<?xml version="1.0" encoding="UTF-8" standalone="no"?><rss xmlns:atom="http://www.w3.org/2005/Atom" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:media="http://search.yahoo.com/mrss/" version="2.0" xml:lang="en-US">
    <channel>
        <title>Creating Lifestyles Building Legacies</title>
        <link>http://a4wealth.com</link>
        <description><![CDATA[Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.]]></description>
        <itunes:subtitle>When a part of your financial strategy is out of place, your long-term goals, your retirement savings, your legacy all suffer.</itunes:subtitle>
        <itunes:summary>Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.&#13;
</itunes:summary>
                
        <itunes:author>John Balcerzak</itunes:author>
                
        <itunes:explicit>no</itunes:explicit>
        <itunes:type>episodic</itunes:type>
        <image>
            <url>https://s3-us-west-2.amazonaws.com/financiallytunedradio/logos/logo_1400.jpg</url>
            <title><![CDATA[Creating Lifestyles Building Legacies]]></title>
            <link><![CDATA[https://radio.financiallytuned.com/john-balcerzak/feed/rss]]></link>
        </image>
        <itunes:image href="https://s3-us-west-2.amazonaws.com/financiallytunedradio/logos/logo_1400.jpg"/>
        <language>en</language>
        <lastBuildDate>Thu, 12 May 16 21:41:56 -0500</lastBuildDate>
        <copyright>2018 A4 Wealth Advisors, LLC</copyright><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords><itunes:category text="Business"><itunes:category text="Investing"/></itunes:category><itunes:owner><itunes:email>radio@gradientps.com</itunes:email><itunes:name>John Balcerzak</itunes:name></itunes:owner><item>
            <title><![CDATA[The Future of U.S. Taxation]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3061</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3061</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 29 Jan 16 00:00:00 -0600</pubDate>
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        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Your Guide to Medicare]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3062</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3062</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 05 Feb 16 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160206-3062-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Understanding Retirement Concepts]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3063</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3063</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 12 Feb 16 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160213-3063-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Retirement Planning is a Must!]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3064</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3064</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 26 Feb 16 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160227-3064-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Ways to Grow Your Retirement Fund]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3065</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3065</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 04 Mar 16 00:00:00 -0600</pubDate>
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        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Why Start Retirement Planning Early]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3066</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3066</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 11 Mar 16 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160312-3066-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Taxes and Your Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3067</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3067</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 08 Apr 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160409-3067-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Retirement: A Rite of Passage]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3068</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3068</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 15 Apr 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160416-3068-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Navigating Your Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3069</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3069</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 22 Apr 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160423-3069-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Women's Retirement Outlook]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3070</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3070</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 29 Apr 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160430-3070-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Color of Money ]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3072</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3072</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 20 May 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160521-3072-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Protecting Your Retirement and Boomerang Kids]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3073</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3073</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 27 May 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160528-3073-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Retirement Healthcare Planning]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3074</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3074</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 17 Jun 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160618-3074-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Financial Responsibility in Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3075</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3075</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 01 Jul 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160702-3075-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Financial Well Being]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3076</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3076</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 08 Jul 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160709-3076-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Don’t Let Tuition Top Your Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3079</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3079</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 12 Aug 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160813-3079-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Your Financial Pyramid]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3077</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3077</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 19 Aug 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160820-3077-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Balancing Your Portfolio]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3080</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3080</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 26 Aug 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160827-3080-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Retirement Milestones]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3081</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3081</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 02 Sep 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160903-3081-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Retirement, You Can Afford It!]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3082</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3082</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 16 Sep 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160917-3082-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Retirement Readiness]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3071</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3071</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 23 Sep 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/160924-3071-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Investments and Your Future]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/40001</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/40001</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 30 Sep 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/161001-40001-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Retiring in a Low Interest Rate Environment]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3084</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3084</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 14 Oct 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/161015-3084-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Retire With Purpose]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3083</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3083</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 28 Oct 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/161029-3083-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[The Single's Key to Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3086</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3086</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 04 Nov 16 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/161105-3086-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Housing For Your Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3085</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3085</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 11 Nov 16 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/161112-3085-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Retirement Planning for Couples]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3087</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3087</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 18 Nov 16 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/161119-3087-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Protect Your Financial Data]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3088</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3088</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 06 Jan 17 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170107-3088-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Financial Tips for the New Year]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3089</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3089</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 20 Jan 17 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170121-3089-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Retirement Trends to Watch in 2017]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3090</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3090</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 27 Jan 17 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170128-3090-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Caring for Aging Parents In Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3091</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3091</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 10 Feb 17 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170211-3091-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Retirement Plans When Your Company Doesn't Offer One]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3092</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3092</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 03 Mar 17 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170304-3092-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[5 Ways You Can Help Protect Your Retirement Income]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3093</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3093</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 17 Mar 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170318-3093-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[What's Keeping You From Early Retirement?]