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        <![CDATA[]]>
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        <![CDATA[]]>
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        <![CDATA[]]>
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        <![CDATA[]]>
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        <![CDATA[]]>
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      <pubDate>Thu, 16 Apr 2026 17:00:00 -0400</pubDate>
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        <![CDATA[]]>
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      <itunes:explicit>No</itunes:explicit>
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      <title> Are You Making These Critical Beneficiary Mistakes? (2026)</title>
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      <pubDate>Sat, 11 Apr 2026 02:02:45 -0400</pubDate>
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        <![CDATA[]]>
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      <itunes:explicit>No</itunes:explicit>
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      <title>How To Evaluate an Early Buy-Out Opportunity or Voluntary Retirement Offer</title>
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      <pubDate>Thu, 02 Apr 2026 17:00:00 -0400</pubDate>
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        <![CDATA[]]>
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      <itunes:explicit>No</itunes:explicit>
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      <title>Items In Your Retirement and Estate Plan That's Often Overlooked</title>
      <itunes:episode>150</itunes:episode>
      <podcast:episode>150</podcast:episode>
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      <pubDate>Thu, 26 Mar 2026 17:00:00 -0400</pubDate>
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        <![CDATA[]]>
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      <itunes:explicit>No</itunes:explicit>
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      <title>Can Your Retirement Plan Survive and Advance?</title>
      <itunes:episode>149</itunes:episode>
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        <![CDATA[]]>
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      <itunes:explicit>No</itunes:explicit>
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      <title>Question and Answer Show March 2026</title>
      <itunes:episode>148</itunes:episode>
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        <![CDATA[]]>
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      <itunes:explicit>No</itunes:explicit>
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      <title>What You Don’t Know About Your IRA Can Hurt You</title>
      <itunes:episode>147</itunes:episode>
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      <pubDate>Thu, 05 Mar 2026 17:00:00 -0500</pubDate>
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        <![CDATA[]]>
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      <itunes:explicit>No</itunes:explicit>
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      <title>Tax Savings Moves You Can Still Make for the Year 2025</title>
      <itunes:episode>146</itunes:episode>
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        <![CDATA[]]>
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      <itunes:explicit>No</itunes:explicit>
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      <title>February 2026 Question of the Month</title>
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        <![CDATA[<p>This is the question and answer show for February, and we have many great questions to answer this month! Find out the answer to these questions in this episode!</p>]]>
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        <![CDATA[<p>This is the question and answer show for February, and we have many great questions to answer this month! Find out the answer to these questions in this episode!</p>]]>
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        <![CDATA[<p>This is the question and answer show for February, and we have many great questions to answer this month! Find out the answer to these questions in this episode!</p>]]>
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      <itunes:explicit>No</itunes:explicit>
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        <![CDATA[]]>
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      <itunes:explicit>No</itunes:explicit>
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      <itunes:episode>143</itunes:episode>
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        <![CDATA[]]>
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      <pubDate>Mon, 09 Feb 2026 10:19:59 -0500</pubDate>
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        <![CDATA[]]>
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      <itunes:explicit>No</itunes:explicit>
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    <item>
      <title>Key Retirement Planning Moves for Today’s New Financial World</title>
      <itunes:episode>142</itunes:episode>
      <podcast:episode>142</podcast:episode>
      <itunes:title>Key Retirement Planning Moves for Today’s New Financial World</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">e4782643-e277-41b9-bb26-31184062310f</guid>
      <link>https://share.transistor.fm/s/d2648fee</link>
      <description>
        <![CDATA[<p>In today's rapidly changing uncertain and volatile financial world, setting up and maintaining a successful retirement plant has never been more important. To accomplish this, you will have to make some updated and strategic planning moves. Listen in to learn about several key moves you may very well need to make right away. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In today's rapidly changing uncertain and volatile financial world, setting up and maintaining a successful retirement plant has never been more important. To accomplish this, you will have to make some updated and strategic planning moves. Listen in to learn about several key moves you may very well need to make right away. </p>]]>
      </content:encoded>
      <pubDate>Thu, 29 Jan 2026 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/d2648fee/928bed60.mp3" length="57625923" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>In today's rapidly changing uncertain and volatile financial world, setting up and maintaining a successful retirement plant has never been more important. To accomplish this, you will have to make some updated and strategic planning moves. Listen in to learn about several key moves you may very well need to make right away. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question &amp; Answer Show January 2026</title>
      <itunes:episode>141</itunes:episode>
      <podcast:episode>141</podcast:episode>
      <itunes:title>Question &amp; Answer Show January 2026</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">49b05fcd-e22a-409f-928e-e2303f1e361a</guid>
      <link>https://share.transistor.fm/s/bd4c2ecb</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 22 Jan 2026 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/bd4c2ecb/c00db60c.mp3" length="43225450" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Are You Ready For More Change?</title>
      <itunes:episode>140</itunes:episode>
      <podcast:episode>140</podcast:episode>
      <itunes:title>Are You Ready For More Change?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">d9a2ebfe-b025-43d8-99f3-ab60b8645230</guid>
      <link>https://share.transistor.fm/s/c7cc9029</link>
      <description>
        <![CDATA[<p>Are you ready for change? I certainly hope so, because congress recently approved the Secure Act and Secure Act 2.0 law and now the OBBBA reconciliation bill which brings many changes to the financial retirement planning arena. Find out the details of all these changes right now. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Are you ready for change? I certainly hope so, because congress recently approved the Secure Act and Secure Act 2.0 law and now the OBBBA reconciliation bill which brings many changes to the financial retirement planning arena. Find out the details of all these changes right now. </p>]]>
      </content:encoded>
      <pubDate>Thu, 15 Jan 2026 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/c7cc9029/e6fe50ce.mp3" length="43225445" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Are you ready for change? I certainly hope so, because congress recently approved the Secure Act and Secure Act 2.0 law and now the OBBBA reconciliation bill which brings many changes to the financial retirement planning arena. Find out the details of all these changes right now. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>New Year Brings New Rules and Laws</title>
      <itunes:episode>139</itunes:episode>
      <podcast:episode>139</podcast:episode>
      <itunes:title>New Year Brings New Rules and Laws</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">3382fc0c-ede3-4002-8a07-bd66792c910a</guid>
      <link>https://share.transistor.fm/s/3ff9ecd6</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 08 Jan 2026 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/3ff9ecd6/b611c248.mp3" length="43225449" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Financial New Year's Resolution </title>
      <itunes:episode>138</itunes:episode>
      <podcast:episode>138</podcast:episode>
      <itunes:title>Financial New Year's Resolution </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">03ac07a8-e80a-46f8-9384-24d2214b571b</guid>
      <link>https://share.transistor.fm/s/7c914f8c</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 01 Jan 2026 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/7c914f8c/81c9ae01.mp3" length="57625831" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Merry Christmas and Happy Holidays from Hayes Advisory Group</title>
      <itunes:episode>137</itunes:episode>
      <podcast:episode>137</podcast:episode>
      <itunes:title>Merry Christmas and Happy Holidays from Hayes Advisory Group</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">baa2243b-21fa-4a79-a989-e02916576c1f</guid>
      <link>https://share.transistor.fm/s/db7c4d41</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 18 Dec 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/db7c4d41/b2379fd2.mp3" length="57627395" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question of the Month December 2025</title>
      <itunes:episode>136</itunes:episode>
      <podcast:episode>136</podcast:episode>
      <itunes:title>Question of the Month December 2025</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">fd8169d8-9091-48d2-9adf-5918ad0c6431</guid>
      <link>https://share.transistor.fm/s/f2a99dd3</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 11 Dec 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/f2a99dd3/87499684.mp3" length="43225450" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>To Give and Receive</title>
      <itunes:episode>135</itunes:episode>
      <podcast:episode>135</podcast:episode>
      <itunes:title>To Give and Receive</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">09c21666-14ca-4222-8dd7-f41b94e6f094</guid>
      <link>https://share.transistor.fm/s/0fb1675e</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 04 Dec 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/0fb1675e/10f2dc10.mp3" length="43225434" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Big Decisions to Make</title>
      <itunes:episode>134</itunes:episode>
      <podcast:episode>134</podcast:episode>
      <itunes:title>Big Decisions to Make</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">4e43f76e-4325-433f-9164-ea90d9867013</guid>
      <link>https://share.transistor.fm/s/25da573a</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 27 Nov 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/25da573a/03b14038.mp3" length="43225436" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Questions of the Month November 2025</title>
      <itunes:episode>133</itunes:episode>
      <podcast:episode>133</podcast:episode>
      <itunes:title>Questions of the Month November 2025</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">3016192b-15aa-4f57-b684-db8220ee7b22</guid>
      <link>https://share.transistor.fm/s/f4745318</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 20 Nov 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/f4745318/7bd67577.mp3" length="43202565" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Time Is Running Out</title>
      <itunes:episode>132</itunes:episode>
      <podcast:episode>132</podcast:episode>
      <itunes:title>Time Is Running Out</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">aea5a9af-73b3-41de-87fe-1185eacd1e32</guid>
      <link>https://share.transistor.fm/s/a4c50ed1</link>
      <description>
        <![CDATA[<p>Time is running out on the year 2025, and there are some critical retirement planning moves you have to, or may need to make by the end of the year. If you fail to make these moves in time, you may lose money in the form of penalties, taxes, or lost opportunity cost. Find out what these requirements and moves are here! </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Time is running out on the year 2025, and there are some critical retirement planning moves you have to, or may need to make by the end of the year. If you fail to make these moves in time, you may lose money in the form of penalties, taxes, or lost opportunity cost. Find out what these requirements and moves are here! </p>]]>
      </content:encoded>
      <pubDate>Thu, 13 Nov 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/a4c50ed1/34c86bc6.mp3" length="43225434" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Time is running out on the year 2025, and there are some critical retirement planning moves you have to, or may need to make by the end of the year. If you fail to make these moves in time, you may lose money in the form of penalties, taxes, or lost opportunity cost. Find out what these requirements and moves are here! </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>How Do You Find the Right One?</title>
      <itunes:episode>131</itunes:episode>
      <podcast:episode>131</podcast:episode>
      <itunes:title>How Do You Find the Right One?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">28ae5202-f45d-4f83-86f7-aa0cd0c16c17</guid>
      <link>https://share.transistor.fm/s/2b6bbe08</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 06 Nov 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/2b6bbe08/d9554dd7.mp3" length="57625829" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Retirement Traps To Avoid</title>
      <itunes:episode>130</itunes:episode>
      <podcast:episode>130</podcast:episode>
      <itunes:title>Retirement Traps To Avoid</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">7bf083ea-11ad-4144-9fa0-5da4dab39328</guid>
      <link>https://share.transistor.fm/s/d542c0a8</link>
      <description>
        <![CDATA[<p>There's no denying that retirement planning is a sophisticated and complicated process. In fact, getting to and surviving retirement can be like navigating your way through a minefield, and there are several retirement traps you must avoid. Join as we discuss these traps in detail and arm you with the information you need to survive. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>There's no denying that retirement planning is a sophisticated and complicated process. In fact, getting to and surviving retirement can be like navigating your way through a minefield, and there are several retirement traps you must avoid. Join as we discuss these traps in detail and arm you with the information you need to survive. </p>]]>
      </content:encoded>
      <pubDate>Thu, 30 Oct 2025 18:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/d542c0a8/0eef16db.mp3" length="57625824" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>There's no denying that retirement planning is a sophisticated and complicated process. In fact, getting to and surviving retirement can be like navigating your way through a minefield, and there are several retirement traps you must avoid. Join as we discuss these traps in detail and arm you with the information you need to survive. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Is It A Retirement Trick Or A Treat?</title>
      <itunes:episode>129</itunes:episode>
      <podcast:episode>129</podcast:episode>
      <itunes:title>Is It A Retirement Trick Or A Treat?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">3258a375-1372-45d7-939f-63279a1b0bae</guid>
      <link>https://share.transistor.fm/s/26d27a9c</link>
      <description>
        <![CDATA[<p>It's Halloween Season, and as you know the main theme around Halloween is Trick or Treat--which is also a main theme right now in the retirement planning world. Join in as we discuss the many tools, plans, and strategies that could be a treat for your retirement plan, or a very costly trick depending on how you're using them. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>It's Halloween Season, and as you know the main theme around Halloween is Trick or Treat--which is also a main theme right now in the retirement planning world. Join in as we discuss the many tools, plans, and strategies that could be a treat for your retirement plan, or a very costly trick depending on how you're using them. </p>]]>
      </content:encoded>
      <pubDate>Thu, 23 Oct 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/26d27a9c/32c457a2.mp3" length="57625854" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>It's Halloween Season, and as you know the main theme around Halloween is Trick or Treat--which is also a main theme right now in the retirement planning world. Join in as we discuss the many tools, plans, and strategies that could be a treat for your retirement plan, or a very costly trick depending on how you're using them. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Are You Scared For Your Retirement Plan?</title>
      <itunes:episode>128</itunes:episode>
      <podcast:episode>128</podcast:episode>
      <itunes:title>Are You Scared For Your Retirement Plan?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">6c7c379c-03ea-4059-8d4f-2b35d8a25c89</guid>
      <link>https://share.transistor.fm/s/da786833</link>
      <description>
        <![CDATA[<p>Halloween is a made up theme, but there are many issues going on right now in the financial, economic, tax, and political world that are very real and downright scary. Join me as we discuss these issues in detail, and what you can specifically do to calm your fears and not be scared. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Halloween is a made up theme, but there are many issues going on right now in the financial, economic, tax, and political world that are very real and downright scary. Join me as we discuss these issues in detail, and what you can specifically do to calm your fears and not be scared. </p>]]>
      </content:encoded>
      <pubDate>Thu, 16 Oct 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/da786833/1cec20c0.mp3" length="43225455" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Halloween is a made up theme, but there are many issues going on right now in the financial, economic, tax, and political world that are very real and downright scary. Join me as we discuss these issues in detail, and what you can specifically do to calm your fears and not be scared. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question of the Month October 2025</title>
      <itunes:episode>127</itunes:episode>
      <podcast:episode>127</podcast:episode>
      <itunes:title>Question of the Month October 2025</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">769f3709-087d-4dbe-97db-8008c6df2323</guid>
      <link>https://share.transistor.fm/s/6717e4c9</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 09 Oct 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/6717e4c9/62510db3.mp3" length="43225449" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>The Original Stretch IRA Has Been Eliminated, Now What Do You Do?</title>
      <itunes:episode>126</itunes:episode>
      <podcast:episode>126</podcast:episode>
      <itunes:title>The Original Stretch IRA Has Been Eliminated, Now What Do You Do?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">02a24a42-47ba-43b6-a6fb-e0fdc2faef24</guid>
      <link>https://share.transistor.fm/s/e5e81486</link>
      <description>
        <![CDATA[<p>The original inherited Stretch IRA has been severely changed by the Secure Act that went into effect the beginning of 2020. Now what do you do? Find out here!</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>The original inherited Stretch IRA has been severely changed by the Secure Act that went into effect the beginning of 2020. Now what do you do? Find out here!</p>]]>
      </content:encoded>
      <pubDate>Thu, 02 Oct 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/e5e81486/43a23645.mp3" length="57625818" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>The original inherited Stretch IRA has been severely changed by the Secure Act that went into effect the beginning of 2020. Now what do you do? Find out here!</p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>How Retirement Savvy Are You?</title>
      <itunes:episode>125</itunes:episode>
      <podcast:episode>125</podcast:episode>
      <itunes:title>How Retirement Savvy Are You?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/a5a34d67</link>
