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        <title>Operation Retirement</title>
        <link>http://gawealth.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:owner>
            <itunes:name>Tom Lowry</itunes:name>
            <itunes:email>radio@gradientps.com</itunes:email>
        </itunes:owner>
        <itunes:author>Tom Lowry</itunes:author>
        <itunes:category text="Business" />
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            <title>Operation Retirement</title>
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        <item>
            <title>Operation: Retirement Income Planning</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30005</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 27 Aug 17 00:00:00 -0500</pubDate>
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        <item>
            <title>Avoiding Common IRA and Retirement Account Mistakes</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30006</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 03 Sep 17 00:00:00 -0500</pubDate>
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        <item>
            <title>What Is The Color of Your Money?</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30007</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 10 Sep 17 00:00:00 -0500</pubDate>
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        </item>
        <item>
            <title>A Taxing Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30008</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 17 Sep 17 00:00:00 -0500</pubDate>
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        <item>
            <title>Operation Retirement: The Rules of Engagement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30009</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 24 Sep 17 00:00:00 -0500</pubDate>
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        <item>
            <title>Operation Longevity</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30010</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 01 Oct 17 00:00:00 -0500</pubDate>
            <enclosure
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        <item>
            <title>What an IRA Can Do for Your Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3107</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 08 Oct 17 00:00:00 -0500</pubDate>
            <enclosure
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        <item>
            <title>The Costs of Financial Procrastination</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3108</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 15 Oct 17 00:00:00 -0500</pubDate>
            <enclosure
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        <item>
            <title>Tips to Help Create Your Retirement Strategy</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3109</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 22 Oct 17 00:00:00 -0500</pubDate>
            <enclosure
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        </item>
        <item>
            <title>What an IRA Can Do for Your Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3107</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 29 Oct 17 00:00:00 -0500</pubDate>
            <enclosure
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        <item>
            <title>Is Your Retirement Prepared for a Bear Market?</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3110</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 05 Nov 17 00:00:00 -0500</pubDate>
            <enclosure
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        </item>
        <item>
            <title>Honoring our Veterans</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30011</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30011</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 12 Nov 17 00:00:00 -0600</pubDate>
            <enclosure
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        </item>
        <item>
            <title>Taxes in Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30012</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30012</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 19 Nov 17 00:00:00 -0600</pubDate>
            <enclosure
            url="https://s3-us-west-2.amazonaws.com/financiallytunedradio/radio-shows/171119-30012-Lowry-WDUN.mp3" 
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        </item>
        <item>
            <title>The Costs of Financial Procrastination</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3108</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 26 Nov 17 00:00:00 -0600</pubDate>
            <enclosure
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        </item>
        <item>
            <title>Tips to Help Create Your Retirement Strategy</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3109</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 03 Dec 17 00:00:00 -0600</pubDate>
            <enclosure
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        </item>
        <item>
            <title>Is Your Retirement Prepared for a Bear Market?</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3110</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 10 Dec 17 00:00:00 -0600</pubDate>
            <enclosure
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        </item>
        <item>
            <title>Year-End Retirement Planning</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3060</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/3060</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 17 Dec 17 00:00:00 -0600</pubDate>
            <enclosure
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        <item>
            <title>Operation Retirement: The Rules of Engagement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30009</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30009</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 24 Dec 17 00:00:00 -0600</pubDate>
            <enclosure
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        <item>
            <title>Operation Longevity</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30010</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30010</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 31 Dec 17 00:00:00 -0600</pubDate>
            <enclosure
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        <item>
            <title>The New Tax Plan</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30013</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30013</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 07 Jan 18 00:00:00 -0600</pubDate>
            <enclosure
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        <item>
            <title>What Will You Leave Behind?</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3112</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 14 Jan 18 00:00:00 -0600</pubDate>
            <enclosure
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        <item>
            <title>Putting a Perimeter Around Your Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30014</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30014</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 21 Jan 18 00:00:00 -0600</pubDate>