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3094</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3094</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 24 Mar 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170325-3094-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Planning for Taxes in Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3095</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3095</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 07 Apr 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170408-3095-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Financial Planning for Women]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3096</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3096</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 14 Apr 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170415-3096-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[7 Retirement Myths]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3097</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3097</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Fri, 05 May 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170506-3097-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Rookie Retirement Mistakes]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3098</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3098</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 13 May 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170513-3098-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Are You Asking the Right Retirement Questions?]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3099</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3099</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 03 Jun 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170603-3099-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[8 Must-Know Social Security Rules]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3100</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3100</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 17 Jun 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170617-3100-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[The Benefits of Delaying Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3101</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3101</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 15 Jul 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170715-3101-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Working With an Advisor, What to Expect]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3102</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3102</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 29 Jul 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170729-3102-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Retirement Rumors to Ignore]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3103</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3103</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 12 Aug 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170812-3103-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Don't Let Divorce Derail Your Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3104</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3104</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 19 Aug 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170819-3104-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Investment Update with Michael Binger]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/40003</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/40003</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 26 Aug 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170826-40003-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Breaking Free from Retirement Stress]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3105</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3105</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 09 Sep 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170909-3105-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[The Benefits of Life Insurance]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3106</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3106</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 23 Sep 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170923-3106-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[What an IRA Can Do for Your Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3107</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3107</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 07 Oct 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/171007-3107-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Market Update with Wayne Schmidt]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/40004</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/40004</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 14 Oct 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/171014-40004-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[The Costs of Financial Procrastination]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3108</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3108</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 28 Oct 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/171028-3108-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Tips to Help Create Your Retirement Strategy]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3109</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3109</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 04 Nov 17 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/171104-3109-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Is Your Retirement Prepared for a Bear Market?]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3110</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3110</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 18 Nov 17 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/171118-3110-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Comprehensive Financial Planning]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/40005</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/40005</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 25 Nov 17 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/171125-40005-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Are the Millennials in Your Life Financially Wise]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3111</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3111</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 16 Dec 17 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/171217-3111-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[What Will You Leave Behind?]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3112</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3112</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 13 Jan 18 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180112-3112-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Tax Reform and You]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/40006</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/40006</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 20 Jan 18 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180120-40006-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Running With The Bulls - Investing for a Bull Market]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3113</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3113</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 03 Feb 18 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180203-3113-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Prepare for Your Greatest Game]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3114</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3114</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 10 Feb 18 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180210-3114-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Schedule Your Retirement Check-Up]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3115</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3115</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 24 Feb 18 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180224-3115-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Tax Reform and You]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3117</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3117</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 24 Mar 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180324-3117-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Be Aware, Changes to Social Security and Medicare]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Your Social Security and Medicare benefits are changing. Listen in to find out how.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Your Social Security and Medicare benefits are changing. Listen in to find out how.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3118</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3118</guid>
            <description><![CDATA[Your Social Security and Medicare benefits are changing. Listen in to find out how.]]></description>


