</pubDate>                                                                                                                                <updated>Tue, 09 Dec 2025 21:42:07 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[401k]]></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/mQDDRdLeo49FDJiPuh6wmT-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Crowd of older people standing together]]></media:description>                                                            <media:text><![CDATA[Crowd of older people standing together]]></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">
                                                            <media:credit><![CDATA[Future]]></media:credit>
                                                                                                                                                                                                                                    <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[ 6 Changes to IRAs, 401(k)s and HSAs in 2026 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/changes-to-iras-401ks-hsas-in-2026</link>
                                                                            <description>
                            <![CDATA[ Changes to IRAs — Roth and traditional — and 401(k)s may mean more money for you in retirement. ]]>
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                                                                        <pubDate>Thu, 20 Nov 2025 17:28:38 +0000</pubDate>                                                                                                                                <updated>Thu, 15 Jan 2026 16:10:10 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[401k]]></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/Pdm8JCxhWSPtiE5Vd943rH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[2026 new year and piggy bank on white background. The concept of saving money in 2026]]></media:description>                                                            <media:text><![CDATA[2026 new year and piggy bank on white background. The concept of saving money in 2026]]></media:text>
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                                                            <title><![CDATA[ I'm 54 with a $320,000 IRA and will soon be self-employed, earning $120,000 per year. How much should I save for retirement? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/im-54-with-a-usd320-000-ira-and-will-soon-be-self-employed-earning-usd120-000-per-year-how-much-should-i-save-for-retirement</link>
                                                                            <description>
                            <![CDATA[ We asked financial experts for advice. ]]>
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                                                                        <pubDate>Sun, 16 Nov 2025 11:06:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Simple IRA]]></category>
                                                    <category><![CDATA[Simplified Employee Pension (SEP) IRA]]></category>
                                                    <category><![CDATA[401k]]></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/mccNs9SnExM9faU2X8oeiP-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman in her 50s works from home. She is working in a light-filled room with plants a mirror. One leg is up on the chair and she is looking at her phone with her laptop open.]]></media:description>                                                            <media:text><![CDATA[A woman in her 50s works from home. She is working in a light-filled room with plants a mirror. One leg is up on the chair and she is looking at her phone with her laptop open.]]></media:text>
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                                                            <title><![CDATA[ 8 Factors to Consider When Considering a Roth Conversion ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/roth-iras/roth-conversions-in-a-nutshell-eight-quick-facts</link>
                                                                            <description>
                            <![CDATA[ Roth conversions, which transform traditional IRAs into Roth IRAs, are a powerful retirement and tax tool. Here are eight facts to get you started. ]]>
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                                                                        <pubDate>Fri, 24 Oct 2025 09:55:00 +0000</pubDate>                                                                                                                                <updated>Mon, 22 Dec 2025 21:25:35 +0000</updated>
                                                                                                                                            <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Taxes]]></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/DfRFamLrFxZv2oZjfNKqph-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A note paper clipped to an IRS 1040 tax form with Roth IRA conversion tax strategy written on it rests next to a calculator.]]></media:description>                                                            <media:text><![CDATA[A note paper clipped to an IRS 1040 tax form with Roth IRA conversion tax strategy written on it rests next to a calculator.]]></media:text>
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                                                            <title><![CDATA[ Ask the Editor, October 17: QCDs and Tax-Planning ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-planning/ask-the-editor-october-17-qualified-charitable-distributions</link>
                                                                            <description>
                            <![CDATA[ In this week's Ask the Editor Q&A, Joy Taylor answers more questions about the use of qualified charitable distributions (QCDs) in end-of-year tax planning. ]]>
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                                                                        <pubDate>Fri, 17 Oct 2025 10:22:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/xwtvj5xh8FrPcjKyVC5z8d-1280-80.png">
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                                                            <title><![CDATA[ A Taxable Brokerage Account May Be What Your Retirement Is Missing ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/a-taxable-brokerage-account-may-be-what-your-retirement-is-missing</link>
                                                                            <description>
                            <![CDATA[ You can supplement your retirement nest egg or save for other goals with a taxable brokerage account. ]]>
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                                                                        <pubDate>Thu, 07 Aug 2025 10:02:00 +0000</pubDate>                                                                                                                                <updated>Wed, 20 Aug 2025 14:32:18 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ ella.vincent@futurenet.com (Ella Vincent) ]]></author>                    <dc:creator><![CDATA[ Ella Vincent ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5iSugem8jGciLp3bzaycXP-1280-80.jpg">