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        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 25 Sep 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/a5a34d67/4c08b27b.mp3" length="57625828" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question and Answer Show September 2025</title>
      <itunes:episode>124</itunes:episode>
      <podcast:episode>124</podcast:episode>
      <itunes:title>Question and Answer Show September 2025</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">3909abd6-abd1-400b-b420-e0fa066992c2</guid>
      <link>https://share.transistor.fm/s/b6dd9188</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 18 Sep 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/b6dd9188/fcfab93a.mp3" length="57625838" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>What Happens to Your Retirement Plan When a Spouse Passes Away’?  </title>
      <itunes:episode>123</itunes:episode>
      <podcast:episode>123</podcast:episode>
      <itunes:title>What Happens to Your Retirement Plan When a Spouse Passes Away’?  </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">14d1ea78-a2bb-44ac-b0b8-5af1cd263a68</guid>
      <link>https://share.transistor.fm/s/f21f9f3b</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 11 Sep 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/f21f9f3b/6311033c.mp3" length="43225549" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>How Do You Inherit Money Properly Based On The New Inheritance Rules?  </title>
      <itunes:episode>122</itunes:episode>
      <podcast:episode>122</podcast:episode>
      <itunes:title>How Do You Inherit Money Properly Based On The New Inheritance Rules?  </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">b9cc5205-a921-4ab9-a6ae-7ec60aeee1b1</guid>
      <link>https://share.transistor.fm/s/9b9683f1</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 04 Sep 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/9b9683f1/6bf477ac.mp3" length="72026254" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Understanding Your Social Security Benefits </title>
      <itunes:episode>121</itunes:episode>
      <podcast:episode>121</podcast:episode>
      <itunes:title>Understanding Your Social Security Benefits </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">e4b437d8-e294-4825-a0a6-7c84cf44cd21</guid>
      <link>https://share.transistor.fm/s/5e6d0894</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 28 Aug 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/5e6d0894/01eff871.mp3" length="43225459" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Questions of the Month August 2025</title>
      <itunes:episode>120</itunes:episode>
      <podcast:episode>120</podcast:episode>
      <itunes:title>Questions of the Month August 2025</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">b8ee5292-6998-49e7-a3ef-fdd9597dea88</guid>
      <link>https://share.transistor.fm/s/47f5a2aa</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 21 Aug 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/47f5a2aa/95572e99.mp3" length="43225449" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Retirement Rules And Staples That Don’t Apply Anymore</title>
      <itunes:episode>119</itunes:episode>
      <podcast:episode>119</podcast:episode>
      <itunes:title>Retirement Rules And Staples That Don’t Apply Anymore</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">45dd272a-f36d-46c6-89ed-98e3a41363d5</guid>
      <link>https://share.transistor.fm/s/386d0d80</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 14 Aug 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/386d0d80/04755ff8.mp3" length="72028211" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Key Dates and Ages for Your Retirement</title>
      <itunes:episode>118</itunes:episode>
      <podcast:episode>118</podcast:episode>
      <itunes:title>Key Dates and Ages for Your Retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">f5b47b25-f696-4223-a549-5d823a706b6e</guid>
      <link>https://share.transistor.fm/s/d4ea2fd2</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 07 Aug 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/d4ea2fd2/f871bc1c.mp3" length="43225449" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>It Is Back-To-School Time For Your Retirement</title>
      <itunes:episode>117</itunes:episode>
      <podcast:episode>117</podcast:episode>
      <itunes:title>It Is Back-To-School Time For Your Retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">b0cca3f0-1840-40df-835d-a908c03b7058</guid>
      <link>https://share.transistor.fm/s/a379517f</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 31 Jul 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/a379517f/1250949c.mp3" length="57625844" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>You Cannot Retire Until You Consider These Factors</title>
      <itunes:episode>116</itunes:episode>
      <podcast:episode>116</podcast:episode>
      <itunes:title>You Cannot Retire Until You Consider These Factors</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">dbb6081b-4d45-41a8-9e0b-8f5753f4be9e</guid>
      <link>https://share.transistor.fm/s/7545ff9e</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 24 Jul 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/7545ff9e/eda30818.mp3" length="72026197" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question Of The Month July</title>
      <itunes:episode>115</itunes:episode>
      <podcast:episode>115</podcast:episode>
      <itunes:title>Question Of The Month July</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">2189b6a2-a7d7-4d6b-9435-b5e3d89041a3</guid>
      <link>https://share.transistor.fm/s/a50347f9</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 17 Jul 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/a50347f9/37697c5a.mp3" length="72026200" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>It’s Time for Your Retirement Checkup</title>
      <itunes:episode>114</itunes:episode>
      <podcast:episode>114</podcast:episode>
      <itunes:title>It’s Time for Your Retirement Checkup</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">3daedd70-65a2-43d0-8998-67ad4ecd1464</guid>
      <link>https://share.transistor.fm/s/dbcdb28c</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 10 Jul 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/dbcdb28c/d874bb18.mp3" length="72026197" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Will You Achieve Financial Independence in Retirement?</title>
      <itunes:episode>113</itunes:episode>
      <podcast:episode>113</podcast:episode>
      <itunes:title>Will You Achieve Financial Independence in Retirement?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">afeedb3c-4530-4895-9f51-33e02ca0b5d6</guid>
      <link>https://share.transistor.fm/s/4967e904</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 03 Jul 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/4967e904/90f3f8a3.mp3" length="72026237" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Does Father Always Know Best?</title>
      <itunes:episode>112</itunes:episode>
      <podcast:episode>112</podcast:episode>
      <itunes:title>Does Father Always Know Best?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">8cccb869-77c8-4a55-a2f3-cca831124d0c</guid>
      <link>https://share.transistor.fm/s/dec9a56e</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 26 Jun 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/dec9a56e/bff5713f.mp3" length="72026205" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question of the Month</title>
      <itunes:episode>111</itunes:episode>
      <podcast:episode>111</podcast:episode>
      <itunes:title>Question of the Month</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">49b7652c-0b60-4425-b599-fcf3a6e7887c</guid>
      <link>https://share.transistor.fm/s/644e9081</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 19 Jun 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/644e9081/236f6271.mp3" length="72026209" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>How to Save Your Retirement Plan from Inflation?</title>
      <itunes:episode>110</itunes:episode>
      <podcast:episode>110</podcast:episode>
      <itunes:title>How to Save Your Retirement Plan from Inflation?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">18677c51-4087-40ee-9534-a24cf34765ec</guid>
      <link>https://share.transistor.fm/s/8bcf776c</link>
      <description>
        <![CDATA[<p>There is a word that starts with the letter ‘I’ and that describes a key element in retirement planning very well that also starts with the letter ‘I’.  Unfortunately, most people don’t factor in or consider this key element when it comes to their retirement planning.  The first word is ‘invisible’ and the second word is ‘inflation’.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>There is a word that starts with the letter ‘I’ and that describes a key element in retirement planning very well that also starts with the letter ‘I’.  Unfortunately, most people don’t factor in or consider this key element when it comes to their retirement planning.  The first word is ‘invisible’ and the second word is ‘inflation’.</p>]]>
      </content:encoded>
      <pubDate>Thu, 12 Jun 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/8bcf776c/dd0c35c9.mp3" length="57625847" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>There is a word that starts with the letter ‘I’ and that describes a key element in retirement planning very well that also starts with the letter ‘I’.  Unfortunately, most people don’t factor in or consider this key element when it comes to their retirement planning.  The first word is ‘invisible’ and the second word is ‘inflation’.</p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>How to Save Your Retirement Plan from Inflation?</title>
      <itunes:episode>110</itunes:episode>
      <podcast:episode>110</podcast:episode>
      <itunes:title>How to Save Your Retirement Plan from Inflation?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">e03fa59f-05a3-4119-a3ef-d94385bf1dfa</guid>
      <link>https://share.transistor.fm/s/ddb822ca</link>
      <description>
        <![CDATA[<p>There is a word that starts with the letter ‘I’ and that describes a key element in retirement planning very well that also starts with the letter ‘I’.  Unfortunately, most people don’t factor in or consider this key element when it comes to their retirement planning.  The first word is ‘invisible’ and the second word is ‘inflation’.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>There is a word that starts with the letter ‘I’ and that describes a key element in retirement planning very well that also starts with the letter ‘I’.  Unfortunately, most people don’t factor in or consider this key element when it comes to their retirement planning.  The first word is ‘invisible’ and the second word is ‘inflation’.</p>]]>
      </content:encoded>
      <pubDate>Thu, 12 Jun 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/ddb822ca/84f055af.mp3" length="57625847" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>There is a word that starts with the letter ‘I’ and that describes a key element in retirement planning very well that also starts with the letter ‘I’.  Unfortunately, most people don’t factor in or consider this key element when it comes to their retirement planning.  The first word is ‘invisible’ and the second word is ‘inflation’.</p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Common Threats To A Retirement Plan</title>
      <itunes:episode>109</itunes:episode>
      <podcast:episode>109</podcast:episode>
      <itunes:title>Common Threats To A Retirement Plan</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">fadada88-6616-4e91-85db-6d0d987793ef</guid>
      <link>https://share.transistor.fm/s/23d0bed6</link>
      <description>
        <![CDATA[<p>Do you think your retirement plan is solid? Unfortunately, the best laid retirement plans can run into trouble in retirement. Find out if your retirement plan is at risk to many common threats right now.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Do you think your retirement plan is solid? Unfortunately, the best laid retirement plans can run into trouble in retirement. Find out if your retirement plan is at risk to many common threats right now.</p>]]>
      </content:encoded>
      <pubDate>Thu, 05 Jun 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/23d0bed6/12ee7b2d.mp3" length="57625803" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Do you think your retirement plan is solid? Unfortunately, the best laid retirement plans can run into trouble in retirement. Find out if your retirement plan is at risk to many common threats right now.</p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Look Both Ways Before You Cross The Road To A Roth IRA</title>
      <itunes:episode>108</itunes:episode>
      <podcast:episode>108</podcast:episode>
      <itunes:title>Look Both Ways Before You Cross The Road To A Roth IRA</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">755217fe-f82a-433d-aad1-98ab8f1dad99</guid>
      <link>https://share.transistor.fm/s/919a5aff</link>
      <description>
        <![CDATA[<p>Millions of people are moving money into tax free Roth IRAS in anticipation of higher taxes in the future, and to get as tax efficient as possible. Should you do this as well? Find out right no</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Millions of people are moving money into tax free Roth IRAS in anticipation of higher taxes in the future, and to get as tax efficient as possible. Should you do this as well? Find out right no</p>]]>
      </content:encoded>
      <pubDate>Wed, 28 May 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/919a5aff/3c460cf6.mp3" length="72026231" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Millions of people are moving money into tax free Roth IRAS in anticipation of higher taxes in the future, and to get as tax efficient as possible. Should you do this as well? Find out right no</p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question of the Month</title>
      <itunes:episode>107</itunes:episode>
      <podcast:episode>107</podcast:episode>
      <itunes:title>Question of the Month</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">1b2f0c4a-9770-4406-874d-7d07a4b74c0f</guid>
      <link>https://share.transistor.fm/s/c86ebecf</link>
      <description>
        <![CDATA[<p>It is time for our question and answer show for May, and we have many great questions to answer this month--including one on inheriting an IRA, another on how to protect yourself from identity and credit card theft, and another on how to read and understand a 401K statement. Find out the answer to these questions and many more on the Retirement Money Matters Show, which airs this Sunday morning at 8 right here on WWKI.  </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>It is time for our question and answer show for May, and we have many great questions to answer this month--including one on inheriting an IRA, another on how to protect yourself from identity and credit card theft, and another on how to read and understand a 401K statement. Find out the answer to these questions and many more on the Retirement Money Matters Show, which airs this Sunday morning at 8 right here on WWKI.  </p>]]>
      </content:encoded>
      <pubDate>Thu, 22 May 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/c86ebecf/443f0756.mp3" length="72026215" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>It is time for our question and answer show for May, and we have many great questions to answer this month--including one on inheriting an IRA, another on how to protect yourself from identity and credit card theft, and another on how to read and understand a 401K statement. Find out the answer to these questions and many more on the Retirement Money Matters Show, which airs this Sunday morning at 8 right here on WWKI.  </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>It’s Not About How You Look – It’s Just That You Win</title>
      <itunes:episode>106</itunes:episode>
      <podcast:episode>106</podcast:episode>
      <itunes:title>It’s Not About How You Look – It’s Just That You Win</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">bfb808aa-4981-492b-b406-794e7dbc78b3</guid>
      <link>https://share.transistor.fm/s/ed74329b</link>
      <description>
        <![CDATA[<p><strong>Let me ask you a question. When it comes to investing, are you more about trying to maximize returns to look really good or are you more concerned about being successful? Find out the answer to that question right now.</strong> </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p><strong>Let me ask you a question. When it comes to investing, are you more about trying to maximize returns to look really good or are you more concerned about being successful? Find out the answer to that question right now.</strong> </p>]]>
      </content:encoded>
      <pubDate>Thu, 15 May 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/ed74329b/f403ee20.mp3" length="72026206" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p><strong>Let me ask you a question. When it comes to investing, are you more about trying to maximize returns to look really good or are you more concerned about being successful? Find out the answer to that question right now.</strong> </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Retirement Planning Challenges for Mother’s and Women</title>
      <itunes:episode>105</itunes:episode>
      <podcast:episode>105</podcast:episode>
      <itunes:title>Retirement Planning Challenges for Mother’s and Women</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">166bd008-b09c-46b4-a937-71def58ff903</guid>
      <link>https://share.transistor.fm/s/e6e62c99</link>
      <description>
        <![CDATA[<p><strong>It is one of the most special weekends of the year. It is Mother's Day. So, to honor mothers and women everywhere, we are devoting this show to many challenges women and mother's face when it comes to financial and retirement planning. Find out the solutions right now.</strong> </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p><strong>It is one of the most special weekends of the year. It is Mother's Day. So, to honor mothers and women everywhere, we are devoting this show to many challenges women and mother's face when it comes to financial and retirement planning. Find out the solutions right now.</strong> </p>]]>
      </content:encoded>
      <pubDate>Thu, 08 May 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/e6e62c99/55b11076.mp3" length="72026207" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p><strong>It is one of the most special weekends of the year. It is Mother's Day. So, to honor mothers and women everywhere, we are devoting this show to many challenges women and mother's face when it comes to financial and retirement planning. Find out the solutions right now.</strong> </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Common Misconceptions about Taxes in Retirement </title>
      <itunes:episode>104</itunes:episode>
      <podcast:episode>104</podcast:episode>
      <itunes:title>Common Misconceptions about Taxes in Retirement </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">0896c36b-47b1-4de6-9dbf-d4a8f0c807b9</guid>
      <link>https://share.transistor.fm/s/f16c68bd</link>
      <description>
        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Thu, 01 May 2025 17:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/f16c68bd/81f66be5.mp3" length="43225454" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Do You Hear a Ticking Sound Inside of Your Traditional 401(k), 403(b) Or IRA?</title>
      <itunes:episode>103</itunes:episode>
      <podcast:episode>103</podcast:episode>
      <itunes:title>Do You Hear a Ticking Sound Inside of Your Traditional 401(k), 403(b) Or IRA?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">2d28e93a-63bc-4e72-a29d-abcbb17a564c</guid>
      <link>https://share.transistor.fm/s/bac1b7f0</link>
      <description>
        <![CDATA[<p><strong>Most people's retirement plans hold an asset that is a ticking tax bomb. What can you do about this and how can you diffuse it? Find out right now</strong> </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p><strong>Most people's retirement plans hold an asset that is a ticking tax bomb. What can you do about this and how can you diffuse it? Find out right now</strong> </p>]]>
      </content:encoded>
      <pubDate>Thu, 24 Apr 2025 18:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/bac1b7f0/2fa197c6.mp3" length="57625828" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p><strong>Most people's retirement plans hold an asset that is a ticking tax bomb. What can you do about this and how can you diffuse it? Find out right now</strong> </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question &amp; Answer Show for April 2025</title>
      <itunes:episode>102</itunes:episode>
      <podcast:episode>102</podcast:episode>
      <itunes:title>Question &amp; Answer Show for April 2025</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">ca3b9dc3-30a9-4c8b-adcc-7df150313b52</guid>
      <link>https://share.transistor.fm/s/31e6ed7c</link>
      <description>
        <![CDATA[<p>It's time for our question and answer show for April, and we have many great questions to answer this month. Find out the answer to these questions, right now. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>It's time for our question and answer show for April, and we have many great questions to answer this month. Find out the answer to these questions, right now. </p>]]>