            
            <pubDate>Sat, 21 Apr 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180422-3118-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[2018 Tax Planning]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[There are a number of tax changes you need to be aware of and many of them could be useful for your retirement savings and plannings. In today's show John talks about how to take advantage of these changes.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[There are a number of tax changes you need to be aware of and many of them could be useful for your retirement savings and plannings. In today's show John talks about how to take advantage of these changes.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/40007</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/40007</guid>
            <description><![CDATA[There are a number of tax changes you need to be aware of and many of them could be useful for your retirement savings and plannings. In today's show John talks about how to take advantage of these changes.]]></description>


            
            <pubDate>Sat, 28 Apr 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180429-40007-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Are You Financially Literate]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[What you don't know about your finances could be costing you a lot of money and may cost you your retirement. Listen in as we discuss the problem and the solutions to help get you on track.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[What you don't know about your finances could be costing you a lot of money and may cost you your retirement. Listen in as we discuss the problem and the solutions to help get you on track.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3119</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3119</guid>
            <description><![CDATA[What you don't know about your finances could be costing you a lot of money and may cost you your retirement. Listen in as we discuss the problem and the solutions to help get you on track.]]></description>


            
            <pubDate>Sat, 05 May 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180506-3119-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Planning Your Legacy]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Legacy planning is a must, but what is it and how do you get started? On todays show Rob and Lori give you the information you need to get started with your own financial legacy plan and talk about just how important this is for everyone.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Legacy planning is a must, but what is it and how do you get started? On todays show Rob and Lori give you the information you need to get started with your own financial legacy plan and talk about just how important this is for everyone.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3120</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3120</guid>
            <description><![CDATA[Legacy planning is a must, but what is it and how do you get started? On todays show Rob and Lori give you the information you need to get started with your own financial legacy plan and talk about just how important this is for everyone.]]></description>


            
            <pubDate>Sat, 19 May 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180520-3120-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Preparing your Retirement Garden]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Getting your finances in order and coming up with a plan for retirement can be a lot like gardening. Find out how in this episode!]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Getting your finances in order and coming up with a plan for retirement can be a lot like gardening. Find out how in this episode!]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3121</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3121</guid>
            <description><![CDATA[Getting your finances in order and coming up with a plan for retirement can be a lot like gardening. Find out how in this episode!]]></description>


            
            <pubDate>Sat, 26 May 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180526-3121-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Finding your Financial Sherpa]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[What does a Sherpa and mountain climbing have to do with your finances? Listen in and find out!]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[What does a Sherpa and mountain climbing have to do with your finances? Listen in and find out!]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3122</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3122</guid>
            <description><![CDATA[What does a Sherpa and mountain climbing have to do with your finances? Listen in and find out!]]></description>


            
            <pubDate>Sat, 09 Jun 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180609-3122-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Living to Age 100 and Beyond!]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Living longer is becoming more and more common. That creates a need for a change in the way you plan for retirement. Listen in as we discuss strategies to deal with this.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Living longer is becoming more and more common. That creates a need for a change in the way you plan for retirement. Listen in as we discuss strategies to deal with this.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3123</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3123</guid>
            <description><![CDATA[Living longer is becoming more and more common. That creates a need for a change in the way you plan for retirement. Listen in as we discuss strategies to deal with this.]]></description>


            
            <pubDate>Sat, 16 Jun 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180616-3123-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Prepare to Board the Flight]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[You need to be prepared to make it through security and make your flight on time these days. You also need to make sure you're prepared for all of the financial changes you will have to face. In this show we discuss those changes and strategies to help you deal with them.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[You need to be prepared to make it through security and make your flight on time these days. You also need to make sure you're prepared for all of the financial changes you will have to face. In this show we discuss those changes and strategies to help you deal with them.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3124</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3124</guid>
            <description><![CDATA[You need to be prepared to make it through security and make your flight on time these days. You also need to make sure you're prepared for all of the financial changes you will have to face. In this show we discuss those changes and strategies to help you deal with them.]]></description>


            
            <pubDate>Sat, 14 Jul 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180714-3124-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Weather the Heat in Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[In this show we talk about dealing with the heat... the physical heat and the heat that fears of finances and retirement may cause.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[In this show we talk about dealing with the heat... the physical heat and the heat that fears of finances and retirement may cause.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3125</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3125</guid>
            <description><![CDATA[In this show we talk about dealing with the heat... the physical heat and the heat that fears of finances and retirement may cause.]]></description>


            
            <pubDate>Sat, 28 Jul 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180728-3125-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Managing the Hidden Costs of Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Don't get caught off guard and unprepared by hidden costs in retirement. In this show we discuss many of the financial surprises awaiting you in retirement and how to plan ahead for them.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Don't get caught off guard and unprepared by hidden costs in retirement. In this show we discuss many of the financial surprises awaiting you in retirement and how to plan ahead for them.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3127</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3127</guid>
            <description><![CDATA[Don't get caught off guard and unprepared by hidden costs in retirement. In this show we discuss many of the financial surprises awaiting you in retirement and how to plan ahead for them.]]></description>


            
            <pubDate>Sat, 04 Aug 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180804-3127-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Debt Danger]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Debt Danger Will Robinson! Don't let debt get you down. You need to avoid and pay down debt going into retirement. In this show we talk about strategies to help you deal with debt.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Debt Danger Will Robinson! Don't let debt get you down. You need to avoid and pay down debt going into retirement. In this show we talk about strategies to help you deal with debt.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3128</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3128</guid>
            <description><![CDATA[Debt Danger Will Robinson! Don't let debt get you down. You need to avoid and pay down debt going into retirement. In this show we talk about strategies to help you deal with debt.]]></description>