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                                                            <title><![CDATA[ Ask the Editor, July 4: Tax Questions on Inherited IRAs   ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-law/ask-the-editor-july-4-tax-questions-on-inherited-iras</link>
                                                                            <description>
                            <![CDATA[ In this week's Ask the Editor Q&A, we answer tax questions from readers on the rules on inheriting IRAs. ]]>
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                                                                        <pubDate>Sat, 05 Jul 2025 14:02:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Law]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/hJzmPvp8jJqfHModVP4RXN-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Ask the editor logo plus illustration of the scales of justice, tax legislation and a gavel.]]></media:description>                                                            <media:text><![CDATA[Ask the editor logo plus illustration of the scales of justice, tax legislation and a gavel.]]></media:text>
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                                                            <title><![CDATA[ Ask the Editor, June 27: Tax Questions on Disaster Losses, IRAs    ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-returns/ask-the-editor-june-27-questions-on-disaster-losses-iras</link>
                                                                            <description>
                            <![CDATA[ In this week's Ask the Editor Q&A, we answer tax questions from readers on paper checks, hurricane losses, IRAs and timeshares. ]]>
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                                                                        <pubDate>Fri, 27 Jun 2025 15:02:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[tax returns]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Tax Refunds]]></category>
                                                    <category><![CDATA[Tax Deductions]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/GpDSZVzccYuQHsMLF64KdQ-1280-80.jpg">
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                                                            <title><![CDATA[ Ask the Editor, June 20: Questions on Tax Deductions and IRAs    ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-deductions/ask-the-editor-june-20-tax-deductions-and-iras</link>
                                                                            <description>
                            <![CDATA[ In our latest Ask the Editor round-up, Joy Taylor, The Kiplinger Tax Letter Editor,  answers four questions on deductions, tax proposals and IRAs. ]]>
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                                                                        <pubDate>Fri, 20 Jun 2025 12:07:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Deductions]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/fkh2ji7zo5caeqE7y8EdwE-1280-80.jpg">
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                                                            <title><![CDATA[ Ask the Editor, May 9 — Reader Questions on QCDs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-deductions/ask-the-editor-may-9-qcds</link>
                                                                            <description>
                            <![CDATA[ In our latest Ask the Editor round-up, Joy Taylor, The Kiplinger Tax Letter Editor, answers questions on qualified charitable distributions (QCDs). ]]>
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                                                                        <pubDate>Fri, 09 May 2025 20:56:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Tax Filing]]></category>
                                                    <category><![CDATA[tax returns]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/GpDSZVzccYuQHsMLF64KdQ-1280-80.jpg">
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                                                            <title><![CDATA[ Should You Do A Roth IRA Conversion? Nine Things to Consider ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/should-you-do-a-roth-ira-conversion-what-to-consider</link>
                                                                            <description>
                            <![CDATA[ Thinking of converting a traditional IRA to a Roth IRA? The Kiplinger Tax Letter Editor highlights nine factors you should consider before making a move. ]]>
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                                                                        <pubDate>Tue, 22 Apr 2025 00:25:59 +0000</pubDate>                                                                                                                                <updated>Thu, 01 May 2025 19:35:27 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/xUvWdoEfrEtPijKzx2usi7-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Roth IRA circled in red pencil, with IRA text]]></media:description>                                                            <media:text><![CDATA[Roth IRA circled in red pencil, with IRA text]]></media:text>
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                                                            <title><![CDATA[ What Would Happen if You Put Your Tax Refund in an IRA? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/put-your-tax-refund-in-an-ira-see-what-would-happen</link>
                                                                            <description>
                            <![CDATA[ Not only could you get a tax break, but the compounding effect over 35 years could turn the average refund into nearly $14,000. ]]>
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                                                                        <pubDate>Thu, 17 Apr 2025 09:35:00 +0000</pubDate>                                                                                                                                <updated>Fri, 18 Apr 2025 14:00:14 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Tax Refunds]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Romi Savova ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9XJvXvrtSu9iLpywBKj8vX-1280-80.jpg">
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                                                            <title><![CDATA[ Is Your IRA Protected from Creditors in Bankruptcy? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/iras/is-your-ira-protected-in-bankruptcy</link>
                                                                            <description>
                            <![CDATA[ Can creditors take some or part of your IRA funds if you file for bankruptcy? Learn more about the federal protections that exist and to what extent they protect your IRAs. ]]>
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                                                                        <pubDate>Wed, 26 Mar 2025 14:30:00 +0000</pubDate>                                                                                                                                <updated>Thu, 26 Jun 2025 20:37:50 +0000</updated>
                                                                                                                                            <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></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/QkDXwzFHBAqXxeAzRufZTV-1280-80.jpg">