            <enclosure
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        <item>
            <title>Running With The Bulls - Investing for a Bull Market</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3113</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 28 Jan 18 00:00:00 -0600</pubDate>
            <enclosure
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        <item>
            <title>Retirement Tax Planning: Roth IRA</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3033</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/3033</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 04 Feb 18 00:00:00 -0600</pubDate>
            <enclosure
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        <item>
            <title>Retirement Planning for Long-Term Care</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3050</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/3050</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 11 Feb 18 00:00:00 -0600</pubDate>
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        </item>
        <item>
            <title>Prepare for Your Greatest Game</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3114</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 18 Feb 18 00:00:00 -0600</pubDate>
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        </item>
        <item>
            <title>Taxes in Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30012</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30012</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 25 Feb 18 00:00:00 -0600</pubDate>
            <enclosure
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        </item>
        <item>
            <title>Schedule Your Retirement Check-Up</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3115</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 04 Mar 18 00:00:00 -0600</pubDate>
            <enclosure
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        </item>
        <item>
            <title>Caring for Aging Parents In Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3091</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 11 Mar 18 00:00:00 -0600</pubDate>
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        <item>
            <title>How Do You Feel About Your Finances?</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3116</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/3116</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 18 Mar 18 00:00:00 -0500</pubDate>
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        </item>
        <item>
            <title>The New Tax Plan</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30013</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30013</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 25 Mar 18 00:00:00 -0500</pubDate>
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        </item>
        <item>
            <title>Tax Reform and You</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3117</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 01 Apr 18 00:00:00 -0500</pubDate>
            <enclosure
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        <item>
            <title>Managing Your IRA</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3026</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/3026</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 08 Apr 18 00:00:00 -0500</pubDate>
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        <item>
            <title>Be Aware, Changes to Social Security and Medicare</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3118</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/3118</guid>
            <description><![CDATA[Your Social Security and Medicare benefits are changing. Listen in to find out how.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 15 Apr 18 00:00:00 -0500</pubDate>
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        <item>
            <title>Roth IRA's and Your Nest Egg</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30015</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30015</guid>
            <description><![CDATA[Do you have a 401k, IRA or any type of retirement account? In this episode Tom Lowry talks about how to minimize the tax burden of these accounts.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 22 Apr 18 00:00:00 -0500</pubDate>
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        <item>
            <title>Putting a Perimeter Around Your Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30014</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30014</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 29 Apr 18 00:00:00 -0500</pubDate>
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        <item>
            <title>The New Tax Changes</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30016</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30016</guid>
            <description><![CDATA[Don't pay more than you have to in taxes. Especially in retirement! Listen in as we discuss the new tax lows and how to take advantage of them right now.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 13 May 18 00:00:00 -0500</pubDate>
            <enclosure
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        </item>
        <item>
            <title>Are You Financially Literate</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3119</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 20 May 18 00:00:00 -0500</pubDate>
            <enclosure
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        </item>
        <item>
            <title>Preparing your Retirement Garden</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3121</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 27 May 18 00:00:00 -0500</pubDate>
            <enclosure
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        </item>
        <item>
            <title>Tips for Income Planning</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30017</link>
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            <description><![CDATA[In this episode Tom gives helpful tips to help you make sure you'll have enough savings and growth to create an income in retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 03 Jun 18 00:00:00 -0500</pubDate>
            <enclosure
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        <item>
            <title>Creating a Retirement Paycheck</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30018</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30018</guid>
            <description><![CDATA[The most important aspect of retirement is creating an income that will last. In this episode Tom talks about the strategies necessary to help make that happen.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 10 Jun 18 00:00:00 -0500</pubDate>
            <enclosure
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        <item>
            <title>Lifetime Income Facts</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30019</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30019</guid>