      </content:encoded>
      <pubDate>Thu, 17 Apr 2025 18:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/31e6ed7c/4f8121f4.mp3" length="57625836" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>It's time for our question and answer show for April, and we have many great questions to answer this month. Find out the answer to these questions, right now. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title> Are You Making These Critical Beneficiary Mistakes?</title>
      <itunes:episode>101</itunes:episode>
      <podcast:episode>101</podcast:episode>
      <itunes:title> Are You Making These Critical Beneficiary Mistakes?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">31d7bb6b-fa7a-4026-b683-6c71defd159e</guid>
      <link>https://share.transistor.fm/s/b019f2ba</link>
      <description>
        <![CDATA[<p><strong> How do your assets and money get passed on to your heirs? Most people think they go through a will and or trust. Now. While that may be true for some assets, the majority of assets and money most people have are passed on through beneficiary designations. And unfortunately, many people don't realize this and make some critical mistakes when it comes to naming beneficiaries on their assets. Are you making these mistakes? Find out Right now.</strong> </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p><strong> How do your assets and money get passed on to your heirs? Most people think they go through a will and or trust. Now. While that may be true for some assets, the majority of assets and money most people have are passed on through beneficiary designations. And unfortunately, many people don't realize this and make some critical mistakes when it comes to naming beneficiaries on their assets. Are you making these mistakes? Find out Right now.</strong> </p>]]>
      </content:encoded>
      <pubDate>Thu, 10 Apr 2025 18:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/b019f2ba/5314f632.mp3" length="72026212" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p><strong> How do your assets and money get passed on to your heirs? Most people think they go through a will and or trust. Now. While that may be true for some assets, the majority of assets and money most people have are passed on through beneficiary designations. And unfortunately, many people don't realize this and make some critical mistakes when it comes to naming beneficiaries on their assets. Are you making these mistakes? Find out Right now.</strong> </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Buyouts and Early Retirement Packages</title>
      <itunes:episode>100</itunes:episode>
      <podcast:episode>100</podcast:episode>
      <itunes:title>Buyouts and Early Retirement Packages</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">58a452a2-e6c2-43d3-a0a9-766a85d6fba4</guid>
      <link>https://share.transistor.fm/s/e6b863f5</link>
      <description>
        <![CDATA[<p><strong>Many companies across America are reducing their workforce to save money by offering early buyout opportunities or voluntary retirement. If you are offered one of these packages, how do you determine whether you should take it? Find out right now.</strong> </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p><strong>Many companies across America are reducing their workforce to save money by offering early buyout opportunities or voluntary retirement. If you are offered one of these packages, how do you determine whether you should take it? Find out right now.</strong> </p>]]>
      </content:encoded>
      <pubDate>Thu, 03 Apr 2025 18:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/e6b863f5/87c884cd.mp3" length="57625836" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p><strong>Many companies across America are reducing their workforce to save money by offering early buyout opportunities or voluntary retirement. If you are offered one of these packages, how do you determine whether you should take it? Find out right now.</strong> </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Have You Thought of Everything in Your Retirement?</title>
      <itunes:episode>99</itunes:episode>
      <podcast:episode>99</podcast:episode>
      <itunes:title>Have You Thought of Everything in Your Retirement?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">848450c7-59c8-43bc-b056-10e33680eed9</guid>
      <link>https://share.transistor.fm/s/ed863f13</link>
      <description>
        <![CDATA[<p><strong>Many people think they have thought of everything when it comes to their retirement and estate plan. Unfortunately, that is not the case in most circumstances. Find out why right now.</strong> </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p><strong>Many people think they have thought of everything when it comes to their retirement and estate plan. Unfortunately, that is not the case in most circumstances. Find out why right now.</strong> </p>]]>
      </content:encoded>
      <pubDate>Thu, 27 Mar 2025 18:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/ed863f13/d0c3f654.mp3" length="72026232" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p><strong>Many people think they have thought of everything when it comes to their retirement and estate plan. Unfortunately, that is not the case in most circumstances. Find out why right now.</strong> </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Survive and Advance </title>
      <itunes:episode>98</itunes:episode>
      <podcast:episode>98</podcast:episode>
      <itunes:title>Survive and Advance </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">ea31c570-a40a-4369-bdd9-44ae5e2ff4b7</guid>
      <link>https://share.transistor.fm/s/9f7e2c7f</link>
      <description>
        <![CDATA[<p><strong>Basketball tournament time is back and the theme for this time of the year is to survive and advance. But let me ask you a question.Is your retirement plan set up to survive in advance? Find out right now.</strong> </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p><strong>Basketball tournament time is back and the theme for this time of the year is to survive and advance. But let me ask you a question.Is your retirement plan set up to survive in advance? Find out right now.</strong> </p>]]>
      </content:encoded>
      <pubDate>Thu, 20 Mar 2025 18:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/9f7e2c7f/266400a3.mp3" length="43225434" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p><strong>Basketball tournament time is back and the theme for this time of the year is to survive and advance. But let me ask you a question.Is your retirement plan set up to survive in advance? Find out right now.</strong> </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>March Question and Answer Show</title>
      <itunes:episode>97</itunes:episode>
      <podcast:episode>97</podcast:episode>
      <itunes:title>March Question and Answer Show</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">c84ca720-e536-4223-b696-45a7afdd385c</guid>
      <link>https://share.transistor.fm/s/71daa7c9</link>
      <description>
        <![CDATA[<p><strong>It is time for our question and answer show for March and we have many great questions that have been submitted this month. Find out the answer these questions right now.</strong> </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p><strong>It is time for our question and answer show for March and we have many great questions that have been submitted this month. Find out the answer these questions right now.</strong> </p>]]>
      </content:encoded>
      <pubDate>Thu, 13 Mar 2025 18:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/71daa7c9/6d1d7192.mp3" length="72026212" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p><strong>It is time for our question and answer show for March and we have many great questions that have been submitted this month. Find out the answer these questions right now.</strong> </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>IRA's in Retirement</title>
      <itunes:episode>96</itunes:episode>
      <podcast:episode>96</podcast:episode>
      <itunes:title>IRA's in Retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">5b3b017a-8977-40d0-bc36-f90fd75868fe</guid>
      <link>https://share.transistor.fm/s/389cda64</link>
      <description>
        <![CDATA[<p><strong> </strong>The IRA is one of the main staples of retirement planning. </p><p>In fact, millions of people use IRAS to save for and provide an income in their retirement years. However, many people are not getting as much out of these plans as possible because they don't know as much as they should about IRAS. Find out what you need to know about IRAS right now. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p><strong> </strong>The IRA is one of the main staples of retirement planning. </p><p>In fact, millions of people use IRAS to save for and provide an income in their retirement years. However, many people are not getting as much out of these plans as possible because they don't know as much as they should about IRAS. Find out what you need to know about IRAS right now. </p>]]>
      </content:encoded>
      <pubDate>Thu, 06 Mar 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/389cda64/1eadc016.mp3" length="72026201" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p><strong> </strong>The IRA is one of the main staples of retirement planning. </p><p>In fact, millions of people use IRAS to save for and provide an income in their retirement years. However, many people are not getting as much out of these plans as possible because they don't know as much as they should about IRAS. Find out what you need to know about IRAS right now. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Tax Planning During Tax Season</title>
      <itunes:episode>95</itunes:episode>
      <podcast:episode>95</podcast:episode>
      <itunes:title>Tax Planning During Tax Season</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">de2c9ef0-aaa3-4fc0-ac50-d0cc99fe879c</guid>
      <link>https://share.transistor.fm/s/3f8505c5</link>
      <description>
        <![CDATA[<p><strong>It is tax season and millions of Americans are working on completing their 2024 federal tax returns. What moves? You still make to save tax dollars and or become more tax efficient for last year. Find out right now.</strong> </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p><strong>It is tax season and millions of Americans are working on completing their 2024 federal tax returns. What moves? You still make to save tax dollars and or become more tax efficient for last year. Find out right now.</strong> </p>]]>
      </content:encoded>
      <pubDate>Thu, 27 Feb 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/3f8505c5/d4bb4e3a.mp3" length="57625828" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p><strong>It is tax season and millions of Americans are working on completing their 2024 federal tax returns. What moves? You still make to save tax dollars and or become more tax efficient for last year. Find out right now.</strong> </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question and Answer Show For February </title>
      <itunes:episode>94</itunes:episode>
      <podcast:episode>94</podcast:episode>
      <itunes:title>Question and Answer Show For February </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">7650d383-1c7e-4a8a-ae52-3574a6fccdf2</guid>
      <link>https://share.transistor.fm/s/26794927</link>
      <description>
        <![CDATA[<p>It's time for the question and answer show. find out the answers to your questions right now.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>It's time for the question and answer show. find out the answers to your questions right now.</p>]]>
      </content:encoded>
      <pubDate>Thu, 20 Feb 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/26794927/1d7b3f8a.mp3" length="72026220" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>It's time for the question and answer show. find out the answers to your questions right now.</p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Are You Ready To Retire?</title>
      <itunes:episode>93</itunes:episode>
      <podcast:episode>93</podcast:episode>
      <itunes:title>Are You Ready To Retire?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">32e1bd2c-47c1-43a5-bfb3-e92be55ca0ba</guid>
      <link>https://share.transistor.fm/s/bf5e476f</link>
      <description>
        <![CDATA[<p><br>Towards the beginning of each year, many people think about retirement. </p><p>So, Are you ready or able to retire? Well, there are many factors to consider in evaluating that decision. Find out what these critical factors are right now. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p><br>Towards the beginning of each year, many people think about retirement. </p><p>So, Are you ready or able to retire? Well, there are many factors to consider in evaluating that decision. Find out what these critical factors are right now. </p>]]>
      </content:encoded>
      <pubDate>Thu, 13 Feb 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/bf5e476f/97dddb05.mp3" length="72026206" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p><br>Towards the beginning of each year, many people think about retirement. </p><p>So, Are you ready or able to retire? Well, there are many factors to consider in evaluating that decision. Find out what these critical factors are right now. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Planning For An Early Retirement </title>
      <itunes:episode>92</itunes:episode>
      <podcast:episode>92</podcast:episode>
      <itunes:title>Planning For An Early Retirement </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">a7ee9c47-0ca9-404e-87ed-b46efd2478df</guid>
      <link>https://share.transistor.fm/s/c4381c68</link>
      <description>
        <![CDATA[<p>Many areas of the economy continue to struggle, causing many companies and businesses to cut back and reduce them. So, what should you do to prepare for a potential layoff or early retirement to minimize the effects on your retirement plan? </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Many areas of the economy continue to struggle, causing many companies and businesses to cut back and reduce them. So, what should you do to prepare for a potential layoff or early retirement to minimize the effects on your retirement plan? </p>]]>
      </content:encoded>
      <pubDate>Thu, 06 Feb 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/c4381c68/430a6f46.mp3" length="72026215" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Many areas of the economy continue to struggle, causing many companies and businesses to cut back and reduce them. So, what should you do to prepare for a potential layoff or early retirement to minimize the effects on your retirement plan? </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Key Strategies in Today's Financial World</title>
      <itunes:episode>91</itunes:episode>
      <podcast:episode>91</podcast:episode>
      <itunes:title>Key Strategies in Today's Financial World</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">01f3582e-796c-4af4-ac31-b89f79ed786e</guid>
      <link>https://share.transistor.fm/s/02a8ef80</link>
      <description>
        <![CDATA[<p>Today's financial world is changing quickly and dramatically, but are the key strategic moves you may very well need to make to protect and maximize your retirement plan. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Today's financial world is changing quickly and dramatically, but are the key strategic moves you may very well need to make to protect and maximize your retirement plan. </p>]]>
      </content:encoded>
      <pubDate>Thu, 30 Jan 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/02a8ef80/1a7ea466.mp3" length="72026223" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Today's financial world is changing quickly and dramatically, but are the key strategic moves you may very well need to make to protect and maximize your retirement plan. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question and Answer Show for January </title>
      <itunes:episode>90</itunes:episode>
      <podcast:episode>90</podcast:episode>
      <itunes:title>Question and Answer Show for January </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">9100a164-740b-40d3-83ab-43a1a312ca0a</guid>
      <link>https://share.transistor.fm/s/99bf1b44</link>
      <description>
        <![CDATA[<p>Well, it's time for our question-and-answer show for January and we have many great questions to answer this month. Find out the answer to these questions right now. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Well, it's time for our question-and-answer show for January and we have many great questions to answer this month. Find out the answer to these questions right now. </p>]]>
      </content:encoded>
      <pubDate>Thu, 23 Jan 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/99bf1b44/14cc8c54.mp3" length="72026219" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Well, it's time for our question-and-answer show for January and we have many great questions to answer this month. Find out the answer to these questions right now. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>The Secure Act 2.0</title>
      <itunes:episode>89</itunes:episode>
      <podcast:episode>89</podcast:episode>
      <itunes:title>The Secure Act 2.0</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">3af45d4c-4e1f-4cf4-b14a-cff456b60ac5</guid>
      <link>https://share.transistor.fm/s/72ad46c9</link>
      <description>
        <![CDATA[<p>Are you ready for more change? I certainly hope so, because Congress recently approved the Secure Act 2.0 law, which brings many changes to the financial and retirement planning arena. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Are you ready for more change? I certainly hope so, because Congress recently approved the Secure Act 2.0 law, which brings many changes to the financial and retirement planning arena. </p>]]>
      </content:encoded>
      <pubDate>Thu, 16 Jan 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/72ad46c9/fbf2da18.mp3" length="43225432" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Are you ready for more change? I certainly hope so, because Congress recently approved the Secure Act 2.0 law, which brings many changes to the financial and retirement planning arena. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>New Year New Rules in Your Retirement</title>
      <itunes:episode>88</itunes:episode>
      <podcast:episode>88</podcast:episode>
      <itunes:title>New Year New Rules in Your Retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">d4168959-3f9d-469e-b331-da324cd181fd</guid>
      <link>https://share.transistor.fm/s/3cba2673</link>
      <description>
        <![CDATA[<p>Well, a New Year's here and that means new rules, new laws and contribution guidelines. Find out what these are to get your retirement plan updated properly right now. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Well, a New Year's here and that means new rules, new laws and contribution guidelines. Find out what these are to get your retirement plan updated properly right now. </p>]]>
      </content:encoded>
      <pubDate>Thu, 09 Jan 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/3cba2673/046280b4.mp3" length="72026219" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Well, a New Year's here and that means new rules, new laws and contribution guidelines. Find out what these are to get your retirement plan updated properly right now. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>New Year's Resolution for Your Retirement </title>
      <itunes:episode>87</itunes:episode>
      <podcast:episode>87</podcast:episode>
      <itunes:title>New Year's Resolution for Your Retirement </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">3e46480f-301c-4616-879d-4a37eee8c80a</guid>
      <link>https://share.transistor.fm/s/5e2ae189</link>
      <description>
        <![CDATA[<p>Well, it's a new year and that means time for New Year's resolutions. So, what financial New Year's resolutions do you need to make this year for your retirement plan? </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Well, it's a new year and that means time for New Year's resolutions. So, what financial New Year's resolutions do you need to make this year for your retirement plan? </p>]]>
      </content:encoded>
      <pubDate>Thu, 02 Jan 2025 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/5e2ae189/246f4ed5.mp3" length="72027184" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Well, it's a new year and that means time for New Year's resolutions. So, what financial New Year's resolutions do you need to make this year for your retirement plan? </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question and Answer Show for December</title>
      <itunes:episode>86</itunes:episode>
      <podcast:episode>86</podcast:episode>
      <itunes:title>Question and Answer Show for December</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">558c955e-4648-45a5-aa7f-2e27dfa38d62</guid>
      <link>https://share.transistor.fm/s/ea863285</link>
      <description>
        <![CDATA[<p>It is time for our question and answer show for December that we have many great questions answered from our readers and listeners.Find out the answer to these questions right now. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>It is time for our question and answer show for December that we have many great questions answered from our readers and listeners.Find out the answer to these questions right now. </p>]]>