            
            <pubDate>Sat, 11 Aug 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180811-3128-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Ways to Avoid Returning to the Workforce after Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[You don't want to retire and then be forced to return to work because of your finances. It happens a lot, usually because of a lack of planning. In this show we go over tips to help you make sure this doesn't happen.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[You don't want to retire and then be forced to return to work because of your finances. It happens a lot, usually because of a lack of planning. In this show we go over tips to help you make sure this doesn't happen.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3129</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3129</guid>
            <description><![CDATA[You don't want to retire and then be forced to return to work because of your finances. It happens a lot, usually because of a lack of planning. In this show we go over tips to help you make sure this doesn't happen.]]></description>


            
            <pubDate>Sat, 18 Aug 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180818-3129-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Do Couples Work Together to Prepare for Retirement?]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Planning for retirement as a couple can be a unique challenge. In this episode we discuss retirement planning tips and strategies for retirement.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Planning for retirement as a couple can be a unique challenge. In this episode we discuss retirement planning tips and strategies for retirement.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3130</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3130</guid>
            <description><![CDATA[Planning for retirement as a couple can be a unique challenge. In this episode we discuss retirement planning tips and strategies for retirement.]]></description>


            
            <pubDate>Sat, 25 Aug 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180825-3130-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[401(k) During a Job Change]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[What do you do with that 401(k) or retirement account when you change jobs. There are options, some better than others. Listen in as we discuss which options might be best for you.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[What do you do with that 401(k) or retirement account when you change jobs. There are options, some better than others. Listen in as we discuss which options might be best for you.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3131</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3131</guid>
            <description><![CDATA[What do you do with that 401(k) or retirement account when you change jobs. There are options, some better than others. Listen in as we discuss which options might be best for you.]]></description>


            
            <pubDate>Sat, 01 Sep 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180901-3131-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[10 Tips to Control Expenses in Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Retirement is different for everyone. Some individuals retire just as they expected, others have retirement come earlier than expected through layoffs or a corporate restructuring. No matter how your retirement begins, controlling your expenses during retirement is important for any retiree. Today we talk about 10 tips to help you with this.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Retirement is different for everyone. Some individuals retire just as they expected, others have retirement come earlier than expected through layoffs or a corporate restructuring. No matter how your retirement begins, controlling your expenses during retirement is important for any retiree. Today we talk about 10 tips to help you with this.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3132</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3132</guid>
            <description><![CDATA[Retirement is different for everyone. Some individuals retire just as they expected, others have retirement come earlier than expected through layoffs or a corporate restructuring. No matter how your retirement begins, controlling your expenses during retirement is important for any retiree. Today we talk about 10 tips to help you with this.]]></description>


            
            <pubDate>Sat, 08 Sep 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180907-3132-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[The Financial Caddie and You]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[The best golfers rely on their caddies to have a great golf game plan. If you want to have a great financial game plan you need a great financial caddie. We talk about why and what they can offer with a lot of great tips to help you get your finances in order.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[The best golfers rely on their caddies to have a great golf game plan. If you want to have a great financial game plan you need a great financial caddie. We talk about why and what they can offer with a lot of great tips to help you get your finances in order.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3133</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3133</guid>
            <description><![CDATA[The best golfers rely on their caddies to have a great golf game plan. If you want to have a great financial game plan you need a great financial caddie. We talk about why and what they can offer with a lot of great tips to help you get your finances in order.]]></description>


            
            <pubDate>Sat, 15 Sep 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180915-3133-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[How to Reset Retirement Plans to Weather a Downturn]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[The next market downturn may be right around the corner and you need to be prepared. Make sure your finances are ready the storm with helpful tips and strategies in today's show.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[The next market downturn may be right around the corner and you need to be prepared. Make sure your finances are ready the storm with helpful tips and strategies in today's show.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3134</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3134</guid>
            <description><![CDATA[The next market downturn may be right around the corner and you need to be prepared. Make sure your finances are ready the storm with helpful tips and strategies in today's show.]]></description>


            
            <pubDate>Sat, 22 Sep 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180922-3134-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Surprising Ways to Boost Your Savings and Retirement Income]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Listen in to this episode for some great tips on how to help increase your savings and retirement income!]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Listen in to this episode for some great tips on how to help increase your savings and retirement income!]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3136</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3136</guid>
            <description><![CDATA[Listen in to this episode for some great tips on how to help increase your savings and retirement income!]]></description>


            
            <pubDate>Sat, 29 Sep 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/180929-3136-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[6 Downsizing Myths to be Aware of in Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[When it comes to downsizing, there are a lot of options. In this show we discuss strategies and options and how downsizing can help you with your income in retirement.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[When it comes to downsizing, there are a lot of options. In this show we discuss strategies and options and how downsizing can help you with your income in retirement.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3137</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3137</guid>
            <description><![CDATA[When it comes to downsizing, there are a lot of options. In this show we discuss strategies and options and how downsizing can help you with your income in retirement.]]></description>