            <description><![CDATA[How will you make your money last as long as you do? Get help from Tom Lowry in this episode of Operation Retirement!]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 17 Jun 18 00:00:00 -0500</pubDate>
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        </item>
        <item>
            <title>The New Tax Changes</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30016</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30016</guid>
            <description><![CDATA[Don't pay more than you have to in taxes. Especially in retirement! Listen in as we discuss the new tax lows and how to take advantage of them right now.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 24 Jun 18 00:00:00 -0500</pubDate>
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        </item>
        <item>
            <title>Your Retirement Lifestyle</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3028</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/3028</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 01 Jul 18 00:00:00 -0500</pubDate>
            <enclosure
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        </item>
        <item>
            <title>Tips for Income Planning</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30017</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30017</guid>
            <description><![CDATA[In this episode Tom gives helpful tips to help you make sure you'll have enough savings and growth to create an income in retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 08 Jul 18 00:00:00 -0500</pubDate>
            <enclosure
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        <item>
            <title>Prepare to Board the Flight</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3124</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 15 Jul 18 00:00:00 -0500</pubDate>
            <enclosure
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        <item>
            <title>Prepare for Your Greatest Game</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3114</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 22 Jul 18 00:00:00 -0500</pubDate>
            <enclosure
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        </item>
        <item>
            <title>Managing the Hidden Costs of Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3127</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 29 Jul 18 00:00:00 -0500</pubDate>
            <enclosure
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        </item>
        <item>
            <title>Schedule Your Retirement Check-Up</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3115</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 05 Aug 18 00:00:00 -0500</pubDate>
            <enclosure
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        <item>
            <title>How Do You Feel About Your Finances?</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3116</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/3116</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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 12 Aug 18 00:00:00 -0500</pubDate>
            <enclosure
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        </item>
        <item>
            <title>401(k) During a Job Change</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3131</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 19 Aug 18 00:00:00 -0500</pubDate>
            <enclosure
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        </item>
        <item>
            <title>10 Tips to Control Expenses in Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3132</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 26 Aug 18 00:00:00 -0500</pubDate>
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        <item>
            <title>Ways to Avoid Returning to the Workforce after Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3129</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 02 Sep 18 00:00:00 -0500</pubDate>
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        <item>
            <title>Creating The Ultimate Retirement Income Plan</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30020</link>
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            <description><![CDATA[Don't run out of money in retirement. Have a plan. Retirement Ranger Tom Lowry talks about ways to help you grow your nest egg and retire comfortably.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 09 Sep 18 00:00:00 -0500</pubDate>
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        <item>
            <title>The Financial Caddie and You</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3133</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 16 Sep 18 00:00:00 -0500</pubDate>
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        <item>
            <title>How to Reset Retirement Plans to Weather a Downturn</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3134</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 23 Sep 18 00:00:00 -0500</pubDate>
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        <item>
            <title>Bucket Planning Until You Kick The Bucket</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30021</link>
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            <description><![CDATA[In this episode Tom goes over helpful ways to allocate your finances to help make them last as long as you do.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 30 Sep 18 00:00:00 -0500</pubDate>
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        <item>
            <title>Bucket Planning Until You Kick The Bucket</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30021</link>
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            <description><![CDATA[In this episode Tom goes over helpful ways to allocate your finances to help make them last as long as you do.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 28 Apr 19 00:00:00 -0500</pubDate>
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        <item>
            <title>Shocking Retirement Statistics and Mistakes</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3166</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 09 Jun 19 00:00:00 -0500</pubDate>
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        <item>
            <title>Creating a Retirement Plan</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3158</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 16 Jun 19 00:00:00 -0500</pubDate>
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        <item>
            <title>Qualified vs. Non-Qualified Money</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3145</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 14 Jul 19 00:00:00 -0500</pubDate>
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        <item>
            <title>The Three Phases of Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30022</link>