      </content:encoded>
      <pubDate>Thu, 19 Dec 2024 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/ea863285/0207cba1.mp3" length="72026219" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>It is time for our question and answer show for December that we have many great questions answered from our readers and listeners.Find out the answer to these questions right now. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Long Term Value in Gifts</title>
      <itunes:episode>85</itunes:episode>
      <podcast:episode>85</podcast:episode>
      <itunes:title>Long Term Value in Gifts</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">9cd4e45c-4f85-405b-b798-cd81ff337dc2</guid>
      <link>https://share.transistor.fm/s/6b2e6e7b</link>
      <description>
        <![CDATA[<p>Well, the holiday gift giving season is here, but unfortunately most gifts given offer no real long-term value for the giver or the recipient. Find out how to change this right now. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Well, the holiday gift giving season is here, but unfortunately most gifts given offer no real long-term value for the giver or the recipient. Find out how to change this right now. </p>]]>
      </content:encoded>
      <pubDate>Fri, 06 Dec 2024 10:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/6b2e6e7b/bb798487.mp3" length="72027166" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Well, the holiday gift giving season is here, but unfortunately most gifts given offer no real long-term value for the giver or the recipient. Find out how to change this right now. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Year-End Deadline</title>
      <itunes:episode>84</itunes:episode>
      <podcast:episode>84</podcast:episode>
      <itunes:title>Year-End Deadline</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">a1840509-f038-4541-8695-d597b31d3157</guid>
      <link>https://share.transistor.fm/s/113e5bc9</link>
      <description>
        <![CDATA[<p>There is a year-end deadline coming up for some very big decisions. Many pre retirees and retirees need to make find out what these big decisions are right now. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>There is a year-end deadline coming up for some very big decisions. Many pre retirees and retirees need to make find out what these big decisions are right now. </p>]]>
      </content:encoded>
      <pubDate>Thu, 28 Nov 2024 17:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/113e5bc9/d8896101.mp3" length="72026219" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>There is a year-end deadline coming up for some very big decisions. Many pre retirees and retirees need to make find out what these big decisions are right now. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Medicare, Social Security, Financial Advice</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Finding the Right Help</title>
      <itunes:episode>83</itunes:episode>
      <podcast:episode>83</podcast:episode>
      <itunes:title>Finding the Right Help</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">20852183-a9d1-4668-8688-ae5dc7612fb0</guid>
      <link>https://share.transistor.fm/s/7479b46d</link>
      <description>
        <![CDATA[<p>Having the proper professional help in building and maintaining a retirement plan is vitally important, but how do you find that help? Find out right now. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Having the proper professional help in building and maintaining a retirement plan is vitally important, but how do you find that help? Find out right now. </p>]]>
      </content:encoded>
      <pubDate>Fri, 22 Nov 2024 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/7479b46d/68db9919.mp3" length="72003318" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Having the proper professional help in building and maintaining a retirement plan is vitally important, but how do you find that help? Find out right now. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>November Question and Answer Show</title>
      <itunes:episode>82</itunes:episode>
      <podcast:episode>82</podcast:episode>
      <itunes:title>November Question and Answer Show</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">ed18999f-12b4-4047-b317-ff29513dd453</guid>
      <link>https://share.transistor.fm/s/f1a29deb</link>
      <description>
        <![CDATA[Well, it's time for our question and answer show for November. Find out the answers to many great retirement planning questions right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[Well, it's time for our question and answer show for November. Find out the answers to many great retirement planning questions right now. ]]>
      </content:encoded>
      <pubDate>Fri, 15 Nov 2024 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/f1a29deb/8c690016.mp3" length="72003329" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[Well, it's time for our question and answer show for November. Find out the answers to many great retirement planning questions right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>End of the Year Planning</title>
      <itunes:episode>81</itunes:episode>
      <podcast:episode>81</podcast:episode>
      <itunes:title>End of the Year Planning</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">8def6492-1239-4d1e-b70d-92f85060dd3d</guid>
      <link>https://share.transistor.fm/s/cc73eb91</link>
      <description>
        <![CDATA[Time is running out on the year 2024 and there are some critical retirement planning moves you have to or may need to make by the end of the year. If you fail to make these moves in time, you will lose money in the form of penalties, taxes or lost opportunity costs. Find out what these requirements and moves are right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[Time is running out on the year 2024 and there are some critical retirement planning moves you have to or may need to make by the end of the year. If you fail to make these moves in time, you will lose money in the form of penalties, taxes or lost opportunity costs. Find out what these requirements and moves are right now. ]]>
      </content:encoded>
      <pubDate>Fri, 08 Nov 2024 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/cc73eb91/39d19a74.mp3" length="72003320" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[Time is running out on the year 2024 and there are some critical retirement planning moves you have to or may need to make by the end of the year. If you fail to make these moves in time, you will lose money in the form of penalties, taxes or lost opportunity costs. Find out what these requirements and moves are right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Major Traps in Retirement</title>
      <itunes:episode>80</itunes:episode>
      <podcast:episode>80</podcast:episode>
      <itunes:title>Major Traps in Retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">3ccfd69e-e268-42e4-8b97-7df6f6e3bebf</guid>
      <link>https://share.transistor.fm/s/d5854fa6</link>
      <description>
        <![CDATA[Getting to and surviving retirement can be like navigating your way through a minefield. What do you need to know and how are you going to avoid some major traps and survive? Find out, right? ]]>
      </description>
      <content:encoded>
        <![CDATA[Getting to and surviving retirement can be like navigating your way through a minefield. What do you need to know and how are you going to avoid some major traps and survive? Find out, right? ]]>
      </content:encoded>
      <pubDate>Fri, 01 Nov 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/d5854fa6/44d106db.mp3" length="72003321" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[Getting to and surviving retirement can be like navigating your way through a minefield. What do you need to know and how are you going to avoid some major traps and survive? Find out, right? ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Tricks or Treats in Your Retirement Plan</title>
      <itunes:episode>79</itunes:episode>
      <podcast:episode>79</podcast:episode>
      <itunes:title>Tricks or Treats in Your Retirement Plan</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">bb04cb20-8e5d-4aa5-b21b-6c80519e49e9</guid>
      <link>https://share.transistor.fm/s/1073c0d0</link>
      <description>
        <![CDATA[It’s Halloween week, which means it’s trick or treat season. Are the tools and strategies you are using for your retirement plan, giving you a great retirement treat or are they costly tricks in your retirement plan? Find out right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[It’s Halloween week, which means it’s trick or treat season. Are the tools and strategies you are using for your retirement plan, giving you a great retirement treat or are they costly tricks in your retirement plan? Find out right now. ]]>
      </content:encoded>
      <pubDate>Fri, 25 Oct 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/1073c0d0/8d5a433f.mp3" length="72003336" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[It’s Halloween week, which means it’s trick or treat season. Are the tools and strategies you are using for your retirement plan, giving you a great retirement treat or are they costly tricks in your retirement plan? Find out right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Terrors in the Financial World</title>
      <itunes:episode>78</itunes:episode>
      <podcast:episode>78</podcast:episode>
      <itunes:title>Terrors in the Financial World</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">39a24c2c-5761-4b63-9378-bda4fc39b982</guid>
      <link>https://share.transistor.fm/s/80f14856</link>
      <description>
        <![CDATA[Well, next week is Halloween week. You know, Halloween is a made-up theme that there are many scary things happening right now in the financial world that are very real. Find out what these are right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[Well, next week is Halloween week. You know, Halloween is a made-up theme that there are many scary things happening right now in the financial world that are very real. Find out what these are right now. ]]>
      </content:encoded>
      <pubDate>Fri, 18 Oct 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/80f14856/535456f8.mp3" length="72003326" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[Well, next week is Halloween week. You know, Halloween is a made-up theme that there are many scary things happening right now in the financial world that are very real. Find out what these are right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>October Question and Answer Show</title>
      <itunes:episode>77</itunes:episode>
      <podcast:episode>77</podcast:episode>
      <itunes:title>October Question and Answer Show</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">4fc0ac0c-b493-4242-9d5d-a02a131a2d55</guid>
      <link>https://share.transistor.fm/s/37684c27</link>
      <description>
        <![CDATA[Well, it's time for our question-and-answer show for October, find out the answers to many great retirement planning questions right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[Well, it's time for our question-and-answer show for October, find out the answers to many great retirement planning questions right now. ]]>
      </content:encoded>
      <pubDate>Fri, 11 Oct 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/37684c27/291bf99e.mp3" length="71998528" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1800</itunes:duration>
      <itunes:summary>
        <![CDATA[Well, it's time for our question-and-answer show for October, find out the answers to many great retirement planning questions right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Inherited Stretch IRA changed by the Secure Act</title>
      <itunes:episode>76</itunes:episode>
      <podcast:episode>76</podcast:episode>
      <itunes:title>Inherited Stretch IRA changed by the Secure Act</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">dc8a76d3-8e57-475e-83c7-a1990884c65e</guid>
      <link>https://share.transistor.fm/s/19dc1248</link>
      <description>
        <![CDATA[The original inherited stretch IRA has been dramatically changed by the Secure Act that went into effect at the beginning of 2020. So now what do you do? Find out right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[The original inherited stretch IRA has been dramatically changed by the Secure Act that went into effect at the beginning of 2020. So now what do you do? Find out right now. ]]>
      </content:encoded>
      <pubDate>Fri, 04 Oct 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/19dc1248/2607b8b2.mp3" length="72003343" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[The original inherited stretch IRA has been dramatically changed by the Secure Act that went into effect at the beginning of 2020. So now what do you do? Find out right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Are you up to date with your Retirement Planning?</title>
      <itunes:episode>75</itunes:episode>
      <podcast:episode>75</podcast:episode>
      <itunes:title>Are you up to date with your Retirement Planning?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">f93416e6-38fd-4b4b-b011-95f41899d1d4</guid>
      <link>https://share.transistor.fm/s/4d5503b3</link>
      <description>
        <![CDATA[Let me ask you a question. Is your knowledge and education up to date regarding retirement planning? Find out right now as we're going to give you a retirement test. ]]>
      </description>
      <content:encoded>
        <![CDATA[Let me ask you a question. Is your knowledge and education up to date regarding retirement planning? Find out right now as we're going to give you a retirement test. ]]>
      </content:encoded>
      <pubDate>Fri, 27 Sep 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/4d5503b3/f42abedc.mp3" length="72003345" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[Let me ask you a question. Is your knowledge and education up to date regarding retirement planning? Find out right now as we're going to give you a retirement test. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Legacy Planning</title>
      <itunes:episode>74</itunes:episode>
      <podcast:episode>74</podcast:episode>
      <itunes:title>Legacy Planning</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">ae537cd8-6b50-4e02-9fdc-03bb9e4c0abf</guid>
      <link>https://share.transistor.fm/s/57ccbe2e</link>
      <description>
        <![CDATA[A lot of things change when someone loses their spouse. Their retirement plan is no different. Do you know what happens to your retirement plan when your spouse passes away? Find out right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[A lot of things change when someone loses their spouse. Their retirement plan is no different. Do you know what happens to your retirement plan when your spouse passes away? Find out right now. ]]>
      </content:encoded>
      <pubDate>Fri, 20 Sep 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/57ccbe2e/75524f24.mp3" length="72003311" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[A lot of things change when someone loses their spouse. Their retirement plan is no different. Do you know what happens to your retirement plan when your spouse passes away? Find out right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question and Answer Show for September</title>
      <itunes:episode>73</itunes:episode>
      <podcast:episode>73</podcast:episode>
      <itunes:title>Question and Answer Show for September</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">c816c704-d080-4525-88b5-d6e71b51eafe</guid>
      <link>https://share.transistor.fm/s/ed13e447</link>
      <description>
        <![CDATA[It's time for our question and answer show for September and we have many great questions to answer this month. Find out the answer to these questions right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[It's time for our question and answer show for September and we have many great questions to answer this month. Find out the answer to these questions right now. ]]>
      </content:encoded>
      <pubDate>Mon, 16 Sep 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/ed13e447/f916c049.mp3" length="72003334" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[It's time for our question and answer show for September and we have many great questions to answer this month. Find out the answer to these questions right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Rules on Inheriting Assets and Money</title>
      <itunes:episode>72</itunes:episode>
      <podcast:episode>72</podcast:episode>
      <itunes:title>Rules on Inheriting Assets and Money</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">acc11173-a753-46c5-a6c2-d94af0b7a3d2</guid>
      <link>https://share.transistor.fm/s/39b84669</link>
      <description>
        <![CDATA[Many rules for inheriting assets and money have changed and more rules may be changing soon. So now what do you do? Find out right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[Many rules for inheriting assets and money have changed and more rules may be changing soon. So now what do you do? Find out right now. ]]>
      </content:encoded>
      <pubDate>Fri, 06 Sep 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/39b84669/505f7ce1.mp3" length="72003332" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[Many rules for inheriting assets and money have changed and more rules may be changing soon. So now what do you do? Find out right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Social Security Benefits</title>
      <itunes:episode>71</itunes:episode>
      <podcast:episode>71</podcast:episode>
      <itunes:title>Social Security Benefits</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">10937b69-072b-400f-8f36-2d4bc761c412</guid>
      <link>https://share.transistor.fm/s/57e4359d</link>
      <description>
        <![CDATA[A recent survey says that most people do not understand all the different factors that affect their Social Security benefits, including taxation. Do you find out right now? ]]>
      </description>
      <content:encoded>
        <![CDATA[A recent survey says that most people do not understand all the different factors that affect their Social Security benefits, including taxation. Do you find out right now? ]]>
      </content:encoded>
      <pubDate>Fri, 30 Aug 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/57e4359d/c2e321b2.mp3" length="72003320" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[A recent survey says that most people do not understand all the different factors that affect their Social Security benefits, including taxation. Do you find out right now? ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Retirement Rules and Staples That Don’t Apply Anymore</title>
      <itunes:episode>70</itunes:episode>
      <podcast:episode>70</podcast:episode>
      <itunes:title>Retirement Rules and Staples That Don’t Apply Anymore</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">a6f23c0a-b2b4-4733-9f71-df85f4d6a8e4</guid>
      <link>https://share.transistor.fm/s/99032eda</link>
      <description>
        <![CDATA[The world of Retirement State Planning today is much different from the past. In fact, there are several old common and understood retirement rules that no longer apply in today's retirement world. By not what these are right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[The world of Retirement State Planning today is much different from the past. In fact, there are several old common and understood retirement rules that no longer apply in today's retirement world. By not what these are right now. ]]>
      </content:encoded>
      <pubDate>Fri, 23 Aug 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/99032eda/d43a53ad.mp3" length="72005324" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[The world of Retirement State Planning today is much different from the past. In fact, there are several old common and understood retirement rules that no longer apply in today's retirement world. By not what these are right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>August Q&amp;A</title>
      <itunes:episode>69</itunes:episode>
      <podcast:episode>69</podcast:episode>
      <itunes:title>August Q&amp;A</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">377b4eca-7e5e-410d-9a70-3876452d9aa5</guid>
      <link>https://share.transistor.fm/s/613d7eff</link>
      <description>
        <![CDATA[<p>It is time for our question-and-answer show for August and we have many great questions answered this month. Find out the answer to these questions right now. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>It is time for our question-and-answer show for August and we have many great questions answered this month. Find out the answer to these questions right now. </p>]]>
      </content:encoded>
      <pubDate>Fri, 16 Aug 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/613d7eff/abb57586.mp3" length="72003310" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>It is time for our question-and-answer show for August and we have many great questions answered this month. Find out the answer to these questions right now. </p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Proper Planning</title>
      <itunes:episode>68</itunes:episode>
      <podcast:episode>68</podcast:episode>
      <itunes:title>Proper Planning</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">b35b1899-9f73-42f9-a993-5b582f278392</guid>