            
            <pubDate>Sat, 06 Oct 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/181006-3137-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[5 Steps to Prep for a Better Retirement in your Sixties]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Today we are going to talk about some steps to improve your retirement when you are 60 or older. We will work through each of the five tips and talk about how they can help and apply to you and your retirement plans.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Today we are going to talk about some steps to improve your retirement when you are 60 or older. We will work through each of the five tips and talk about how they can help and apply to you and your retirement plans.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3138</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3138</guid>
            <description><![CDATA[Today we are going to talk about some steps to improve your retirement when you are 60 or older. We will work through each of the five tips and talk about how they can help and apply to you and your retirement plans.]]></description>


            
            <pubDate>Sat, 13 Oct 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/181013-3138-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Celebrities Legacy Planning Mistakes]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Not getting around to legacy planning can have long-term ramifications. We are going to look at some celebrities who made legacy planning mistakes that had long-term ramifications for their heirs.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Not getting around to legacy planning can have long-term ramifications. We are going to look at some celebrities who made legacy planning mistakes that had long-term ramifications for their heirs.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3139</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3139</guid>
            <description><![CDATA[Not getting around to legacy planning can have long-term ramifications. We are going to look at some celebrities who made legacy planning mistakes that had long-term ramifications for their heirs.]]></description>


            
            <pubDate>Sat, 27 Oct 18 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/181027-3139-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[5 Traits of Successful Teams]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[In this episode we talk about what makes teams successful and how you can use those traits to make sure your retirement strategy is set up to succeed and meet your long-term goals.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[In this episode we talk about what makes teams successful and how you can use those traits to make sure your retirement strategy is set up to succeed and meet your long-term goals.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3140</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3140</guid>
            <description><![CDATA[In this episode we talk about what makes teams successful and how you can use those traits to make sure your retirement strategy is set up to succeed and meet your long-term goals.]]></description>


            
            <pubDate>Sat, 17 Nov 18 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/170617-3100-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[What you Should Know about 529 Plans]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Student load debt is a serious problem for many people, including students, parents and even grand parents. In this show we talk about one possible solution.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Student load debt is a serious problem for many people, including students, parents and even grand parents. In this show we talk about one possible solution.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3142</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3142</guid>
            <description><![CDATA[Student load debt is a serious problem for many people, including students, parents and even grand parents. In this show we talk about one possible solution.]]></description>


            
            <pubDate>Sat, 01 Dec 18 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/181201-3142-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Qualified vs. Non-Qualified Money]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[In this episode we’re going to dive into the topic of qualified money versus non-qualified money and the possible tax treatment on both types of accounts.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[In this episode we’re going to dive into the topic of qualified money versus non-qualified money and the possible tax treatment on both types of accounts.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3145</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3145</guid>
            <description><![CDATA[In this episode we’re going to dive into the topic of qualified money versus non-qualified money and the possible tax treatment on both types of accounts.]]></description>


            
            <pubDate>Sat, 15 Dec 18 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/181215-3145-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Rollover Precautions]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Today we are talking about IRA and 401k rollovers. We’ll walk you through a number of precautions that you should take to avoid pitfalls and excessive penalties, taxes and fees.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Today we are talking about IRA and 401k rollovers. We’ll walk you through a number of precautions that you should take to avoid pitfalls and excessive penalties, taxes and fees.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3143</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3143</guid>
            <description><![CDATA[Today we are talking about IRA and 401k rollovers. We’ll walk you through a number of precautions that you should take to avoid pitfalls and excessive penalties, taxes and fees.]]></description>


            
            <pubDate>Sat, 22 Dec 18 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/181222-3143-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Retirement Conversations for Couples]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Communication is key to any relationship. However, it might be especially critical in a marriage. Today we’re going to  talk about 5 Retirement Issues couples need to talk about,]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Communication is key to any relationship. However, it might be especially critical in a marriage. Today we’re going to  talk about 5 Retirement Issues couples need to talk about,]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3149</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3149</guid>
            <description><![CDATA[Communication is key to any relationship. However, it might be especially critical in a marriage. Today we’re going to  talk about 5 Retirement Issues couples need to talk about,]]></description>