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            <description><![CDATA[In this episode Tom talks about the 3 phases of retirement and how to put a plan in place to help you deal with them. From income in retirement to healthcare and more, you need a plan and this is where you need to start.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 21 Jul 19 00:00:00 -0500</pubDate>
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            <title>You Need Both a Qualified and Non-Qualified Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30023</link>
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            <description><![CDATA[What is the difference between Qualified and Non-Qualified retirement money? It could drastically impact your retirement if you don't have the right balance in your portfolio or savings. Listen in as Ranger Tom Lowry talks about the differences and what you need to know.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 28 Jul 19 00:00:00 -0500</pubDate>
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        <item>
            <title>Possible Income Sources in Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30024</link>
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            <description><![CDATA[In this episode we discuss possible income sources for your retirement. There are many, from Social Security to 401(k)'s and much more. We look at the various possibilities and how to maximize them so you your money will last as long as you do and enable you to have a successful and comfortable retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 04 Aug 19 00:00:00 -0500</pubDate>
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        <item>
            <title>8 Must-Know Social Security Rules</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3100</link>
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            <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>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 11 Aug 19 00:00:00 -0500</pubDate>
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        <item>
            <title>Your Paycheck and Your Playcheck!</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30025</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/30025</guid>
            <description><![CDATA[In this episode we talk about the market volatility and how you can weather the storm via asset allocation. There are two main asset classes and we go over what they are and how to achieve the right balance to help with your retirement savings and income.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 18 Aug 19 00:00:00 -0500</pubDate>
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        <item>
            <title>What You Need to Know About Annuities</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30026</link>
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            <description><![CDATA[Today, we’re going to talk about annuities. You’ve probably heard of them and some of you might be quite familiar with them. However, they can be confusing because they have many different options. So today, we’re going to help simplify annuities and let you know why it's so important you understand what they are for and when to use them.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 01 Sep 19 00:00:00 -0500</pubDate>
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        <item>
            <title>Operation Optimistic Retirement - How positivity overcomes stress to help you stay healthy!</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30027</link>
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            <description><![CDATA[How much you have saved is not the only thing to think about in retirement. Listen in to see how positivity can keep you healthier!]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 08 Sep 19 00:00:00 -0500</pubDate>
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        <item>
            <title>Financial Planning - Healthcare, Medicare and Asset Allocation</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30028</link>
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            <description><![CDATA[In this episode Ranger Tom breaks down what you need to know about getting a plan in place for retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 15 Sep 19 00:00:00 -0500</pubDate>
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        <item>
            <title>A Bucket Plan Until You Kick The Bucket</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30029</link>
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            <description><![CDATA[Money for now, money for soon and money for later. In this episode we talk about why it's important to figure out how much you need in each of those categories and some helpful tips to help you with this goal.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 29 Sep 19 00:00:00 -0500</pubDate>
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            <title>Understanding IRA's and making them Work For You!</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30030</link>
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            <description><![CDATA[In this episode we look at IRA's. What are they? Where did they Come From? We look at the main two type of IRA's and how you can avoid costly mistakes.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 06 Oct 19 00:00:00 -0500</pubDate>
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        <item>
            <title>Bears Eating Trees and Financial Fees</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30031</link>
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            <description><![CDATA[For today's show the title says it all! Tom talks about the bear that ate his tree and then we discuss fees that you pay on your financial accounts and how to lower them.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 13 Oct 19 00:00:00 -0500</pubDate>
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        <item>
            <title>Medicare – A Beginner’s Guide</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3186</link>
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            <description><![CDATA[Medicare can be a confusing subject. There are so many parts, rules and regulations. Where do you even start when looking at Medicare? This episode serves as a potential beginner’s guide to Medicare.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 27 Oct 19 00:00:00 -0500</pubDate>
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            <title>Make Estate Planning Great Again!</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30032</link>
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            <description><![CDATA[You’ve worked hard saving money for your future and any loved ones or organizations that you care about. It may be easy to feel overwhelmed by the legacy planning process, but there are steps you can start taking today to make the process less daunting.  In this episode we give you helpful tips and strategies to accomplish this.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 03 Nov 19 00:00:00 -0500</pubDate>
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        </item>
        <item>
            <title>The SECURE Act: Changes to IRAs</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3185</link>