      <link>https://share.transistor.fm/s/6b6827b6</link>
      <description>
        <![CDATA[You know, many people say life comes down to just a few moments. Now, I'm not so sure about that. But I do know your retirement plan comes down to the proper knowledge and understanding of some very important key dates and ages. Find out what these are right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[You know, many people say life comes down to just a few moments. Now, I'm not so sure about that. But I do know your retirement plan comes down to the proper knowledge and understanding of some very important key dates and ages. Find out what these are right now. ]]>
      </content:encoded>
      <pubDate>Fri, 09 Aug 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/6b6827b6/523d8988.mp3" length="72003311" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[You know, many people say life comes down to just a few moments. Now, I'm not so sure about that. But I do know your retirement plan comes down to the proper knowledge and understanding of some very important key dates and ages. Find out what these are right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Back to School</title>
      <itunes:episode>67</itunes:episode>
      <podcast:episode>67</podcast:episode>
      <itunes:title>Back to School</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">064c8f73-c263-42e9-b5f1-70c3a5a9ec11</guid>
      <link>https://share.transistor.fm/s/4f21e548</link>
      <description>
        <![CDATA[It's back to school time. Back to school. Time is not just for kids anymore. It's also back to school. Time for your retirement plan. Find out why right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[It's back to school time. Back to school. Time is not just for kids anymore. It's also back to school. Time for your retirement plan. Find out why right now. ]]>
      </content:encoded>
      <pubDate>Fri, 02 Aug 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/4f21e548/186fa9b1.mp3" length="72003310" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[It's back to school time. Back to school. Time is not just for kids anymore. It's also back to school. Time for your retirement plan. Find out why right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Overlooked Factors about Retirement</title>
      <itunes:episode>66</itunes:episode>
      <podcast:episode>66</podcast:episode>
      <itunes:title>Overlooked Factors about Retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">1e55df23-cb2f-4264-b0f7-158b7e5e9e40</guid>
      <link>https://share.transistor.fm/s/f6451b25</link>
      <description>
        <![CDATA[Thinking about retirement, well, you absolutely cannot retire until you consider these often overlooked factors. Find out what they are right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[Thinking about retirement, well, you absolutely cannot retire until you consider these often overlooked factors. Find out what they are right now. ]]>
      </content:encoded>
      <pubDate>Fri, 26 Jul 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/f6451b25/fb0d9cc1.mp3" length="72003331" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[Thinking about retirement, well, you absolutely cannot retire until you consider these often overlooked factors. Find out what they are right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Midyear Review for 2024</title>
      <itunes:episode>65</itunes:episode>
      <podcast:episode>65</podcast:episode>
      <itunes:title>Midyear Review for 2024</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">ef431e29-f92e-40bd-bfe0-5d41184e0a5b</guid>
      <link>https://share.transistor.fm/s/be9c1076</link>
      <description>
        <![CDATA[How is your retirement plan doing this year, and what can you expect for the second-half of the year as it relates to your retirement plan? Find out right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[How is your retirement plan doing this year, and what can you expect for the second-half of the year as it relates to your retirement plan? Find out right now. ]]>
      </content:encoded>
      <pubDate>Fri, 19 Jul 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/be9c1076/7908f4ea.mp3" length="72003319" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[How is your retirement plan doing this year, and what can you expect for the second-half of the year as it relates to your retirement plan? Find out right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>July Question and Answer Show</title>
      <itunes:episode>64</itunes:episode>
      <podcast:episode>64</podcast:episode>
      <itunes:title>July Question and Answer Show</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">3202e84a-13b9-490a-99c7-191e7b119583</guid>
      <link>https://share.transistor.fm/s/82121633</link>
      <description>
        <![CDATA[It is time for our question and answer show for July and we have many great questions to answer this month. Find out the answer to these questions right now. ]]>
      </description>
      <content:encoded>
        <![CDATA[It is time for our question and answer show for July and we have many great questions to answer this month. Find out the answer to these questions right now. ]]>
      </content:encoded>
      <pubDate>Fri, 12 Jul 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/82121633/6dc00988.mp3" length="72003325" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[It is time for our question and answer show for July and we have many great questions to answer this month. Find out the answer to these questions right now. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Mid Year Retirement Checkout</title>
      <itunes:episode>63</itunes:episode>
      <podcast:episode>63</podcast:episode>
      <itunes:title>Mid Year Retirement Checkout</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">297e130b-9e86-4981-b1f1-4eb5dd8633d5</guid>
      <link>https://share.transistor.fm/s/c1587ac8</link>
      <description>
        <![CDATA[What kind of shape is your retirement plan in? Find out right now because it's time for your mid year retirement checkout. ]]>
      </description>
      <content:encoded>
        <![CDATA[What kind of shape is your retirement plan in? Find out right now because it's time for your mid year retirement checkout. ]]>
      </content:encoded>
      <pubDate>Wed, 03 Jul 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/c1587ac8/e1036262.mp3" length="72003324" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[What kind of shape is your retirement plan in? Find out right now because it's time for your mid year retirement checkout. ]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Financial Independence</title>
      <itunes:episode>62</itunes:episode>
      <podcast:episode>62</podcast:episode>
      <itunes:title>Financial Independence</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">ef1e2ce8-8a9c-40f6-9bed-2f11742a1d18</guid>
      <link>https://share.transistor.fm/s/37485c8b</link>
      <description>
        <![CDATA[This week we will be celebrating the birthday of the United States of America and our nation's independence. But what about your retirement? Are you going to be able to obtain financial independence? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[This week we will be celebrating the birthday of the United States of America and our nation's independence. But what about your retirement? Are you going to be able to obtain financial independence? Find out right now.]]>
      </content:encoded>
      <pubDate>Thu, 27 Jun 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/37485c8b/acfc8732.mp3" length="72003318" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[This week we will be celebrating the birthday of the United States of America and our nation's independence. But what about your retirement? Are you going to be able to obtain financial independence? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question and Answer Show for June</title>
      <itunes:episode>61</itunes:episode>
      <podcast:episode>61</podcast:episode>
      <itunes:title>Question and Answer Show for June</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">07520b7d-998b-4ee9-a8cf-41aa8de7fe7f</guid>
      <link>https://share.transistor.fm/s/8515d4ac</link>
      <description>
        <![CDATA[It’s time for our Question and Answer Show for June, and we have many great questions to answer this month. Find out the answer to these questions right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It’s time for our Question and Answer Show for June, and we have many great questions to answer this month. Find out the answer to these questions right now.]]>
      </content:encoded>
      <pubDate>Fri, 21 Jun 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/8515d4ac/3440a094.mp3" length="72003329" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[It’s time for our Question and Answer Show for June, and we have many great questions to answer this month. Find out the answer to these questions right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Does Father Know Best?</title>
      <itunes:episode>60</itunes:episode>
      <podcast:episode>60</podcast:episode>
      <itunes:title>Does Father Know Best?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">06ffac7a-7caf-4a75-a249-081dc5729ce6</guid>
      <link>https://share.transistor.fm/s/1a1925f4</link>
      <description>
        <![CDATA[It’s Father’s Day Weekend, and I’m sure you’ve heard the old adage that “Father Knows Best”. But does Father know best in today’s financial world? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It’s Father’s Day Weekend, and I’m sure you’ve heard the old adage that “Father Knows Best”. But does Father know best in today’s financial world? Find out right now.]]>
      </content:encoded>
      <pubDate>Sun, 16 Jun 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/1a1925f4/3d0e3b4e.mp3" length="72003318" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[It’s Father’s Day Weekend, and I’m sure you’ve heard the old adage that “Father Knows Best”. But does Father know best in today’s financial world? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>How to Save Your Retirement Plan from Inflation?</title>
      <itunes:episode>59</itunes:episode>
      <podcast:episode>59</podcast:episode>
      <itunes:title>How to Save Your Retirement Plan from Inflation?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">6c344c3d-950b-4de1-93c0-9ff3003285ba</guid>
      <link>https://share.transistor.fm/s/71d87aac</link>
      <description>
        <![CDATA[Believe it or not, one of the biggest threats to your retirement plan is inflation. Inflation is continuing to rear its ugly head. What can you do to protect your retirement plan? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Believe it or not, one of the biggest threats to your retirement plan is inflation. Inflation is continuing to rear its ugly head. What can you do to protect your retirement plan? Find out right now.]]>
      </content:encoded>
      <pubDate>Thu, 06 Jun 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/71d87aac/ab6545bd.mp3" length="72003344" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[Believe it or not, one of the biggest threats to your retirement plan is inflation. Inflation is continuing to rear its ugly head. What can you do to protect your retirement plan? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Common Threats to a Retirement Plan</title>
      <itunes:episode>58</itunes:episode>
      <podcast:episode>58</podcast:episode>
      <itunes:title>Common Threats to a Retirement Plan</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">4c34c307-070b-4ca8-8c21-67192789e962</guid>
      <link>https://share.transistor.fm/s/4860b285</link>
      <description>
        <![CDATA[Do you think your retirement plan is solid? Unfortunately, even the best-laid retirement plans can run into trouble in retirement. Find out if your retirement plan is at threat to many of these common risks right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Do you think your retirement plan is solid? Unfortunately, even the best-laid retirement plans can run into trouble in retirement. Find out if your retirement plan is at threat to many of these common risks right now.]]>
      </content:encoded>
      <pubDate>Sun, 02 Jun 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/4860b285/3402380b.mp3" length="72003331" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[Do you think your retirement plan is solid? Unfortunately, even the best-laid retirement plans can run into trouble in retirement. Find out if your retirement plan is at threat to many of these common risks right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Look Both Ways Before You Cross The Road To A Roth IRA</title>
      <itunes:episode>57</itunes:episode>
      <podcast:episode>57</podcast:episode>
      <itunes:title>Look Both Ways Before You Cross The Road To A Roth IRA</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">7b30823a-bcea-42c2-8dea-29543794d3ad</guid>
      <link>https://share.transistor.fm/s/f52807d4</link>
      <description>
        <![CDATA[Millions of people are moving money into tax-free Roth IRAs in anticipation of higher taxes in the future. So, should you do this as well? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Millions of people are moving money into tax-free Roth IRAs in anticipation of higher taxes in the future. So, should you do this as well? Find out right now.]]>
      </content:encoded>
      <pubDate>Sun, 26 May 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/f52807d4/144c91e5.mp3" length="72003350" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1801</itunes:duration>
      <itunes:summary>
        <![CDATA[Millions of people are moving money into tax-free Roth IRAs in anticipation of higher taxes in the future. So, should you do this as well? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>May Question and Answer Show</title>
      <itunes:episode>56</itunes:episode>
      <podcast:episode>56</podcast:episode>
      <itunes:title>May Question and Answer Show</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">58398c40-1544-4739-add0-20cd2f449eea</guid>
      <link>https://share.transistor.fm/s/e367d6fe</link>
      <description>
        <![CDATA[It is time for our Question and Answer Show for May. We have many great questions to answer this month. Find out the answer to these questions right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It is time for our Question and Answer Show for May. We have many great questions to answer this month. Find out the answer to these questions right now.]]>
      </content:encoded>
      <pubDate>Thu, 16 May 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/e367d6fe/79232cb4.mp3" length="27765385" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1736</itunes:duration>
      <itunes:summary>
        <![CDATA[It is time for our Question and Answer Show for May. We have many great questions to answer this month. Find out the answer to these questions right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Mothers and Women Face Many Challenges</title>
      <itunes:episode>55</itunes:episode>
      <podcast:episode>55</podcast:episode>
      <itunes:title>Mothers and Women Face Many Challenges</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">ba0ae2b6-a8ec-4218-a8db-f9c40effff37</guid>
      <link>https://share.transistor.fm/s/a4c8a1f0</link>
      <description>
        <![CDATA[This weekend is one of the most special weekends of the year. It is Mother’s Day, and in honor of mothers and women everywhere, we are devoting this show to the many challenges many women and mothers face when it comes to financial and retirement planning. Find out the solutions right now.]]>
      </description>
      <content:encoded>
        <![CDATA[This weekend is one of the most special weekends of the year. It is Mother’s Day, and in honor of mothers and women everywhere, we are devoting this show to the many challenges many women and mothers face when it comes to financial and retirement planning. Find out the solutions right now.]]>
      </content:encoded>
      <pubDate>Fri, 10 May 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/a4c8a1f0/953effcd.mp3" length="29159707" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1823</itunes:duration>
      <itunes:summary>
        <![CDATA[This weekend is one of the most special weekends of the year. It is Mother’s Day, and in honor of mothers and women everywhere, we are devoting this show to the many challenges many women and mothers face when it comes to financial and retirement planning. Find out the solutions right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>It’s Not How You Look; Just That You Win</title>
      <itunes:episode>54</itunes:episode>
      <podcast:episode>54</podcast:episode>
      <itunes:title>It’s Not How You Look; Just That You Win</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">12fc38f4-85c2-4e04-915c-29d3521a9264</guid>
      <link>https://share.transistor.fm/s/7f7ae5ce</link>
      <description>
        <![CDATA[Let me ask you a question: When it comes to investing are you more about looking good and following the trends, or are you more concerned about being successful? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Let me ask you a question: When it comes to investing are you more about looking good and following the trends, or are you more concerned about being successful? Find out right now.]]>
      </content:encoded>
      <pubDate>Wed, 01 May 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/7f7ae5ce/b6b35b4d.mp3" length="28880136" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1805</itunes:duration>
      <itunes:summary>
        <![CDATA[Let me ask you a question: When it comes to investing are you more about looking good and following the trends, or are you more concerned about being successful? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>April Question and Answer Show</title>
      <itunes:episode>53</itunes:episode>
      <podcast:episode>53</podcast:episode>
      <itunes:title>April Question and Answer Show</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">06ef000b-1e0c-4f25-abb1-8b16b27f4bb5</guid>
      <link>https://share.transistor.fm/s/021ecd9e</link>
      <description>
        <![CDATA[Well, it’s time for our Question and Answer show for April. We have many great questions to answer this month, find out the answer to these questions right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Well, it’s time for our Question and Answer show for April. We have many great questions to answer this month, find out the answer to these questions right now.]]>
      </content:encoded>
      <pubDate>Mon, 22 Apr 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/021ecd9e/a2a17518.mp3" length="28315840" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1770</itunes:duration>
      <itunes:summary>
        <![CDATA[Well, it’s time for our Question and Answer show for April. We have many great questions to answer this month, find out the answer to these questions right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>A Ticking Tax-Bomb</title>
      <itunes:episode>52</itunes:episode>
      <podcast:episode>52</podcast:episode>
      <itunes:title>A Ticking Tax-Bomb</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">ec0c1e8d-f909-4b69-9f70-6ca139549312</guid>
      <link>https://share.transistor.fm/s/fd4c4555</link>
      <description>
        <![CDATA[Most people’s retirement plans hold an asset that is a ticking tax bomb. What can you do about this and how can you de-fuse it? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Most people’s retirement plans hold an asset that is a ticking tax bomb. What can you do about this and how can you de-fuse it? Find out right now.]]>
      </content:encoded>
      <pubDate>Fri, 12 Apr 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/fd4c4555/130588d0.mp3" length="27062368" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1692</itunes:duration>
      <itunes:summary>
        <![CDATA[Most people’s retirement plans hold an asset that is a ticking tax bomb. What can you do about this and how can you de-fuse it? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Critical Beneficiary Naming Mistakes</title>
      <itunes:episode>51</itunes:episode>
      <podcast:episode>51</podcast:episode>
      <itunes:title>Critical Beneficiary Naming Mistakes</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">b922abb9-65bd-4abf-99c1-6894d65f44df</guid>
      <link>https://share.transistor.fm/s/4c605a16</link>
      <description>
        <![CDATA[Many people make critical mistakes when it comes to naming beneficiaries on their assets. What are these critical mistakes, and are you making them? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Many people make critical mistakes when it comes to naming beneficiaries on their assets. What are these critical mistakes, and are you making them? Find out right now.]]>
      </content:encoded>
      <pubDate>Fri, 05 Apr 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/4c605a16/045c8c35.mp3" length="28855013" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1804</itunes:duration>
      <itunes:summary>
        <![CDATA[Many people make critical mistakes when it comes to naming beneficiaries on their assets. What are these critical mistakes, and are you making them? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Early Buy-Outs for Retirement</title>