            
            <pubDate>Sat, 12 Jan 19 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190112-3149-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Spending Less in Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Many people forget to consider how much they’ll be spending in retirement. In this episode we’re going to talk about your retirement spending tips and, more importantly, spending less..]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Many people forget to consider how much they’ll be spending in retirement. In this episode we’re going to talk about your retirement spending tips and, more importantly, spending less..]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3150</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3150</guid>
            <description><![CDATA[Many people forget to consider how much they’ll be spending in retirement. In this episode we’re going to talk about your retirement spending tips and, more importantly, spending less..]]></description>


            
            <pubDate>Sat, 19 Jan 19 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190119-3150-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Procrastination and Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[It may be time for a procrastination intervention when it comes to your retirement strategy. What do you need to do first?]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[It may be time for a procrastination intervention when it comes to your retirement strategy. What do you need to do first?]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3152</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3152</guid>
            <description><![CDATA[It may be time for a procrastination intervention when it comes to your retirement strategy. What do you need to do first?]]></description>


            
            <pubDate>Sat, 26 Jan 19 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190126-3152-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[What if You Never Plan to Retire?]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Many workers today believe that they’ll keep working until they’re seventy five or older. In this episode we talk about how to intelligently financially plan even if you don’t intend to retire.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Many workers today believe that they’ll keep working until they’re seventy five or older. In this episode we talk about how to intelligently financially plan even if you don’t intend to retire.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3153</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3153</guid>
            <description><![CDATA[Many workers today believe that they’ll keep working until they’re seventy five or older. In this episode we talk about how to intelligently financially plan even if you don’t intend to retire.]]></description>


            
            <pubDate>Sat, 02 Feb 19 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190202-3153-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[All About Annuities]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Annuities can be confusing because they have many different options and uses. So today, we’re going to help simplify annuities and give you the pros and the cons.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Annuities can be confusing because they have many different options and uses. So today, we’re going to help simplify annuities and give you the pros and the cons.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3151</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3151</guid>
            <description><![CDATA[Annuities can be confusing because they have many different options and uses. So today, we’re going to help simplify annuities and give you the pros and the cons.]]></description>


            
            <pubDate>Sat, 09 Feb 19 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190209-3151-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Medicaid and Medicare - Things to Know]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[In this episode we talk about the differences between Medicare and Medicaid and talk about what is covered by Medicaid and what you need to know to help plan your healthcare costs in retirement.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[In this episode we talk about the differences between Medicare and Medicaid and talk about what is covered by Medicaid and what you need to know to help plan your healthcare costs in retirement.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3147</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3147</guid>
            <description><![CDATA[In this episode we talk about the differences between Medicare and Medicaid and talk about what is covered by Medicaid and what you need to know to help plan your healthcare costs in retirement.]]></description>


            
            <pubDate>Sat, 16 Feb 19 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190216-3147-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Triathlon of Life]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Looking at the three stages of life and how retirement is its own race, not the finish line.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Looking at the three stages of life and how retirement is its own race, not the finish line.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3154</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3154</guid>
            <description><![CDATA[Looking at the three stages of life and how retirement is its own race, not the finish line.]]></description>


            
            <pubDate>Sat, 23 Feb 19 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190223-3154-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Financial Challenges for Women in Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[This episode talks about the financial challenges for women in retirement and options for addressing those challenges.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[This episode talks about the financial challenges for women in retirement and options for addressing those challenges.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3156</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3156</guid>
            <description><![CDATA[This episode talks about the financial challenges for women in retirement and options for addressing those challenges.]]></description>


            
            <pubDate>Sat, 02 Mar 19 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190302-3156-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Planning for Taxes in Retirement]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3095</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3095</guid>
            <description><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn't have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></description>


            
            <pubDate>Sat, 09 Mar 19 00:00:00 -0600</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190309-3095-2-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Medicaid vs Long-Term Care Insurance]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[In this show we will examine the differences between Medicaid and long-term care insurance. They are different solutions to different issues you may face. We hope this show will help clear up some of the confusion between the two.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[In this show we will examine the differences between Medicaid and long-term care insurance. They are different solutions to different issues you may face. We hope this show will help clear up some of the confusion between the two.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3157</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3157</guid>
            <description><![CDATA[In this show we will examine the differences between Medicaid and long-term care insurance. They are different solutions to different issues you may face. We hope this show will help clear up some of the confusion between the two.]]></description>


            
            <pubDate>Sat, 16 Mar 19 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190316-3157-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Ways to Maximize Your Retirement Investments]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Discussing some options to maximize your retirement process and investments. In this episode we talk about ways to possibly increase your investments so you'll have the income you need in retirement.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Discussing some options to maximize your retirement process and investments. In this episode we talk about ways to possibly increase your investments so you'll have the income you need in retirement.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3155</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3155</guid>
            <description><![CDATA[Discussing some options to maximize your retirement process and investments. In this episode we talk about ways to possibly increase your investments so you'll have the income you need in retirement.]]></description>