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            <description><![CDATA[Congress is proposing some big changes to Independent Retirement Accounts. What are some of these changes? How might they impact you? What is a Stretch IRA and how does it function? This episodes looks at all of these questions and more.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 22 Dec 19 00:00:00 -0600</pubDate>
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        </item>
        <item>
            <title>The SECURE Act: Changes to IRAs</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3185</link>
            <guid isPermaLink="true">https://radio.financiallytuned.com/tom-lowry/3185</guid>
            <description><![CDATA[Congress is proposing some big changes to Independent Retirement Accounts. What are some of these changes? How might they impact you? What is a Stretch IRA and how does it function? This episodes looks at all of these questions and more.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 12 Jan 20 00:00:00 -0600</pubDate>
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        <item>
            <title>Annuities: Perceptions Versus Realities</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3201</link>
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            <description><![CDATA[The financial media is flooded with information about annuities. Some of it may be good to know. Some may not be. How can you filter the perceptions that are rooted in reality from the ones that aren’t?]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 19 Jan 20 00:00:00 -0600</pubDate>
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        <item>
            <title>All About 401(k) Rollovers</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3202</link>
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            <description><![CDATA[What happens if you leave a job or are considering rolling your 401(k) over? Today we tackle this question and more regarding your 401(k) or 403(b).]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 26 Jan 20 00:00:00 -0600</pubDate>
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        <item>
            <title>The SECURE Act and Your Financial Plan</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30034</link>
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            <description><![CDATA[The SECURE Act is changing the way you can utilize and pass on your IRA's and retirement accounts. You need a written financial , retirement and legacy plan. In todays show special guest host Rosemary Ballance talks about the process to get a complementary consultation and get a written plan.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 02 Feb 20 00:00:00 -0600</pubDate>
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        <item>
            <title>The Cost of Undoing &quot;I do's&quot;</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3210</link>
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            <description><![CDATA[Unfortunately, divorce is a reality for many people. The impact it has on your finances, savings and retirement plans can be significant. In this episode we talk about what you need to know to protect your retirement and finances from divorce.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 08 Mar 20 00:00:00 -0600</pubDate>
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        <item>
            <title>Financial Pandemic Plan</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30038</link>
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            <description><![CDATA[In this episode Ranger Tom talks about having a financial plan to weather the market and pandemic storms. Listen in for helpful tips and advice to help you plan for your financial future.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 22 Mar 20 00:00:00 -0500</pubDate>
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            <title>Surviving Market Volatility</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30039</link>
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            <description><![CDATA[With all of the market turmoil and craziness... what should you do with your money? In this episode we talk about tips and strategies to weather the storm and look at the financial upside.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 29 Mar 20 00:00:00 -0500</pubDate>
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            <title>Steps to Have a Happy and Successful Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30040</link>
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            <description><![CDATA[In this episode Financial and Retirement Ranger Tom Lowry talks about what is going on out there right now with the Coronavirus and the markets and gives us 4 steps to help us have a happy and successful retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 12 Apr 20 00:00:00 -0500</pubDate>
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            <title>Retirement Strategies During Hard Economic Times</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30041</link>
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            <description><![CDATA[In this episode Ranger Tom Lowry talks about the retirement strategies that you need to have in place to make sure you have a comfortable retirement and to help make your money last as long as you do.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 19 Apr 20 00:00:00 -0500</pubDate>
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        <item>
            <title>Saving Your Retirement In The Age of Covid-19</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30042</link>
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            <description><![CDATA[There are a lot of things happening to your retirement accounts right now. In this episode Tom Lowry talks about helpful ways to save your retirement and strategies to keep you on the right financial path.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 26 Apr 20 00:00:00 -0500</pubDate>
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        <item>
            <title>When ROI Needs to Become ROI</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30043</link>
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            <description><![CDATA[Don't let the title of this episode fool you! Tom has an explanation. You want to get a good return on your investment. You need to get a good return on your retirement investment. In this episode Tom explains ways to help you to go about doing that.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 10 May 20 00:00:00 -0500</pubDate>
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        <item>
            <title>Long Term Care - What You Need to Know</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30044</link>
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            <description><![CDATA[In this episode we discuss long-term care and why it's important for everyone to understand the costs and solutions to help you plan for it so it doesn't derail your retirement or leave a burden for your loved ones.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 17 May 20 00:00:00 -0500</pubDate>