      <itunes:episode>50</itunes:episode>
      <podcast:episode>50</podcast:episode>
      <itunes:title>Early Buy-Outs for Retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">062c4bed-0035-4a7b-9220-d0a8319b3090</guid>
      <link>https://share.transistor.fm/s/3419ff58</link>
      <description>
        <![CDATA[Many companies across America are reducing their workforce to save money, by offering early buy-out opportunities for voluntary retirement. If you are offered one of these packages, how do you determine if you should take them? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Many companies across America are reducing their workforce to save money, by offering early buy-out opportunities for voluntary retirement. If you are offered one of these packages, how do you determine if you should take them? Find out right now.]]>
      </content:encoded>
      <pubDate>Thu, 28 Mar 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/3419ff58/f3631676.mp3" length="26690813" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1669</itunes:duration>
      <itunes:summary>
        <![CDATA[Many companies across America are reducing their workforce to save money, by offering early buy-out opportunities for voluntary retirement. If you are offered one of these packages, how do you determine if you should take them? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>March Question and Answer Show</title>
      <itunes:episode>49</itunes:episode>
      <podcast:episode>49</podcast:episode>
      <itunes:title>March Question and Answer Show</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">60edbba7-d636-4ba7-821e-6405c40d8eb5</guid>
      <link>https://share.transistor.fm/s/ba30e04a</link>
      <description>
        <![CDATA[It’s time for our Question and Answer show for March! We have many great questions that have been submitted for this month. Find out the answer to these questions right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It’s time for our Question and Answer show for March! We have many great questions that have been submitted for this month. Find out the answer to these questions right now.]]>
      </content:encoded>
      <pubDate>Thu, 21 Mar 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/ba30e04a/7e76cae6.mp3" length="29373694" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1836</itunes:duration>
      <itunes:summary>
        <![CDATA[It’s time for our Question and Answer show for March! We have many great questions that have been submitted for this month. Find out the answer to these questions right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Survive and Advance</title>
      <itunes:episode>48</itunes:episode>
      <podcast:episode>48</podcast:episode>
      <itunes:title>Survive and Advance</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">5f304197-a424-482b-a74e-8bb17f11523c</guid>
      <link>https://share.transistor.fm/s/5b85e24e</link>
      <description>
        <![CDATA[Basketball tournament time is back, and the theme for this time of the year is survive and advance. Let me ask you a question: Is your retirement plan set up to survive and advance? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Basketball tournament time is back, and the theme for this time of the year is survive and advance. Let me ask you a question: Is your retirement plan set up to survive and advance? Find out right now.]]>
      </content:encoded>
      <pubDate>Fri, 15 Mar 2024 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/5b85e24e/abe973a6.mp3" length="29007133" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1813</itunes:duration>
      <itunes:summary>
        <![CDATA[Basketball tournament time is back, and the theme for this time of the year is survive and advance. Let me ask you a question: Is your retirement plan set up to survive and advance? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Retirement and Estate Planning</title>
      <itunes:episode>47</itunes:episode>
      <podcast:episode>47</podcast:episode>
      <itunes:title>Retirement and Estate Planning</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">7c3003be-e207-4c0d-8ab9-6749af945500</guid>
      <link>https://share.transistor.fm/s/be0215fb</link>
      <description>
        <![CDATA[Many people think that they’ve thought of everything when it comes to their retirement and estate plan. Unfortunately, that is not the case in most circumstances. Find out why, right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Many people think that they’ve thought of everything when it comes to their retirement and estate plan. Unfortunately, that is not the case in most circumstances. Find out why, right now.]]>
      </content:encoded>
      <pubDate>Fri, 08 Mar 2024 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/be0215fb/4453e03d.mp3" length="28699944" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1794</itunes:duration>
      <itunes:summary>
        <![CDATA[Many people think that they’ve thought of everything when it comes to their retirement and estate plan. Unfortunately, that is not the case in most circumstances. Find out why, right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Tax Season</title>
      <itunes:episode>46</itunes:episode>
      <podcast:episode>46</podcast:episode>
      <itunes:title>Tax Season</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">779b2f2b-af4b-424d-8430-e855b5c264fb</guid>
      <link>https://share.transistor.fm/s/7098c5ef</link>
      <description>
        <![CDATA[It is tax season, and millions of Americans are working on completing their 2023 federal tax returns. What moves can you still make to save tax  dollars, and.or become more tax-efficient? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It is tax season, and millions of Americans are working on completing their 2023 federal tax returns. What moves can you still make to save tax  dollars, and.or become more tax-efficient? Find out right now.]]>
      </content:encoded>
      <pubDate>Thu, 22 Feb 2024 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/7098c5ef/bdd7ee07.mp3" length="27318569" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1708</itunes:duration>
      <itunes:summary>
        <![CDATA[It is tax season, and millions of Americans are working on completing their 2023 federal tax returns. What moves can you still make to save tax  dollars, and.or become more tax-efficient? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>What You May Not Know About IRAs</title>
      <itunes:episode>45</itunes:episode>
      <podcast:episode>45</podcast:episode>
      <itunes:title>What You May Not Know About IRAs</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">00b3502b-6b3e-41dc-898d-aae2f8c9c213</guid>
      <link>https://share.transistor.fm/s/8df7991c</link>
      <description>
        <![CDATA[Millions of people have an IRA, which is a main staple of the retirement plan. However, there are many things about an IRA that many of these people just don’t know, which can really limit the value of their IRAs. Find out what you may not know about IRAs right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Millions of people have an IRA, which is a main staple of the retirement plan. However, there are many things about an IRA that many of these people just don’t know, which can really limit the value of their IRAs. Find out what you may not know about IRAs right now.]]>
      </content:encoded>
      <pubDate>Thu, 22 Feb 2024 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/8df7991c/5527df71.mp3" length="27638330" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1728</itunes:duration>
      <itunes:summary>
        <![CDATA[Millions of people have an IRA, which is a main staple of the retirement plan. However, there are many things about an IRA that many of these people just don’t know, which can really limit the value of their IRAs. Find out what you may not know about IRAs right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>February Question and Answer Show</title>
      <itunes:episode>44</itunes:episode>
      <podcast:episode>44</podcast:episode>
      <itunes:title>February Question and Answer Show</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">87786f49-e19e-4664-ae86-3ef5b014ab2a</guid>
      <link>https://share.transistor.fm/s/7431aca1</link>
      <description>
        <![CDATA[It is time for our Question and Answer Show for February. We have a few great questions to answer this month. Find out the answer to these questions right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It is time for our Question and Answer Show for February. We have a few great questions to answer this month. Find out the answer to these questions right now.]]>
      </content:encoded>
      <pubDate>Thu, 15 Feb 2024 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/7431aca1/c8bb6d0b.mp3" length="28299542" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1769</itunes:duration>
      <itunes:summary>
        <![CDATA[It is time for our Question and Answer Show for February. We have a few great questions to answer this month. Find out the answer to these questions right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Are You Ready or Able to Retire?</title>
      <itunes:episode>43</itunes:episode>
      <podcast:episode>43</podcast:episode>
      <itunes:title>Are You Ready or Able to Retire?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">43a2558f-d89b-4819-88e7-5f5ead8845e4</guid>
      <link>https://share.transistor.fm/s/12efdb78</link>
      <description>
        <![CDATA[Toward the beginning of each new year, many people think about retirement. So, are you ready or able to retire? Well, there are many factors to consider before making that decision. Find out what these critical factors are, right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Toward the beginning of each new year, many people think about retirement. So, are you ready or able to retire? Well, there are many factors to consider before making that decision. Find out what these critical factors are, right now.]]>
      </content:encoded>
      <pubDate>Mon, 12 Feb 2024 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/12efdb78/a5f7e396.mp3" length="28699946" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1794</itunes:duration>
      <itunes:summary>
        <![CDATA[Toward the beginning of each new year, many people think about retirement. So, are you ready or able to retire? Well, there are many factors to consider before making that decision. Find out what these critical factors are, right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>The Economy Continues to Struggle</title>
      <itunes:episode>42</itunes:episode>
      <podcast:episode>42</podcast:episode>
      <itunes:title>The Economy Continues to Struggle</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">67963085-de6a-488d-9793-12d55c8b107d</guid>
      <link>https://share.transistor.fm/s/3ca75b41</link>
      <description>
        <![CDATA[The economy continues to struggle, causing many companies and businesses to cut back and reduce their workforce. What should you do to prepare for a potential layoff or early retirement, to minimize the effects on your retirement plan? FInd out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[The economy continues to struggle, causing many companies and businesses to cut back and reduce their workforce. What should you do to prepare for a potential layoff or early retirement, to minimize the effects on your retirement plan? FInd out right now.]]>
      </content:encoded>
      <pubDate>Fri, 02 Feb 2024 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/3ca75b41/eaeab43a.mp3" length="26278709" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1643</itunes:duration>
      <itunes:summary>
        <![CDATA[The economy continues to struggle, causing many companies and businesses to cut back and reduce their workforce. What should you do to prepare for a potential layoff or early retirement, to minimize the effects on your retirement plan? FInd out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Today’s Financial World is Changing</title>
      <itunes:episode>41</itunes:episode>
      <podcast:episode>41</podcast:episode>
      <itunes:title>Today’s Financial World is Changing</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">71b3579a-f998-4ce4-9d32-c1dc0be766cc</guid>
      <link>https://share.transistor.fm/s/263d84fa</link>
      <description>
        <![CDATA[Today’s financial world is changing quickly and dramatically. What are the key strategic moves that you may very well need to make to protect and maximize your retirement plan? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Today’s financial world is changing quickly and dramatically. What are the key strategic moves that you may very well need to make to protect and maximize your retirement plan? Find out right now.]]>
      </content:encoded>
      <pubDate>Fri, 26 Jan 2024 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/263d84fa/3a641b53.mp3" length="27308182" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1707</itunes:duration>
      <itunes:summary>
        <![CDATA[Today’s financial world is changing quickly and dramatically. What are the key strategic moves that you may very well need to make to protect and maximize your retirement plan? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>January Question and Answer Show</title>
      <itunes:episode>40</itunes:episode>
      <podcast:episode>40</podcast:episode>
      <itunes:title>January Question and Answer Show</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">a4dcff44-157d-459c-91e7-6c2359b00466</guid>
      <link>https://share.transistor.fm/s/da5bd212</link>
      <description>
        <![CDATA[It is time for our question and answer show for January, we have many great questions to answer from our listeners and readers. Find out the answer to these questions right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It is time for our question and answer show for January, we have many great questions to answer from our listeners and readers. Find out the answer to these questions right now.]]>
      </content:encoded>
      <pubDate>Fri, 19 Jan 2024 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/da5bd212/f9da6f2b.mp3" length="28831603" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1802</itunes:duration>
      <itunes:summary>
        <![CDATA[It is time for our question and answer show for January, we have many great questions to answer from our listeners and readers. Find out the answer to these questions right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Are you Ready for More Change?</title>
      <itunes:episode>39</itunes:episode>
      <podcast:episode>39</podcast:episode>
      <itunes:title>Are you Ready for More Change?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">48a02676-6444-4eae-b77c-cdabedddc893</guid>
      <link>https://share.transistor.fm/s/8714716a</link>
      <description>
        <![CDATA[Are you ready for more change? I certainly hope so! Congress recently approved the SECURE Act 2.0 law, which brings many changes to the retirement and financial arena. Find out the details on all of these changes right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Are you ready for more change? I certainly hope so! Congress recently approved the SECURE Act 2.0 law, which brings many changes to the retirement and financial arena. Find out the details on all of these changes right now.]]>
      </content:encoded>
      <pubDate>Fri, 12 Jan 2024 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/8714716a/e4859b92.mp3" length="28355546" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1773</itunes:duration>
      <itunes:summary>
        <![CDATA[Are you ready for more change? I certainly hope so! Congress recently approved the SECURE Act 2.0 law, which brings many changes to the retirement and financial arena. Find out the details on all of these changes right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>New Year, New Rules</title>
      <itunes:episode>38</itunes:episode>
      <podcast:episode>38</podcast:episode>
      <itunes:title>New Year, New Rules</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">37d73c94-4d28-4928-87e0-3478e8eb9c2b</guid>
      <link>https://share.transistor.fm/s/d9d6945f</link>
      <description>
        <![CDATA[Well, a new year is here, and that means new rules, new laws, and contribution guidelines. Find out what these are to get your retirement plan updated properly, right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Well, a new year is here, and that means new rules, new laws, and contribution guidelines. Find out what these are to get your retirement plan updated properly, right now.]]>
      </content:encoded>
      <pubDate>Thu, 04 Jan 2024 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/d9d6945f/b1debedd.mp3" length="28443724" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1778</itunes:duration>
      <itunes:summary>
        <![CDATA[Well, a new year is here, and that means new rules, new laws, and contribution guidelines. Find out what these are to get your retirement plan updated properly, right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>New Year’s Resolutions</title>
      <itunes:episode>37</itunes:episode>
      <podcast:episode>37</podcast:episode>
      <itunes:title>New Year’s Resolutions</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">068ae6de-bef5-4516-b13c-52cbbe246ad2</guid>
      <link>https://share.transistor.fm/s/079bd290</link>
      <description>
        <![CDATA[Well, it’s a new year, and that means time for New Year’s resolutions. So, what financial New Year’s resolutions do you need to make this year for your retirement plan? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Well, it’s a new year, and that means time for New Year’s resolutions. So, what financial New Year’s resolutions do you need to make this year for your retirement plan? Find out right now.]]>
      </content:encoded>
      <pubDate>Wed, 27 Dec 2023 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/079bd290/8ebc79c1.mp3" length="28443751" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1778</itunes:duration>
      <itunes:summary>
        <![CDATA[Well, it’s a new year, and that means time for New Year’s resolutions. So, what financial New Year’s resolutions do you need to make this year for your retirement plan? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>December Question and Answer Show</title>
      <itunes:episode>36</itunes:episode>
      <podcast:episode>36</podcast:episode>
      <itunes:title>December Question and Answer Show</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">bfe828bd-b09b-4dc0-ad80-4f8fe0f4be6c</guid>
      <link>https://share.transistor.fm/s/15f11fc9</link>
      <description>
        <![CDATA[It is time for our question and answer show for December, we have many great questions to answer from our listeners and readers. Find out the answer to these questions right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It is time for our question and answer show for December, we have many great questions to answer from our listeners and readers. Find out the answer to these questions right now.]]>
      </content:encoded>
      <pubDate>Thu, 14 Dec 2023 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/15f11fc9/c1ef2d4e.mp3" length="26450909" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1654</itunes:duration>
      <itunes:summary>
        <![CDATA[It is time for our question and answer show for December, we have many great questions to answer from our listeners and readers. Find out the answer to these questions right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Year-End Decisions and Deadlines</title>
      <itunes:episode>35</itunes:episode>
      <podcast:episode>35</podcast:episode>
      <itunes:title>Year-End Decisions and Deadlines</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">07e2de8e-5ed8-41c9-83ab-54779fe0aae9</guid>
      <link>https://share.transistor.fm/s/96b30e6c</link>
      <description>
        <![CDATA[There is a year-end deadline coming up with some very big decisions that many pre-retirees and retirees need to make. Find out what these big decisions are right now.]]>
      </description>
      <content:encoded>
        <![CDATA[There is a year-end deadline coming up with some very big decisions that many pre-retirees and retirees need to make. Find out what these big decisions are right now.]]>
      </content:encoded>
      <pubDate>Thu, 07 Dec 2023 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/96b30e6c/dbacc43f.mp3" length="28233086" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1765</itunes:duration>
      <itunes:summary>
        <![CDATA[There is a year-end deadline coming up with some very big decisions that many pre-retirees and retirees need to make. Find out what these big decisions are right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>To Give and Recieve</title>
      <itunes:episode>34</itunes:episode>
      <podcast:episode>34</podcast:episode>
      <itunes:title>To Give and Recieve</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">59cb12b4-9ef5-4e64-89b8-5c47d6b030c1</guid>
      <link>https://share.transistor.fm/s/5c0f66e6</link>
      <description>
        <![CDATA[Well, the holiday gift giving season is here. But unfortunately, most gifts given offer no real long-term value for the giver or the recipient. Find out how to change this right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Well, the holiday gift giving season is here. But unfortunately, most gifts given offer no real long-term value for the giver or the recipient. Find out how to change this right now.]]>