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                                                            <title><![CDATA[ IRA, SIMPLE and SEP Rules at a Glance: Contribution Limits, Income Limits and Rollover Options for 2025 and 2026 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/traditional-ira/ira-rules-at-a-glance-contribution-limits-income-limits-and-rollover-options</link>
                                                                            <description>
                            <![CDATA[ Here are IRA contribution limits, income limits and rollover rules for Roth, traditional, SIMPLE and SEP IRAs at a glance. ]]>
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                                                                        <pubDate>Tue, 25 Mar 2025 19:13:20 +0000</pubDate>                                                                                                                                <updated>Mon, 26 Jan 2026 20:55:33 +0000</updated>
                                                                                                                                            <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Simplified Employee Pension (SEP) IRA]]></category>
                                                    <category><![CDATA[Simple IRA]]></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/v2j3ZbzwSZVWvBMrGRDRtE-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Savings]]></media:description>                                                            <media:text><![CDATA[Savings]]></media:text>
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                                                            <title><![CDATA[ Tax Diversification: Smart Ways to Help Preserve Your Nest Egg ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/tax-diversification-smart-ways-to-preserve-your-nest-egg</link>
                                                                            <description>
                            <![CDATA[ A long and active retirement may be costly — and may even bump you into a higher tax bracket. Paying some taxes on your savings now could be the answer. ]]>
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                                                                        <pubDate>Sun, 23 Mar 2025 09:30:00 +0000</pubDate>                                                                                                                                <updated>Tue, 25 Mar 2025 21:00:21 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ nshaheen@fsa-1.com (Nicholas Shaheen, CFP®, CIMA®) ]]></author>                    <dc:creator><![CDATA[ Nicholas Shaheen, CFP®, CIMA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/VxGa85vyULFwDSZX5L4SU8-1280-80.jpg">
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                                                            <title><![CDATA[ Kick the IRS to the Curb in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/kick-the-irs-to-the-curb-in-retirement</link>
                                                                            <description>
                            <![CDATA[ That 401(k) or traditional IRA you've filled with your hard-earned money could turn into a tax bomb. Before it blows, see if a Roth could help rescue you. ]]>
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                                                                        <pubDate>Sat, 22 Mar 2025 09:35:00 +0000</pubDate>                                                                                                                                <updated>Mon, 24 Mar 2025 16:23:04 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Scott Mallernee, CRPC® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/4MZUTNBCHfB8TXvAdkYWk3-1280-80.jpg">
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                                                            <title><![CDATA[ IRA Conversion to Roth: Rules to Convert an IRA or 401(k) to a Roth IRA ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/roth-iras/ira-conversion-to-roth</link>
                                                                            <description>
                            <![CDATA[ An IRA conversion can give you a leg-up in retirement with tax-free income. But proceed with caution. ]]>
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                                                                        <pubDate>Thu, 20 Mar 2025 10:11:00 +0000</pubDate>                                                                                                                                <updated>Wed, 11 Feb 2026 15:14:53 +0000</updated>
                                                                                                                                            <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[401k]]></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/SjGrTKuoAKkfCYRKRrQJLn-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man looks up as he ponders the benefits of making a Roth Conversion.]]></media:description>                                                            <media:text><![CDATA[A man looks up as he ponders the benefits of making a Roth Conversion.]]></media:text>
                                <media:title type="plain"><![CDATA[A man looks up as he ponders the benefits of making a Roth Conversion.]]></media:title>
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                                                            <title><![CDATA[ Roth or Traditional? Seven Considerations for High Earners ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/roth-or-traditional-for-high-earners-considerations</link>
                                                                            <description>
                            <![CDATA[ Retirement savings and taxes are a minefield — and the higher your income, the more complicated the options. Use these tips to find your way forward. ]]>
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                                                                        <pubDate>Sat, 01 Mar 2025 10:35:00 +0000</pubDate>                                                                                                                                <updated>Sun, 02 Mar 2025 15:23:01 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Tim Kingsbury, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/hxhVkkGooSyjs29PwN9Q3h-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[&quot;Traditional&quot; and &quot;Roth&quot; are written on wooden blocks below red and blue arrows pointing in different directions.]]></media:description>                                                            <media:text><![CDATA[&quot;Traditional&quot; and &quot;Roth&quot; are written on wooden blocks below red and blue arrows pointing in different directions.]]></media:text>
                                <media:title type="plain"><![CDATA[&quot;Traditional&quot; and &quot;Roth&quot; are written on wooden blocks below red and blue arrows pointing in different directions.]]></media:title>
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                                                            <title><![CDATA[ Opportunities and Challenges When You Inherit an IRA ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/inherited-ira-opportunities-and-challenges</link>