            
            <pubDate>Sat, 23 Mar 19 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190323-3155-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Creating a Retirement Plan]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Pensions are disappearing. What can you do to make sure that you have adequate monthly income in retirement? Listen to this podcast to learn more about retirement preparation]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Pensions are disappearing. What can you do to make sure that you have adequate monthly income in retirement? Listen to this podcast to learn more about retirement preparation]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3158</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3158</guid>
            <description><![CDATA[Pensions are disappearing. What can you do to make sure that you have adequate monthly income in retirement? Listen to this podcast to learn more about retirement preparation]]></description>


            
            <pubDate>Sat, 06 Apr 19 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190406-3158-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Tax Refund Options to Improve Your Finances]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Are you receiving a tax refund this year? Do you have plans for those funds? Listen to this podcast to learn some options for your tax refund that can improve your finances.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Are you receiving a tax refund this year? Do you have plans for those funds? Listen to this podcast to learn some options for your tax refund that can improve your finances.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3159</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3159</guid>
            <description><![CDATA[Are you receiving a tax refund this year? Do you have plans for those funds? Listen to this podcast to learn some options for your tax refund that can improve your finances.]]></description>


            
            <pubDate>Sat, 04 May 19 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190504-3159-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Is Your Retirement Prepared for a Bear Market]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Defining what a Bear Market is and addressing the stages and causes. Also, strategies designed to help keep your retirement safe from a bear market.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Defining what a Bear Market is and addressing the stages and causes. Also, strategies designed to help keep your retirement safe from a bear market.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3164</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3164</guid>
            <description><![CDATA[Defining what a Bear Market is and addressing the stages and causes. Also, strategies designed to help keep your retirement safe from a bear market.]]></description>


            
            <pubDate>Sat, 01 Jun 19 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190601-3164-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Feelings and Finances]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[This episode examines the connection between your emotions and your financial life. Looking at tips and options to keep your finances safe from your emotional rollercoaster.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[This episode examines the connection between your emotions and your financial life. Looking at tips and options to keep your finances safe from your emotional rollercoaster.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3165</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3165</guid>
            <description><![CDATA[This episode examines the connection between your emotions and your financial life. Looking at tips and options to keep your finances safe from your emotional rollercoaster.]]></description>


            
            <pubDate>Sat, 08 Jun 19 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190608-3165-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Shocking Retirement Statistics and Mistakes]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[This episodes examines some statistics about retirement that may catch you off guard. We will also examine some retirement mistakes and discuss ways to avoid committing those mistakes in your retirement strategy.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[This episodes examines some statistics about retirement that may catch you off guard. We will also examine some retirement mistakes and discuss ways to avoid committing those mistakes in your retirement strategy.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3166</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3166</guid>
            <description><![CDATA[This episodes examines some statistics about retirement that may catch you off guard. We will also examine some retirement mistakes and discuss ways to avoid committing those mistakes in your retirement strategy.]]></description>


            
            <pubDate>Sat, 15 Jun 19 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190615-3166-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Avoid Phone Scams/What are Tariffs?]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[This episode focuses on two topics have recently been in the news Phone Call Scams and Tariffs. Do you know as much as you should about either topic?]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[This episode focuses on two topics have recently been in the news Phone Call Scams and Tariffs. Do you know as much as you should about either topic?]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3167</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3167</guid>
            <description><![CDATA[This episode focuses on two topics have recently been in the news Phone Call Scams and Tariffs. Do you know as much as you should about either topic?]]></description>


            
            <pubDate>Sat, 22 Jun 19 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190622-3167-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Retirement Communities, Wealth Building & Budget]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[This episode’s three segments focus on questions about preparing to choose and move to a retirement community, simple wealth building moves that you need to know and tips and suggestions for creating a retirement budget.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[This episode’s three segments focus on questions about preparing to choose and move to a retirement community, simple wealth building moves that you need to know and tips and suggestions for creating a retirement budget.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3168</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3168</guid>
            <description><![CDATA[This episode’s three segments focus on questions about preparing to choose and move to a retirement community, simple wealth building moves that you need to know and tips and suggestions for creating a retirement budget.]]></description>