      </content:encoded>
      <pubDate>Thu, 30 Nov 2023 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/5c0f66e6/76263ff0.mp3" length="22729386" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1421</itunes:duration>
      <itunes:summary>
        <![CDATA[Well, the holiday gift giving season is here. But unfortunately, most gifts given offer no real long-term value for the giver or the recipient. Find out how to change this right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Building and Maintaining a Retirement Plan</title>
      <itunes:episode>33</itunes:episode>
      <podcast:episode>33</podcast:episode>
      <itunes:title>Building and Maintaining a Retirement Plan</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">4f1554fc-27fa-4a83-b656-313be4986048</guid>
      <link>https://share.transistor.fm/s/627dea5d</link>
      <description>
        <![CDATA[Having the proper professional help in building and maintaining a retirement plan is vitally important. How do you find that help? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Having the proper professional help in building and maintaining a retirement plan is vitally important. How do you find that help? Find out right now.]]>
      </content:encoded>
      <pubDate>Wed, 22 Nov 2023 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/627dea5d/07616704.mp3" length="27907505" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1745</itunes:duration>
      <itunes:summary>
        <![CDATA[Having the proper professional help in building and maintaining a retirement plan is vitally important. How do you find that help? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question and Answer Show for November</title>
      <itunes:episode>32</itunes:episode>
      <podcast:episode>32</podcast:episode>
      <itunes:title>Question and Answer Show for November</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">a1665442-86a4-4f75-a76c-4ea39021cb24</guid>
      <link>https://share.transistor.fm/s/c2ade154</link>
      <description>
        <![CDATA[Well, it’s time for our question and answer show for November. Find out the answer to many of your favorite retirement questions right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Well, it’s time for our question and answer show for November. Find out the answer to many of your favorite retirement questions right now.]]>
      </content:encoded>
      <pubDate>Fri, 17 Nov 2023 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/c2ade154/087de365.mp3" length="28589610" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1787</itunes:duration>
      <itunes:summary>
        <![CDATA[Well, it’s time for our question and answer show for November. Find out the answer to many of your favorite retirement questions right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Time is Running Out for the Year 2023</title>
      <itunes:episode>31</itunes:episode>
      <podcast:episode>31</podcast:episode>
      <itunes:title>Time is Running Out for the Year 2023</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">d67e269c-c535-427b-8bee-ab0936d121b7</guid>
      <link>https://share.transistor.fm/s/5d567a59</link>
      <description>
        <![CDATA[Time is running out for the year 2023, and there are some critical retirement moves that you have to, or need to make by the end of the year. If you fail to make thee moves in time, you will lose money in the form of penalties, taxes, or lost opportunity cost. Find out what these requirements are, right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Time is running out for the year 2023, and there are some critical retirement moves that you have to, or need to make by the end of the year. If you fail to make thee moves in time, you will lose money in the form of penalties, taxes, or lost opportunity cost. Find out what these requirements are, right now.]]>
      </content:encoded>
      <pubDate>Thu, 09 Nov 2023 00:00:00 -0500</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/5d567a59/665fe59d.mp3" length="28771004" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1799</itunes:duration>
      <itunes:summary>
        <![CDATA[Time is running out for the year 2023, and there are some critical retirement moves that you have to, or need to make by the end of the year. If you fail to make thee moves in time, you will lose money in the form of penalties, taxes, or lost opportunity cost. Find out what these requirements are, right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Navigating Retirement</title>
      <itunes:episode>30</itunes:episode>
      <podcast:episode>30</podcast:episode>
      <itunes:title>Navigating Retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">3fb2996f-95e9-4c62-b8b8-3c595f9dd7ad</guid>
      <link>https://share.transistor.fm/s/1ce4e3ec</link>
      <description>
        <![CDATA[Getting to and surviving retirement can be like navigating your way through a minefield. What do you need to know and how are you going to avoid some major traps and survive? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Getting to and surviving retirement can be like navigating your way through a minefield. What do you need to know and how are you going to avoid some major traps and survive? Find out right now.]]>
      </content:encoded>
      <pubDate>Thu, 02 Nov 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/1ce4e3ec/41008f3e.mp3" length="28776839" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1799</itunes:duration>
      <itunes:summary>
        <![CDATA[Getting to and surviving retirement can be like navigating your way through a minefield. What do you need to know and how are you going to avoid some major traps and survive? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Trick or Treat Season</title>
      <itunes:episode>29</itunes:episode>
      <podcast:episode>29</podcast:episode>
      <itunes:title>Trick or Treat Season</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">220578fa-5a3f-4af2-83a7-b29493e00aad</guid>
      <link>https://share.transistor.fm/s/6653a03e</link>
      <description>
        <![CDATA[It’s Halloween week, which means trick or treat season. So let me ask you this, are the tools and strategies you are using for your retirement plan giving you a great retirement treat, or are they costly tricks that can severely hurt or ruin your retirement plan. Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It’s Halloween week, which means trick or treat season. So let me ask you this, are the tools and strategies you are using for your retirement plan giving you a great retirement treat, or are they costly tricks that can severely hurt or ruin your retirement plan. Find out right now.]]>
      </content:encoded>
      <pubDate>Thu, 26 Oct 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/6653a03e/7c483db1.mp3" length="29137538" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1821</itunes:duration>
      <itunes:summary>
        <![CDATA[It’s Halloween week, which means trick or treat season. So let me ask you this, are the tools and strategies you are using for your retirement plan giving you a great retirement treat, or are they costly tricks that can severely hurt or ruin your retirement plan. Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Are You Scared?</title>
      <itunes:episode>28</itunes:episode>
      <podcast:episode>28</podcast:episode>
      <itunes:title>Are You Scared?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">b0056841-8ce6-41e1-a62d-4762dda22bc2</guid>
      <link>https://share.transistor.fm/s/0aaf65dc</link>
      <description>
        <![CDATA[Next week is Halloween weekend. Halloween is a made-up thing, but there are many scary things happening right now in the financial world that are very real. Find out what these are, and how they can affect your retirement plan right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Next week is Halloween weekend. Halloween is a made-up thing, but there are many scary things happening right now in the financial world that are very real. Find out what these are, and how they can affect your retirement plan right now.]]>
      </content:encoded>
      <pubDate>Sun, 22 Oct 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/0aaf65dc/44ac1761.mp3" length="28149477" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1760</itunes:duration>
      <itunes:summary>
        <![CDATA[Next week is Halloween weekend. Halloween is a made-up thing, but there are many scary things happening right now in the financial world that are very real. Find out what these are, and how they can affect your retirement plan right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question and Answer Show for October</title>
      <itunes:episode>27</itunes:episode>
      <podcast:episode>27</podcast:episode>
      <itunes:title>Question and Answer Show for October</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">5d1542bc-f670-48d0-bf7b-c8814660e240</guid>
      <link>https://share.transistor.fm/s/ea584224</link>
      <description>
        <![CDATA[It’s time for our question and answer show for October. Find out the answers to your great retirement planning questions right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It’s time for our question and answer show for October. Find out the answers to your great retirement planning questions right now.]]>
      </content:encoded>
      <pubDate>Mon, 16 Oct 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/ea584224/2217ebe3.mp3" length="28436636" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1778</itunes:duration>
      <itunes:summary>
        <![CDATA[It’s time for our question and answer show for October. Find out the answers to your great retirement planning questions right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Is Your Knowledge and Education Up-to-Date?</title>
      <itunes:episode>26</itunes:episode>
      <podcast:episode>26</podcast:episode>
      <itunes:title>Is Your Knowledge and Education Up-to-Date?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">886d94b9-aead-4b71-bdcb-75018a5dd418</guid>
      <link>https://share.transistor.fm/s/80d93e60</link>
      <description>
        <![CDATA[Let me ask you a question: Is your knowledge and education up-to-date regarding retirement planning? Find out right now as we give you a retirement test.]]>
      </description>
      <content:encoded>
        <![CDATA[Let me ask you a question: Is your knowledge and education up-to-date regarding retirement planning? Find out right now as we give you a retirement test.]]>
      </content:encoded>
      <pubDate>Fri, 06 Oct 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/80d93e60/172d092a.mp3" length="28948643" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1810</itunes:duration>
      <itunes:summary>
        <![CDATA[Let me ask you a question: Is your knowledge and education up-to-date regarding retirement planning? Find out right now as we give you a retirement test.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>The original ‘Inherited Stretch IRA’ has been eliminated by the SECURE Act</title>
      <itunes:episode>25</itunes:episode>
      <podcast:episode>25</podcast:episode>
      <itunes:title>The original ‘Inherited Stretch IRA’ has been eliminated by the SECURE Act</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">d96dc4be-7a13-4024-adb4-a9e6d23c76e8</guid>
      <link>https://share.transistor.fm/s/feadab13</link>
      <description>
        <![CDATA[The original ‘Inherited Stretch IRA’ has been eliminated by the SECURE Act, and went into effect in the beginning of 2020. So now what do you do? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[The original ‘Inherited Stretch IRA’ has been eliminated by the SECURE Act, and went into effect in the beginning of 2020. So now what do you do? Find out right now.]]>
      </content:encoded>
      <pubDate>Thu, 28 Sep 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/feadab13/e6870113.mp3" length="28501951" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1782</itunes:duration>
      <itunes:summary>
        <![CDATA[The original ‘Inherited Stretch IRA’ has been eliminated by the SECURE Act, and went into effect in the beginning of 2020. So now what do you do? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>How Losing a Spouse Affects Your Retirement</title>
      <itunes:episode>24</itunes:episode>
      <podcast:episode>24</podcast:episode>
      <itunes:title>How Losing a Spouse Affects Your Retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">1484d3d0-26ff-4205-80eb-d605f18c33c5</guid>
      <link>https://share.transistor.fm/s/7eaf0ec0</link>
      <description>
        <![CDATA[A lot of things change when someone loses their spouse. A retirement plan is no different. Do you know what happens to you retirement plan when your spouse passes away? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[A lot of things change when someone loses their spouse. A retirement plan is no different. Do you know what happens to you retirement plan when your spouse passes away? Find out right now.]]>
      </content:encoded>
      <pubDate>Fri, 22 Sep 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/7eaf0ec0/f85c6c32.mp3" length="27405119" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1713</itunes:duration>
      <itunes:summary>
        <![CDATA[A lot of things change when someone loses their spouse. A retirement plan is no different. Do you know what happens to you retirement plan when your spouse passes away? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question and Answer Show for September</title>
      <itunes:episode>23</itunes:episode>
      <podcast:episode>23</podcast:episode>
      <itunes:title>Question and Answer Show for September</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">d721e155-1c66-436d-b8b4-f43871f03f60</guid>
      <link>https://share.transistor.fm/s/a6242557</link>
      <description>
        <![CDATA[It’s time for our question and answer show for September, and we have many great questions to answer this month. Find out the answers to these questions right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It’s time for our question and answer show for September, and we have many great questions to answer this month. Find out the answers to these questions right now.]]>
      </content:encoded>
      <pubDate>Fri, 15 Sep 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/a6242557/8fc78dc7.mp3" length="28450430" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1779</itunes:duration>
      <itunes:summary>
        <![CDATA[It’s time for our question and answer show for September, and we have many great questions to answer this month. Find out the answers to these questions right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Many Rules for Inheriting Assets and Money Have Changed</title>
      <itunes:episode>22</itunes:episode>
      <podcast:episode>22</podcast:episode>
      <itunes:title>Many Rules for Inheriting Assets and Money Have Changed</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">4b2f5a06-d368-493b-9fb2-954bf7246e7f</guid>
      <link>https://share.transistor.fm/s/d415736f</link>
      <description>
        <![CDATA[Many rules for inheriting assets and money have changed and more rules may be changing soon. Now what do you do? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Many rules for inheriting assets and money have changed and more rules may be changing soon. Now what do you do? Find out right now.]]>
      </content:encoded>
      <pubDate>Fri, 08 Sep 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/d415736f/76fb7ab4.mp3" length="28688684" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1793</itunes:duration>
      <itunes:summary>
        <![CDATA[Many rules for inheriting assets and money have changed and more rules may be changing soon. Now what do you do? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Factors that Affect your Social Security Benefits</title>
      <itunes:episode>21</itunes:episode>
      <podcast:episode>21</podcast:episode>
      <itunes:title>Factors that Affect your Social Security Benefits</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">240d202d-9f55-41fc-a86e-df5e800a95e2</guid>
      <link>https://share.transistor.fm/s/02a47400</link>
      <description>
        <![CDATA[A recent survey says that most people do not understand all of the different factors that affect their Social Security benefits, including taxation. Do you? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[A recent survey says that most people do not understand all of the different factors that affect their Social Security benefits, including taxation. Do you? Find out right now.]]>
      </content:encoded>
      <pubDate>Fri, 01 Sep 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/02a47400/7d05d2a7.mp3" length="28899330" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1807</itunes:duration>
      <itunes:summary>
        <![CDATA[A recent survey says that most people do not understand all of the different factors that affect their Social Security benefits, including taxation. Do you? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>The Retirement Estate Planning World of Today</title>
      <itunes:episode>20</itunes:episode>
      <podcast:episode>20</podcast:episode>
      <itunes:title>The Retirement Estate Planning World of Today</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">c88029ae-f1dd-420b-b5d4-d46c03f07df4</guid>
      <link>https://share.transistor.fm/s/480fc079</link>
      <description>
        <![CDATA[The retirement and estate planning world today is much different from the past. In fact, there are several old, common and understood retirement rules that just no longer apply in today’s retirement world. Find out what these are right now.]]>
      </description>
      <content:encoded>
        <![CDATA[The retirement and estate planning world today is much different from the past. In fact, there are several old, common and understood retirement rules that just no longer apply in today’s retirement world. Find out what these are right now.]]>
      </content:encoded>
      <pubDate>Fri, 25 Aug 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/480fc079/e49a2474.mp3" length="28979574" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1812</itunes:duration>
      <itunes:summary>
        <![CDATA[The retirement and estate planning world today is much different from the past. In fact, there are several old, common and understood retirement rules that just no longer apply in today’s retirement world. Find out what these are right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question and Answer Show for August</title>
      <itunes:episode>19</itunes:episode>
      <podcast:episode>19</podcast:episode>
      <itunes:title>Question and Answer Show for August</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">e7f0bff6-caa8-4562-9592-b26ff6530996</guid>
      <link>https://share.transistor.fm/s/ac803169</link>
      <description>
        <![CDATA[It’s time for our question and answer show for August, and we have many great questions to answer this month. Find out the answers to these questions right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It’s time for our question and answer show for August, and we have many great questions to answer this month. Find out the answers to these questions right now.]]>
      </content:encoded>
      <pubDate>Fri, 18 Aug 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/ac803169/f641efbe.mp3" length="28955322" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1810</itunes:duration>
      <itunes:summary>
        <![CDATA[It’s time for our question and answer show for August, and we have many great questions to answer this month. Find out the answers to these questions right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Key Dates and Ages related to your Retirement</title>
      <itunes:episode>18</itunes:episode>
      <podcast:episode>18</podcast:episode>
      <itunes:title>Key Dates and Ages related to your Retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">0a161315-7f34-40dc-82ff-2dca83b746a0</guid>
      <link>https://share.transistor.fm/s/f718940a</link>
      <description>
        <![CDATA[You know, many people say that life comes down to just a few moments. Now, I’m not so sure about that, but I do know that your retirement plan comes down to the proper knowledge and understanding of some very important key dates and ages. Find out what these are, right now.]]>
      </description>
      <content:encoded>
        <![CDATA[You know, many people say that life comes down to just a few moments. Now, I’m not so sure about that, but I do know that your retirement plan comes down to the proper knowledge and understanding of some very important key dates and ages. Find out what these are, right now.]]>
      </content:encoded>
      <pubDate>Fri, 11 Aug 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/f718940a/2301e0e3.mp3" length="29058986" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1817</itunes:duration>
      <itunes:summary>
        <![CDATA[You know, many people say that life comes down to just a few moments. Now, I’m not so sure about that, but I do know that your retirement plan comes down to the proper knowledge and understanding of some very important key dates and ages. Find out what these are, right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>It Is Back to School Time For Your Retirement Plan</title>