                                                                            <description>
                            <![CDATA[ New SECURE 2.0 Act rules have kicked in to reshape distribution and taxes for inherited IRAs and retirement plans. Read on for strategies to help beneficiaries. ]]>
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                                                                        <pubDate>Wed, 22 Jan 2025 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ epappas@linscombwealth.com (Elizabeth Pappas, CPA) ]]></author>                    <dc:creator><![CDATA[ Elizabeth Pappas, CPA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/FUcaZArLjLuXdcfQrJCMHK-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A husband and wife contemplate a stack of money between them.]]></media:description>                                                            <media:text><![CDATA[A husband and wife contemplate a stack of money between them.]]></media:text>
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                                                            <title><![CDATA[ Inherited an IRA? The 3 Decisions That Could Cost You Thousands ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/inherited-an-ira-avoid-these-common-mistakes</link>
                                                                            <description>
                            <![CDATA[ Don't get hit with a big tax bill thanks to an inherited IRA. Learn the rules and save. ]]>
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                                                                        <pubDate>Sun, 05 Jan 2025 11:01:30 +0000</pubDate>                                                                                                                                <updated>Fri, 03 Apr 2026 18:44:34 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author>                    <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/M7KXWre8rffxeL64pd2GcE-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Couple looking at financial documents]]></media:description>                                                            <media:text><![CDATA[Couple looking at financial documents]]></media:text>
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                                                            <title><![CDATA[ How to Grow Your IRA in Retirement Rather Than Spend It Down ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-to-grow-your-ira-in-retirement-rather-than-spend-it-down</link>
                                                                            <description>
                            <![CDATA[ You really can defer RMDs and lower taxes while at the same time increasing the long-term growth of your IRA. Here's how. ]]>
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                                                                        <pubDate>Mon, 30 Dec 2024 10:35:00 +0000</pubDate>                                                                                                                                <updated>Mon, 06 Jan 2025 15:02:49 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jerry Golden, Investment Adviser Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5zRV9XjM32rzdGkWTWbWjm-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Three piggy banks in ascending order by size against a turquoise background. ]]></media:description>                                                            <media:text><![CDATA[Three piggy banks in ascending order by size against a turquoise background. ]]></media:text>
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                                                            <title><![CDATA[ IRA vs. 401(k): Should You Pick One — or Both? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/ira-vs-401-k-should-you-pick-one-or-both</link>
                                                                            <description>
                            <![CDATA[ An IRA or 401(k) can help you supercharge your retirement savings. We'll help you pick one or opt for both. ]]>
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                                                                        <pubDate>Fri, 06 Dec 2024 11:08:40 +0000</pubDate>                                                                                                                                <updated>Wed, 07 May 2025 21:30:24 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Brandon Renfro ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Pe8zTBRARc8qikwn9hNHy9-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[401k and IRA piggy bank for saving money retirement concept]]></media:description>                                                            <media:text><![CDATA[401k and IRA piggy bank for saving money retirement concept]]></media:text>
                                <media:title type="plain"><![CDATA[401k and IRA piggy bank for saving money retirement concept]]></media:title>
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                                                            <title><![CDATA[ Roth or Traditional: How to Choose a Retirement Tax Strategy ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/roth-or-traditional-how-to-choose-a-retirement-tax-strategy</link>
                                                                            <description>
                            <![CDATA[ When picking which type of 401(k) or IRA is right for you, consider whether you want to save a little on your taxes now — or save a lot more on them later. ]]>
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                                                                        <pubDate>Thu, 05 Dec 2024 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@retiremomentum.com (Nico Pesci) ]]></author>                    <dc:creator><![CDATA[ Nico Pesci ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/JMdq5cfBHsvQK52CLicJdS-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[The words Roth IRA and Traditional IRA are listed in a notebook with pluses and minuses underneath.]]></media:description>                                                            <media:text><![CDATA[The words Roth IRA and Traditional IRA are listed in a notebook with pluses and minuses underneath.]]></media:text>
                                <media:title type="plain"><![CDATA[The words Roth IRA and Traditional IRA are listed in a notebook with pluses and minuses underneath.]]></media:title>
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                                                            <title><![CDATA[ Don't Leave Your Heirs an IRA Tax Bomb ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/dont-leave-your-heirs-an-ira-tax-bomb</link>
                                                                            <description>
                            <![CDATA[ Your traditional IRA has served you well, but when your heirs inherit it, watch out. Consider some of these strategies to minimize their tax burdens. ]]>
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                                                                        <pubDate>Sun, 01 Dec 2024 10:40:00 +0000</pubDate>                                                                                                                                <updated>Mon, 02 Dec 2024 14:44:58 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kelsey M. Simasko, Esq. ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/KMeGDpRByGuEaUNNYhncch-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A ball made of cash is attached to a lit fuse.]]></media:description>                                                            <media:text><![CDATA[A ball made of cash is attached to a lit fuse.]]></media:text>