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            <title>To Roth or Not to Roth? That is the question!</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30045</link>
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            <description><![CDATA[Roth IRAs can be a solid part of an overall financial strategy. In this episode will describe Roth IRAs, compare them to traditional IRAs, highlight their tax implications and then look at rollovers.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 24 May 20 00:00:00 -0500</pubDate>
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        <item>
            <title>The History of Social Security</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30046</link>
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            <description><![CDATA[The foundation of any solid retirement plan is Social Security. In this episode Tom talks about understanding what it is and where it came from and how to help you make the right decisions regarding your benefits.  This could end up  creating additional income for you in retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 31 May 20 00:00:00 -0500</pubDate>
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            <title>Empowering Women for Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30047</link>
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            <description><![CDATA[In this episode Tom talks about the financial obstacles and difficulties that women face in retirement and strategies to overcome them.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 07 Jun 20 00:00:00 -0500</pubDate>
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        <item>
            <title>Father's Day Special</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30048</link>
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            <description><![CDATA[In this episode we pay tribute to all of the dads out there. Tom talks about his father and his father-in-law and what they mean to us. He also gives some financial advice for dads.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 21 Jun 20 00:00:00 -0500</pubDate>
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            <title>Preparing for Retirement as a Couple</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3225</link>
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            <description><![CDATA[Looking toward retirement should be a time of optimism and excitement for couples. But in reality, there are numerous traps and obstacles standing between couples and a fulfilling retirement. Yet, with some honest conversations and comprehensive strategizing, couples can view their impending retirement with confidence.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 28 Jun 20 00:00:00 -0500</pubDate>
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        <item>
            <title>How To Manage Your Financial Risk</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30050</link>
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            <description><![CDATA[Everyone has a different risk tolerance. We talk about 2 of the major risks in retirement and the strategies to help eliminate and manage that risk to make your money last.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 19 Jul 20 00:00:00 -0500</pubDate>
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            <title>Retirement is a Game Changer</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30051</link>
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            <description><![CDATA[Retirement isn't the end, it's a new beginning and you need to be prepared for this chapter of your life that you've worked so hard for. Keep up with the changes and make the most of your retirement. Ranger Tom talks about tips and strategies to help you accomplish this and more.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 26 Jul 20 00:00:00 -0500</pubDate>
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            <title>A Color Coordinated Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30052</link>
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            <description><![CDATA[This week Ranger Tom and Tony go over how to color code your retirement. Money can be colors other than just green. What color is your money?]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 02 Aug 20 00:00:00 -0500</pubDate>
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            <title>7 Steps to a Happy Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30053</link>
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            <description><![CDATA[In this episode Tom goes over the 7 main things you need to do to prepare for a happy retirement!]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 09 Aug 20 00:00:00 -0500</pubDate>
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            <title>You Have to Plan for Long-Term Care</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30054</link>
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            <description><![CDATA[People are living longer and longer. That's a good thing, but it also means more and more people need assisted living and long-term care. In this episode we talk about the cost and the importance of planning ahead as well as strategies to help cover the costs.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 23 Aug 20 00:00:00 -0500</pubDate>
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            <title>Politics and Your Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30055</link>
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            <description><![CDATA[In this episode we talk about how politics and the current election can affect your retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 30 Aug 20 00:00:00 -0500</pubDate>
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        <item>
            <title>Making Your Red Money Yellow</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30056</link>
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            <description><![CDATA[In this show Ranger Tom talks about managing your financial risk and how to turn that red money yellow!]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 06 Sep 20 00:00:00 -0500</pubDate>
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        <item>
            <title>The Outcome of Your Savings Will Be Income</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30057</link>
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            <description><![CDATA[In this episode Tom breaks down your retirement savings and how to use it to create an income that will last once you retire. We talk about tips and strategies for retirement income planning.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 20 Sep 20 00:00:00 -0500</pubDate>
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            <title>Creating a triple P--A Personal Pension Plan</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30058</link>