            
            <pubDate>Sat, 29 Jun 19 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190629-3168-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Money and Relationships]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Money and relationships. At times they can feel a bit like oil and water. What steps can you take to avoid chaos and stress when it comes to discussing and managing finances?]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Money and relationships. At times they can feel a bit like oil and water. What steps can you take to avoid chaos and stress when it comes to discussing and managing finances?]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3169</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3169</guid>
            <description><![CDATA[Money and relationships. At times they can feel a bit like oil and water. What steps can you take to avoid chaos and stress when it comes to discussing and managing finances?]]></description>


            
            <pubDate>Sat, 20 Jul 19 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190720-3169-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[The Seven Deadly Sins of Retirement Planning]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[This episode looks at two different sets of the seven deadly sins of retirement planning. How many are you guilty of? We talk about what they are and how to avoid them.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[This episode looks at two different sets of the seven deadly sins of retirement planning. How many are you guilty of? We talk about what they are and how to avoid them.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3162</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3162</guid>
            <description><![CDATA[This episode looks at two different sets of the seven deadly sins of retirement planning. How many are you guilty of? We talk about what they are and how to avoid them.]]></description>


            
            <pubDate>Sat, 27 Jul 19 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190727-3162-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Examining Retirement Realities]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[This episode looks at some hard retirement facts that are often overlooked. Have you missed or ignored these uncomfortable truths?]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[This episode looks at some hard retirement facts that are often overlooked. Have you missed or ignored these uncomfortable truths?]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3171</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3171</guid>
            <description><![CDATA[This episode looks at some hard retirement facts that are often overlooked. Have you missed or ignored these uncomfortable truths?]]></description>


            
            <pubDate>Sat, 10 Aug 19 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190810-3171-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Life Insurance Basics and Options]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[What are some basics of life insurance? Is life insurance something that should be considered as a part of your financial or retirement strategy?]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[What are some basics of life insurance? Is life insurance something that should be considered as a part of your financial or retirement strategy?]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3172</link>
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            <description><![CDATA[What are some basics of life insurance? Is life insurance something that should be considered as a part of your financial or retirement strategy?]]></description>


            
            <pubDate>Sat, 17 Aug 19 00:00:00 -0500</pubDate>
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        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Tips to Reduce Spending and Avoid Wasteful Spending]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[How can you adjust your spending to save more to meet your financial goals? Are you spending money in a wasteful way?  In this show we talk about some helpful tips to help you accomplish that.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[How can you adjust your spending to save more to meet your financial goals? Are you spending money in a wasteful way?  In this show we talk about some helpful tips to help you accomplish that.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3173</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3173</guid>
            <description><![CDATA[How can you adjust your spending to save more to meet your financial goals? Are you spending money in a wasteful way?  In this show we talk about some helpful tips to help you accomplish that.]]></description>


            
            <pubDate>Sat, 24 Aug 19 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190824-3173-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Social Security Changes May Impact Your Monthly Check]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[Changes in Social Security can have a big impact on your personal finances in retirement. How will the most recently announced changes impact your personal economy?]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[Changes in Social Security can have a big impact on your personal finances in retirement. How will the most recently announced changes impact your personal economy?]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3174</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3174</guid>
            <description><![CDATA[Changes in Social Security can have a big impact on your personal finances in retirement. How will the most recently announced changes impact your personal economy?]]></description>


            
            <pubDate>Sat, 07 Sep 19 00:00:00 -0500</pubDate>
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        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
        <item>
            <title><![CDATA[Mistakes and Questions]]></title>
            <itunes:author><![CDATA[John Balcerzak]]></itunes:author>
            <itunes:subtitle><![CDATA[401(k) plans are one of the most common retirement products. But what are they really? What are some common mistakes to avoid? And what even is a 403(b) and how is it different?! This episode examines the ins and outs of 401(k)s.]]></itunes:subtitle>
            <itunes:summary>
                <![CDATA[401(k) plans are one of the most common retirement products. But what are they really? What are some common mistakes to avoid? And what even is a 403(b) and how is it different?! This episode examines the ins and outs of 401(k)s.]]>
            </itunes:summary>
            <link>https://radio.financiallytuned.com/john-balcerzak/3179</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/john-balcerzak/3179</guid>
            <description><![CDATA[401(k) plans are one of the most common retirement products. But what are they really? What are some common mistakes to avoid? And what even is a 403(b) and how is it different?! This episode examines the ins and outs of 401(k)s.]]></description>


            
            <pubDate>Sat, 28 Sep 19 00:00:00 -0500</pubDate>
            <enclosure length="0" type="audio/mpeg" url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/190928-3179-Balcerzak.mp3"/>
        <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">radio@gradientps.com (John Balcerzak)</dc:creator><itunes:explicit>no</itunes:explicit><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
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