                                <media:title type="plain"><![CDATA[A ball made of cash is attached to a lit fuse.]]></media:title>
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                                                            <title><![CDATA[ Here's How to Find Your Way Out of the Inherited IRA Maze ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/inherited-ira-how-to-find-your-way-through-the-maze</link>
                                                                            <description>
                            <![CDATA[ To navigate complex rules on inherited IRAs and RMDs, start by breaking down key terms and common scenarios. A clearer picture of your next steps will emerge. ]]>
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                                                                        <pubDate>Sat, 19 Oct 2024 09:30:10 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ EBeach@exit59advisory.com (Evan T. Beach, CFP®, AWMA®) ]]></author>                    <dc:creator><![CDATA[ Evan T. Beach, CFP®, AWMA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/cT8iB8SQQy8mESerCNdF8H-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A businessman stands at the start of a maze made out of hundred-dollar bills.]]></media:description>                                                            <media:text><![CDATA[A businessman stands at the start of a maze made out of hundred-dollar bills.]]></media:text>
                                <media:title type="plain"><![CDATA[A businessman stands at the start of a maze made out of hundred-dollar bills.]]></media:title>
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                                                            <title><![CDATA[ Should You Move Your 401(k) to an IRA Once You Hit 59½? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/should-you-move-your-401k-to-an-ira-at-age-59</link>
                                                                            <description>
                            <![CDATA[ Some 401(k)s allow for in-service withdrawals at age 59½, opening up greater investment options. Here are three reasons for taking the plunge. ]]>
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                                                                        <pubDate>Fri, 18 Oct 2024 09:40:00 +0000</pubDate>                                                                                                                                <updated>Wed, 26 Feb 2025 19:21:02 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@peakretirementplanning.com (Joe F. Schmitz Jr., CFP®, ChFC®, CKA®) ]]></author>                    <dc:creator><![CDATA[ Joe F. Schmitz Jr., CFP®, ChFC®, CKA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/6A4H7q6hCuqX9fnKYGkgL8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank on a hand truck.]]></media:description>                                                            <media:text><![CDATA[A piggy bank on a hand truck.]]></media:text>
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                                                            <title><![CDATA[ Late to Retirement Planning? Four Ways to Help Catch Up ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/late-to-retirement-planning-how-to-catch-up</link>
                                                                            <description>
                            <![CDATA[ If you're afraid you're behind in saving for retirement, it's important to act. You can do something. Here are four ways to help get back on track. ]]>
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                                                                        <pubDate>Sun, 06 Oct 2024 09:30:19 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ scummings@halberthargrove.com (Shane W. Cummings, CFP®, AIF®) ]]></author>                    <dc:creator><![CDATA[ Shane W. Cummings, CFP®, AIF® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/TeRwLw9JPAkg8dD7qbD8tj-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple look at a laptop together at their kitchen table.]]></media:description>                                                            <media:text><![CDATA[An older couple look at a laptop together at their kitchen table.]]></media:text>
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                                                            <title><![CDATA[ Six Changes to IRAs and 401(k)s in 2025 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/iras/changes-coming-to-iras-next-year</link>
                                                                            <description>
                            <![CDATA[ The 2025 rule changes for Roth and traditional IRAs could mean more money for your retirement. But you have to pay attention to reap the rewards. ]]>
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                                                                        <pubDate>Fri, 27 Sep 2024 09:39:00 +0000</pubDate>                                                                                                                                <updated>Fri, 03 Jan 2025 23:24:47 +0000</updated>
                                                                                                                                            <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></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/94STBnzgAuh5qanq6CY8ZB-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[2025 With Coins And Graph. Finance And Economy Concept.]]></media:description>                                                            <media:text><![CDATA[2025 With Coins And Graph. Finance And Economy Concept.]]></media:text>
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                                                            <title><![CDATA[ Average IRA Balance by Age and Generation: How Does Your Retirement Account Compare? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/iras/the-average-ira-balance-by-age</link>
                                                                            <description>
                            <![CDATA[ You may have a higher IRA balance than your peers at the end of 2025 if you made smart decisions all the way back in 2022. Here's how to do it again. ]]>
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                                                                        <pubDate>Wed, 25 Sep 2024 09:47:34 +0000</pubDate>                                                                                                                                <updated>Thu, 12 Mar 2026 21:02:30 +0000</updated>
                                                                                                                                            <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Adam Shell ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bAqYbTtoeou2tnkCovKq7N-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[4 mature adults standing and sitting on bars from a bar graph to illustrate bank balance and financial status.]]></media:description>                                                            <media:text><![CDATA[4 mature adults standing and sitting on bars from a bar graph to illustrate bank balance and financial status.]]></media:text>