      <itunes:episode>17</itunes:episode>
      <podcast:episode>17</podcast:episode>
      <itunes:title>It Is Back to School Time For Your Retirement Plan</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">94f3fc3e-3bd2-4c78-96ff-ebf24ea97e5a</guid>
      <link>https://share.transistor.fm/s/5e3ab804</link>
      <description>
        <![CDATA[It’s unbelievable that August is already here, but it is, and that means it’s back to school time. But it’s also back to school time for your retirement plan, as this is something that has to be done with all of the changes that have occurred this year.]]>
      </description>
      <content:encoded>
        <![CDATA[It’s unbelievable that August is already here, but it is, and that means it’s back to school time. But it’s also back to school time for your retirement plan, as this is something that has to be done with all of the changes that have occurred this year.]]>
      </content:encoded>
      <pubDate>Thu, 03 Aug 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/5e3ab804/7b7eefe9.mp3" length="27959758" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1748</itunes:duration>
      <itunes:summary>
        <![CDATA[It’s unbelievable that August is already here, but it is, and that means it’s back to school time. But it’s also back to school time for your retirement plan, as this is something that has to be done with all of the changes that have occurred this year.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>You Cannot Retire Until You Consider These Factors</title>
      <itunes:episode>16</itunes:episode>
      <podcast:episode>16</podcast:episode>
      <itunes:title>You Cannot Retire Until You Consider These Factors</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">270b22f2-00b3-4b85-ade7-e4a62f13608a</guid>
      <link>https://share.transistor.fm/s/909ca9c9</link>
      <description>
        <![CDATA[You absolutely cannot retire until you consider these often overlooked factors. Find out what they are right now.]]>
      </description>
      <content:encoded>
        <![CDATA[You absolutely cannot retire until you consider these often overlooked factors. Find out what they are right now.]]>
      </content:encoded>
      <pubDate>Sun, 30 Jul 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/909ca9c9/fcd5d786.mp3" length="28623060" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1789</itunes:duration>
      <itunes:summary>
        <![CDATA[You absolutely cannot retire until you consider these often overlooked factors. Find out what they are right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>2023 is Almost Half Over</title>
      <itunes:episode>15</itunes:episode>
      <podcast:episode>15</podcast:episode>
      <itunes:title>2023 is Almost Half Over</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">dce93d60-8141-4630-ace3-53e1f05514ac</guid>
      <link>https://share.transistor.fm/s/9e41492b</link>
      <description>
        <![CDATA[The year 2023 is more than half over. What can you expect for the second half of the year as it relates to your retirement plan? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[The year 2023 is more than half over. What can you expect for the second half of the year as it relates to your retirement plan? Find out right now.]]>
      </content:encoded>
      <pubDate>Fri, 21 Jul 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/9e41492b/ff7bb41f.mp3" length="28505169" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1782</itunes:duration>
      <itunes:summary>
        <![CDATA[The year 2023 is more than half over. What can you expect for the second half of the year as it relates to your retirement plan? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Question and Answer Show for July</title>
      <itunes:episode>14</itunes:episode>
      <podcast:episode>14</podcast:episode>
      <itunes:title>Question and Answer Show for July</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">54b87ed0-8c8c-4f51-9b9c-3d8fa1151770</guid>
      <link>https://share.transistor.fm/s/be04c689</link>
      <description>
        <![CDATA[It’s time for our question and answer show for July, and we have many great questions to answer this month. Find out the answers to these questions right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It’s time for our question and answer show for July, and we have many great questions to answer this month. Find out the answers to these questions right now.]]>
      </content:encoded>
      <pubDate>Thu, 13 Jul 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/be04c689/abc4a644.mp3" length="28674451" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1793</itunes:duration>
      <itunes:summary>
        <![CDATA[It’s time for our question and answer show for July, and we have many great questions to answer this month. Find out the answers to these questions right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Your Retirement Check-Up</title>
      <itunes:episode>13</itunes:episode>
      <podcast:episode>13</podcast:episode>
      <itunes:title>Your Retirement Check-Up</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">adca50e8-d425-4388-aafd-a2567ea04798</guid>
      <link>https://share.transistor.fm/s/4a3c50e7</link>
      <description>
        <![CDATA[What kind of shape is your retirement plan in? Find out right now because it’s time for your mid-year retirement checkup.]]>
      </description>
      <content:encoded>
        <![CDATA[What kind of shape is your retirement plan in? Find out right now because it’s time for your mid-year retirement checkup.]]>
      </content:encoded>
      <pubDate>Fri, 07 Jul 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/4a3c50e7/dc6bb4e6.mp3" length="28486779" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1781</itunes:duration>
      <itunes:summary>
        <![CDATA[What kind of shape is your retirement plan in? Find out right now because it’s time for your mid-year retirement checkup.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Financial Independence</title>
      <itunes:episode>12</itunes:episode>
      <podcast:episode>12</podcast:episode>
      <itunes:title>Financial Independence</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">ec103c19-ba91-4a83-a824-29d9bbdd1858</guid>
      <link>https://share.transistor.fm/s/012c0da7</link>
      <description>
        <![CDATA[This week we will be celebrating the birthday of The United States Of America and our nations independence. But what about your retirement? Are you going to be able to obtain financial independence or remain financially independent in retirement? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[This week we will be celebrating the birthday of The United States Of America and our nations independence. But what about your retirement? Are you going to be able to obtain financial independence or remain financially independent in retirement? Find out right now.]]>
      </content:encoded>
      <pubDate>Fri, 30 Jun 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/012c0da7/71c21823.mp3" length="28666499" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1792</itunes:duration>
      <itunes:summary>
        <![CDATA[This week we will be celebrating the birthday of The United States Of America and our nations independence. But what about your retirement? Are you going to be able to obtain financial independence or remain financially independent in retirement? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Today’s Retirement World</title>
      <itunes:episode>11</itunes:episode>
      <podcast:episode>11</podcast:episode>
      <itunes:title>Today’s Retirement World</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">6858b52f-8b4a-4bf3-9e48-117df171e3e8</guid>
      <link>https://share.transistor.fm/s/630aa3ef</link>
      <description>
        <![CDATA[Today’s retirement world is vastly different from the past. Are you using old, outdated tools and strategies to build your retirement plan? Or have you updated to the times? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Today’s retirement world is vastly different from the past. Are you using old, outdated tools and strategies to build your retirement plan? Or have you updated to the times? Find out right now.]]>
      </content:encoded>
      <pubDate>Fri, 23 Jun 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/630aa3ef/e7deddb7.mp3" length="28785646" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1799</itunes:duration>
      <itunes:summary>
        <![CDATA[Today’s retirement world is vastly different from the past. Are you using old, outdated tools and strategies to build your retirement plan? Or have you updated to the times? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>June 2023 Question And Answer Show</title>
      <itunes:episode>10</itunes:episode>
      <podcast:episode>10</podcast:episode>
      <itunes:title>June 2023 Question And Answer Show</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">abd569c4-9ead-4ebf-909f-aebffe2a00f8</guid>
      <link>https://share.transistor.fm/s/a72c4c2a</link>
      <description>
        <![CDATA[It is time for our question and answer show for June and we have many great questions to answer this month. Find out the answer to these questions right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It is time for our question and answer show for June and we have many great questions to answer this month. Find out the answer to these questions right now.]]>
      </content:encoded>
      <pubDate>Fri, 16 Jun 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/a72c4c2a/1135bdb3.mp3" length="28799840" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1800</itunes:duration>
      <itunes:summary>
        <![CDATA[It is time for our question and answer show for June and we have many great questions to answer this month. Find out the answer to these questions right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>How to Save Your Retirement Plan from Inflation?</title>
      <itunes:episode>9</itunes:episode>
      <podcast:episode>9</podcast:episode>
      <itunes:title>How to Save Your Retirement Plan from Inflation?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">9de06177-1d07-474e-91da-3833840482ba</guid>
      <link>https://share.transistor.fm/s/5b508257</link>
      <description>
        <![CDATA[Believe it or not, one of the biggest threats to your retirement plan is inflation. And inflation is continuing to rear its ugly head. What can you do to protect your retirement plan? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Believe it or not, one of the biggest threats to your retirement plan is inflation. And inflation is continuing to rear its ugly head. What can you do to protect your retirement plan? Find out right now.]]>
      </content:encoded>
      <pubDate>Fri, 09 Jun 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/5b508257/a75c9c8c.mp3" length="24654953" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1761</itunes:duration>
      <itunes:summary>
        <![CDATA[Believe it or not, one of the biggest threats to your retirement plan is inflation. And inflation is continuing to rear its ugly head. What can you do to protect your retirement plan? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Is Your Retirement Plan At Risk?</title>
      <itunes:episode>8</itunes:episode>
      <podcast:episode>8</podcast:episode>
      <itunes:title>Is Your Retirement Plan At Risk?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">fe9f010e-78eb-49c3-ade0-52b9f2af4799</guid>
      <link>https://share.transistor.fm/s/30a1ce3f</link>
      <description>
        <![CDATA[Think your retirement plan is solid? Unfortunately, even the best slated retirement plans can run into trouble in retirement. Find out if your retirement plan is at risk to too many common threats right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Think your retirement plan is solid? Unfortunately, even the best slated retirement plans can run into trouble in retirement. Find out if your retirement plan is at risk to too many common threats right now.]]>
      </content:encoded>
      <pubDate>Fri, 02 Jun 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/30a1ce3f/693be1c4.mp3" length="28155344" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1760</itunes:duration>
      <itunes:summary>
        <![CDATA[Think your retirement plan is solid? Unfortunately, even the best slated retirement plans can run into trouble in retirement. Find out if your retirement plan is at risk to too many common threats right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Tax-Free Roth IRA’s</title>
      <itunes:episode>7</itunes:episode>
      <podcast:episode>7</podcast:episode>
      <itunes:title>Tax-Free Roth IRA’s</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">96a4c348-54fb-4384-b2fc-1828134ad2db</guid>
      <link>https://share.transistor.fm/s/af3e4ea4</link>
      <description>
        <![CDATA[Millions of people are moving money into tax free Roth IRA’s in anticipation of higher taxes in the future. So, should you do this as well? Find out right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Millions of people are moving money into tax free Roth IRA’s in anticipation of higher taxes in the future. So, should you do this as well? Find out right now.]]>
      </content:encoded>
      <pubDate>Fri, 26 May 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/af3e4ea4/61adaea8.mp3" length="28479689" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1780</itunes:duration>
      <itunes:summary>
        <![CDATA[Millions of people are moving money into tax free Roth IRA’s in anticipation of higher taxes in the future. So, should you do this as well? Find out right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>May 2023 Question &amp; Answer Show</title>
      <itunes:episode>6</itunes:episode>
      <podcast:episode>6</podcast:episode>
      <itunes:title>May 2023 Question &amp; Answer Show</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">4145f419-6651-4889-89d5-3562635e83ee</guid>
      <link>https://share.transistor.fm/s/0b9e6640</link>
      <description>
        <![CDATA[<p>Well, it is time for our ‘Question And Answer Show’ for May, and we have many great questions to answer this month. Find out the answers to these questions, right now.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Well, it is time for our ‘Question And Answer Show’ for May, and we have many great questions to answer this month. Find out the answers to these questions, right now.</p>]]>
      </content:encoded>
      <pubDate>Sun, 21 May 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/0b9e6640/38a66b7d.mp3" length="28555752" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1785</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Well, it is time for our ‘Question And Answer Show’ for May, and we have many great questions to answer this month. Find out the answers to these questions, right now.</p>]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Special Mother’s Day Edition</title>
      <itunes:episode>5</itunes:episode>
      <podcast:episode>5</podcast:episode>
      <itunes:title>Special Mother’s Day Edition</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">07db10ac-da9e-4791-a321-ce4455061629</guid>
      <link>https://share.transistor.fm/s/b89d291d</link>
      <description>
        <![CDATA[It’s Mother’s Day! To honor mothers and women everywhere, we’re devoting this show to the challenges women and mothers face when it comes to financial and retirement planning. Find out the solutions, right now.]]>
      </description>
      <content:encoded>
        <![CDATA[It’s Mother’s Day! To honor mothers and women everywhere, we’re devoting this show to the challenges women and mothers face when it comes to financial and retirement planning. Find out the solutions, right now.]]>
      </content:encoded>
      <pubDate>Sun, 14 May 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/b89d291d/60fe44c1.mp3" length="29141336" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1822</itunes:duration>
      <itunes:summary>
        <![CDATA[It’s Mother’s Day! To honor mothers and women everywhere, we’re devoting this show to the challenges women and mothers face when it comes to financial and retirement planning. Find out the solutions, right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Common Misconceptions About Taxes In Retirement</title>
      <itunes:episode>4</itunes:episode>
      <podcast:episode>4</podcast:episode>
      <itunes:title>Common Misconceptions About Taxes In Retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">e2c291a1-3087-43df-9ae5-671a6b6978c4</guid>
      <link>https://share.transistor.fm/s/de2190ed</link>
      <description>
        <![CDATA[Most people pay too much taxes in retirement. What can you do about this, and how can you mitigate it? Find out, right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Most people pay too much taxes in retirement. What can you do about this, and how can you mitigate it? Find out, right now.]]>
      </content:encoded>
      <pubDate>Sat, 29 Apr 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/de2190ed/2f89f741.mp3" length="25145010" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1796</itunes:duration>
      <itunes:summary>
        <![CDATA[Most people pay too much taxes in retirement. What can you do about this, and how can you mitigate it? Find out, right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>April 2023 Question And Answer Show</title>
      <itunes:episode>3</itunes:episode>
      <podcast:episode>3</podcast:episode>
      <itunes:title>April 2023 Question And Answer Show</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">8b96ccc8-7c97-4862-ac58-0e46aa2c42c7</guid>
      <link>https://share.transistor.fm/s/08b1efa5</link>
      <description>
        <![CDATA[Well, it is time for our ‘Question And Answer Show’ for April, and we have many great questions to answer this month. Find out the answers to these questions, right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Well, it is time for our ‘Question And Answer Show’ for April, and we have many great questions to answer this month. Find out the answers to these questions, right now.]]>
      </content:encoded>
      <pubDate>Sat, 22 Apr 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/08b1efa5/0c57a1d6.mp3" length="24606878" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1756</itunes:duration>
      <itunes:summary>
        <![CDATA[Well, it is time for our ‘Question And Answer Show’ for April, and we have many great questions to answer this month. Find out the answers to these questions, right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Do You Hear A Ticking Sound Inside Your Traditional Retirement Savings Accounts?</title>
      <itunes:episode>2</itunes:episode>
      <podcast:episode>2</podcast:episode>
      <itunes:title>Do You Hear A Ticking Sound Inside Your Traditional Retirement Savings Accounts?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">89998991-d930-40e2-8f3e-eadd29e600a0</guid>
      <link>https://share.transistor.fm/s/babc3864</link>
      <description>
        <![CDATA[Most people’s retirement plans hold an asset that is a ticking tax bomb. What can you do about this, and how can you diffuse it? Find out, right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Most people’s retirement plans hold an asset that is a ticking tax bomb. What can you do about this, and how can you diffuse it? Find out, right now.]]>
      </content:encoded>
      <pubDate>Sat, 15 Apr 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/babc3864/4c79ea3e.mp3" length="24720448" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1766</itunes:duration>
      <itunes:summary>
        <![CDATA[Most people’s retirement plans hold an asset that is a ticking tax bomb. What can you do about this, and how can you diffuse it? Find out, right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>It’s Not About How You Look; It’s Just That You Win</title>
      <itunes:episode>1</itunes:episode>
      <podcast:episode>1</podcast:episode>
      <itunes:title>It’s Not About How You Look; It’s Just That You Win</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">5fe6da29-9295-4e96-83af-6f410b2c2119</guid>
      <link>https://share.transistor.fm/s/3159c165</link>
      <description>
        <![CDATA[Let me ask you a question. When it comes to investing, are you more about looking good and following the trends, or are you more concerned about being successful? Find out the answer to that question, right now.]]>
      </description>
      <content:encoded>
        <![CDATA[Let me ask you a question. When it comes to investing, are you more about looking good and following the trends, or are you more concerned about being successful? Find out the answer to that question, right now.]]>
      </content:encoded>
      <pubDate>Sat, 08 Apr 2023 00:00:00 -0400</pubDate>
      <author>Brian Hayes</author>
      <enclosure url="https://media.transistor.fm/3159c165/fba17718.mp3" length="24242330" type="audio/mpeg"/>
      <itunes:author>Brian Hayes</itunes:author>
      <itunes:duration>1730</itunes:duration>
      <itunes:summary>
        <![CDATA[Let me ask you a question. When it comes to investing, are you more about looking good and following the trends, or are you more concerned about being successful? Find out the answer to that question, right now.]]>
      </itunes:summary>
      <itunes:keywords>Retirement, Investing</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
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