                                <media:title type="plain"><![CDATA[4 mature adults standing and sitting on bars from a bar graph to illustrate bank balance and financial status.]]></media:title>
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                                                            <title><![CDATA[ Grow Your Investments Like Yale, Through a Self-Directed IRA ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/self-directed-ira-grow-your-investments-like-yale</link>
                                                                            <description>
                            <![CDATA[ Yale's successful endowment focuses on alternatives. With a self-directed IRA, an individual investor could design a portfolio based on similar principles. ]]>
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                                                                        <pubDate>Mon, 09 Sep 2024 09:30:26 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[self directed IRA]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jason DeBono ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/TzZYQsoraJySFmcAZxqkcL-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Cash is wrapped around sprouts, looking like it&#039;s growing with the plants.]]></media:description>                                                            <media:text><![CDATA[Cash is wrapped around sprouts, looking like it&#039;s growing with the plants.]]></media:text>
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                                                            <title><![CDATA[ How to Roll Over Your 401(k) Without Costly Regrets ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-to-roll-over-your-401k-without-costly-regrets</link>
                                                                            <description>
                            <![CDATA[ Rolling your 401(k) over to an IRA the wrong way could cost you big-time in taxes and penalties. It’s worth it to consult a professional first. ]]>
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                                                                        <pubDate>Fri, 23 Aug 2024 09:35:15 +0000</pubDate>                                                                                                                                <updated>Sat, 24 Aug 2024 13:35:14 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ pam@wealthramp.com (Pam Krueger) ]]></author>                    <dc:creator><![CDATA[ Pam Krueger ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/2V7L83eowZbAaZK64MCPVE-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[The words 401k rollover written on black paper next to some cash and a calculator.]]></media:description>                                                            <media:text><![CDATA[The words 401k rollover written on black paper next to some cash and a calculator.]]></media:text>
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                                                            <title><![CDATA[ What Is an IRA and Which Type is Best for You? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/iras/what-is-an-ira-and-which-type-is-best-for-you</link>
                                                                            <description>
                            <![CDATA[ An Individual Retirement Account (IRA) is a tax-advantaged savings account to help you boost your nest egg. Learn which type of IRA is best for you. ]]>
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                                                                        <pubDate>Thu, 15 Aug 2024 09:16:00 +0000</pubDate>                                                                                                                                <updated>Wed, 26 Mar 2025 00:00:50 +0000</updated>
                                                                                                                                            <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Simplified Employee Pension (SEP) IRA]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Tom Taulli) ]]></author>                    <dc:creator><![CDATA[ Tom Taulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Q4x9qxtwuorNZPqSiEyk2W-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[What’s your plan for retirement message written on ripped torn paper piece on blue background. Conceptual what’s your plan for retirement symbol. Copy space.]]></media:description>                                                            <media:text><![CDATA[What’s your plan for retirement message written on ripped torn paper piece on blue background. Conceptual what’s your plan for retirement symbol. Copy space.]]></media:text>
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                                                            <title><![CDATA[ Traditional IRAs: Get Tax-Deferred Retirement Savings ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/traditional-ira/traditional-iras-tax-deferred-retirement-savings</link>
                                                                            <description>
                            <![CDATA[ A traditional IRA is a powerful way to save for retirement. If you don't have a 401(k) it can be especially helpful. ]]>
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                                                                        <pubDate>Mon, 12 Aug 2024 09:50:19 +0000</pubDate>                                                                                                                                <updated>Mon, 04 Nov 2024 19:46:45 +0000</updated>
                                                                                                                                            <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Tom Taulli) ]]></author>                    <dc:creator><![CDATA[ Tom Taulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/sj9iTeTDfWq88kZdJTKKYM-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A young, smiling woman works on a traditional IRA on her laptop in her kitchen.]]></media:description>                                                            <media:text><![CDATA[A young, smiling woman works on a traditional IRA on her laptop in her kitchen.]]></media:text>
                                <media:title type="plain"><![CDATA[A young, smiling woman works on a traditional IRA on her laptop in her kitchen.]]></media:title>
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                                                            <title><![CDATA[ Is Your IRA an IOU to the IRS? Three Retirement Tax Strategies ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/is-your-ira-an-iou-to-the-irs-retirement-tax-strategies</link>
                                                                            <description>
                            <![CDATA[ These steps, including converting to Roth IRAs, using a Roth 401(k) and leveraging life insurance and annuities, can help reduce your taxes in retirement. ]]>
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                                                                        <pubDate>Sat, 29 Jun 2024 09:30:46 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ bill@navtherz.com (William Decker, Investment Advisor Representative) ]]></author>                    <dc:creator><![CDATA[ William Decker, Investment Advisor Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/FUdXyy4TxAtT6yZMCHK468-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[The acronym IOU is taped over the front of a hundred-dollar bill.]]></media:description>                                                            <media:text><![CDATA[The acronym IOU is taped over the front of a hundred-dollar bill.]]></media:text>
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                                                            <title><![CDATA[ How IRAs Impact Social Security ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/how-iras-impact-social-security</link>
                                                                            <description>
                            <![CDATA[ Do your traditional IRA distributions count as income that could lower your Social Security benefits? It depends. ]]>
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                                                                        <pubDate>Wed, 19 Jun 2024 09:31:33 +0000</pubDate>                                                                                                                                <updated>Mon, 23 Feb 2026 19:50:01 +0000</updated>
                                                                                                                                            <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Simple IRA]]></category>
                                                    <category><![CDATA[Simplified Employee Pension (SEP) IRA]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Tom Taulli) ]]></author>                    <dc:creator><![CDATA[ Tom Taulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/LHns6VaP6xzapD6kPDgPUe-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Portrait of a happy senior couple enjoying coffee on their balcony, using laptop  and making some plans together]]></media:description>                                                            <media:text><![CDATA[Portrait of a happy senior couple enjoying coffee on their balcony, using laptop  and making some plans together]]></media:text>
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                                                            <title><![CDATA[ IRA vs Roth vs 401(k): Which Do You Pick? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/ira-vs-roth-vs-401k-which-to-choose</link>
                                                                            <description>
                            <![CDATA[ All offer great tax breaks as you save for retirement. In addition, there are 403(b), SEP and SIMPLE plans and more. But don't worry. It’s hard to go wrong. ]]>
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                                                                        <pubDate>Sun, 16 Jun 2024 09:40:34 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ scott.mcclatchey@ballastrockpw.com (Scott McClatchey, CFP®) ]]></author>                    <dc:creator><![CDATA[ Scott McClatchey, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/DkC45P7M6NNf5RMoLfcQDF-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[The words, letters and numerals Roth, IRA and 401(k) on blocks sitting atop stacks of coins.]]></media:description>                                                            <media:text><![CDATA[The words, letters and numerals Roth, IRA and 401(k) on blocks sitting atop stacks of coins.]]></media:text>
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                                                            <title><![CDATA[ QCDs Are a Tax-Smart Way for Retirees To Donate to Charity ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/qcds-a-tax-smart-way-for-retirees-to-donate-to-charity</link>
                                                                            <description>
                            <![CDATA[ With QCDs, retirees can save on taxes by making donations from their IRAs directly to charity. Here's what you need to know about qualified charitable distributions. ]]>
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                                                                        <pubDate>Fri, 31 May 2024 12:23:41 +0000</pubDate>                                                                                                                                <updated>Fri, 31 May 2024 15:37:50 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Charity]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kwiwWCjomyMjad6E8GNRJF-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images/iStockphoto]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[online donate key on keyboard]]></media:description>                                                            <media:text><![CDATA[online donate key on keyboard]]></media:text>
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                                                            <title><![CDATA[ The Do’s and Don’ts of Inherited IRAs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/the-dos-and-donts-of-inherited-iras</link>
                                                                            <description>
                            <![CDATA[ When you inherit an IRA, you likely have a lot of questions. Do you need to take RMDs? When? How long do you have before the account must be cleaned out? ]]>
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                                                                        <pubDate>Sat, 25 May 2024 09:40:26 +0000</pubDate>                                                                                                                                <updated>Mon, 15 Jul 2024 15:02:12 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ 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/rAfDetZwHDBaLPCBqeUUvk-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A man uses a laptop at his kitchen table.]]></media:description>                                                            <media:text><![CDATA[A man uses a laptop at his kitchen table.]]></media:text>
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                                                            <title><![CDATA[ What to Know Before You Inherit an IRA ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/what-to-know-before-you-inherit-an-ira</link>
                                                                            <description>
                            <![CDATA[ Managing the taxes that come with an inherited IRA takes smart planning, especially since the SECURE Act eliminated the 'stretch IRA' game plan for most folks. ]]>
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                                                                        <pubDate>Wed, 22 May 2024 09:40:38 +0000</pubDate>                                                                                                                                <updated>Mon, 24 Mar 2025 19:53:05 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Antwone Harris, MBA, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ma7dD65C63T46NCHLxYtoS-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A couple look at paperwork and a laptop together at their kitchen table.]]></media:description>                                                            <media:text><![CDATA[A couple look at paperwork and a laptop together at their kitchen table.]]></media:text>
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                                                            <title><![CDATA[ Got a Cash Balance Pension? Understand Your Options ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/cash-balance-pension-plan-options</link>
                                                                            <description>
                            <![CDATA[ To maximize your retirement income, you need to know how your cash balance plan works, which type of payout is right for you and how it’s taxed. ]]>
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                                                                        <pubDate>Mon, 13 May 2024 09:30:52 +0000</pubDate>                                                                                                                                <updated>Mon, 13 May 2024 13:51:23 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Annuities]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Mike Palmer, CFP ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/AGFJUnV8w6AT8GbqLK82pV-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A seesaw with a clock at one end and a roll of cash at the other.]]></media:description>                                                            <media:text><![CDATA[A seesaw with a clock at one end and a roll of cash at the other.]]></media:text>
                                <media:title type="plain"><![CDATA[A seesaw with a clock at one end and a roll of cash at the other.]]></media:title>
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                                                            <title><![CDATA[ Charitable Remainder Trust: The Stretch IRA Alternative ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/charitable-remainder-trust-stretch-ira-alternative</link>
                                                                            <description>
                            <![CDATA[ The SECURE Act killed the stretch IRA, but a properly constructed charitable remainder trust can deliver similar benefits, with some caveats. ]]>
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                                                                        <pubDate>Wed, 17 Apr 2024 09:40:20 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Charity]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Brandon Mather, CFP®, CEPA, ChFEBC® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/w4GVf8n2RghJvR7UH7NTeR-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple stretch while sitting on exercise mats in a park.]]></media:description>                                                            <media:text><![CDATA[An older couple stretch while sitting on exercise mats in a park.]]></media:text>
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                                                            <title><![CDATA[ Save More for Retirement in 2023 Thanks to Higher IRA and 401(k) Contribution Limits ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/higher-ira-and-401k-contribution-limits</link>
                                                                            <description>
                            <![CDATA[ If you're saving for retirement, you can contribute a lot more to an IRA, 401(k), or other retirement account in 2023. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Fri, 21 Oct 2022 20:38:59 +0000</pubDate>                                                                                                                                <updated>Fri, 22 Dec 2023 20:14:51 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rocky Mengle ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kjpUv7ciuGE3PxPCiGusbd-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Retirement savings plan options]]></media:description>                                                            <media:text><![CDATA[Retirement savings plan options]]></media:text>
                                <media:title type="plain"><![CDATA[Retirement savings plan options]]></media:title>
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                                                            <title><![CDATA[ Three Potentially Costly IRA Mistakes That Are Easy to Avoid ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/3-costly-ira-mistakes-to-avoid</link>
                                                                            <description>
                            <![CDATA[ An IRA is a great savings tool, but it does come with some rules that can trip up a lot of people. Find out more here about beneficiaries, after-tax contributions and RMD tables. ]]>
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                                                                        <pubDate>Fri, 21 Oct 2022 08:30:57 +0000</pubDate>                                                                                                                                <updated>Mon, 24 Mar 2025 20:35:13 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Michael Aloi, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/LaNzyyxwtGCMbnxSbhSDLS-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A woman puts her face in her hands while sitting in front of her laptop at a table.]]></media:description>                                                            <media:text><![CDATA[A woman puts her face in her hands while sitting in front of her laptop at a table.]]></media:text>
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                                                            <title><![CDATA[ 5 Tax Deadlines for October 17 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-deadline/603588/6-tax-deadlines-for-october-15</link>
                                                                            <description>
                            <![CDATA[ Many taxpayers know that October 17 is the due date for filing an extended tax return, but there are other tax deadlines on this date. ]]>
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                                                                        <pubDate>Thu, 13 Oct 2022 12:42:57 +0000</pubDate>                                                                                                                                <updated>Tue, 03 Jan 2023 20:32:09 +0000</updated>
                                                                                                                                            <category><![CDATA[Tax Deadline]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[State Tax]]></category>
                                                    <category><![CDATA[Simplified Employee Pension (SEP) IRA]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Roth IRAs]]></category>
                                                    <category><![CDATA[IRAs]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (William Neilson) ]]></author>                    <dc:creator><![CDATA[ William Neilson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bWYXhD6VEtSx4cDvMXnXob-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[calendar showing October 17 next to an alarm clock]]></media:description>                                                            <media:text><![CDATA[calendar showing October 17 next to an alarm clock]]></media:text>
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