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            <description><![CDATA[Most folks no longer get a pension from their employers. In today's show Tom talks about how to create your own personal pension using the income tools you do have.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 27 Sep 20 00:00:00 -0500</pubDate>
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            <title>Will You Have a Qualified or Non-Qualified Retirement?</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30059</link>
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            <description><![CDATA[In this episode we discuss the difference between qualified and non-qualified retirement accounts, from 401(k)'s to IRA's. Most importantly the tax implications for your retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 04 Oct 20 00:00:00 -0500</pubDate>
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            <title>The 2 Things To Do with Your Money</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30060</link>
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            <description><![CDATA[There are only two things you can do with your money. In this episode Tom talks about what they are and tips to help you plan for these things in the future.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 11 Oct 20 00:00:00 -0500</pubDate>
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            <title>How to Minimize Taxes In Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30061</link>
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            <description><![CDATA[In this episode we discuss taxes in retirement and Tom gives us some tips and strategies to plan now to minimize your tax burden in retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 25 Oct 20 00:00:00 -0500</pubDate>
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            <title>Sequence of Return Risk</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30062</link>
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            <description><![CDATA[In this episode Tom explains what "sequence of returns" means and why it can make or break you in retirement as well as how to plan for it.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 01 Nov 20 00:00:00 -0500</pubDate>
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        <item>
            <title>Annuities: Perceptions Versus Realities</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/3201</link>
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            <description><![CDATA[The financial media is flooded with information about annuities. Some of it may be good to know. Some may not be. How can you filter the perceptions that are rooted in reality from the ones that aren’t?]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 08 Nov 20 00:00:00 -0600</pubDate>
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        <item>
            <title>How to Combat Low Interest Rates</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30063</link>
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            <description><![CDATA[In this episode we talk about how to deal with low interest rates. Tom has some great tips and strategies to help you beat inflation and where to put your money when interest rates are low.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 15 Nov 20 00:00:00 -0600</pubDate>
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        <item>
            <title>Planning for Your No Go Years</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30064</link>
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            <description><![CDATA[In this episode Tom tells us about the Go Go Years, The Slow Go Years and the No Go Years. Each stage of life requires careful financial planning and Tom gives us tips and strategies to make sure we can make it through all three of these.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 22 Nov 20 00:00:00 -0600</pubDate>
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        <item>
            <title>Turkey Talk</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30065</link>
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            <description><![CDATA[In this episode Tom talks turkey... mostly about what you need to do before the end of the year regarding your finances.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 29 Nov 20 00:00:00 -0600</pubDate>
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        <item>
            <title>Free and Fair Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30066</link>
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            <description><![CDATA[In this episode we jump right into the election mess that seems to be focused on Georgia right now and talk about the need for free and fair elections as well as tips to having a trouble-free and fair retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 13 Dec 20 00:00:00 -0600</pubDate>
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        <item>
            <title>The Christmas Extravaganza</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30067</link>
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            <description><![CDATA[In this episode we talk about Having a Merry Christmas and how to have a Merry Retirement! Tom gives us some tips and strategies to help with that and also shares one of his favorite Christmas songs.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 20 Dec 20 00:00:00 -0600</pubDate>
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        <item>
            <title>Asset Protection for Long-Term Care</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30068</link>
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            <description><![CDATA[In this episode Tom talks about long-term care in retirement and ways to protect your money from this enormous cost.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 10 Jan 21 00:00:00 -0600</pubDate>
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        <item>
            <title>The New Administration and Your Finances</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30069</link>
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            <description><![CDATA[We are heading into a new era and there are concerns about taxes, inflation and the market. In today's show we discuss the current landscape and how it might affect your finances and what to do to help protect your retirement accounts.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 24 Jan 21 00:00:00 -0600</pubDate>
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        <item>
            <title>Saving Money in a Taxing Time</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30070</link>
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            <description><![CDATA[In this episode we talk how taxes will be going up. At this point it's not if, but how soon and how much? This is especially troublesome as you plan for retirement. Many accounts are tax deferred. Tom talks about planning and strategies to prepare for taxes in retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 31 Jan 21 00:00:00 -0600</pubDate>
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        <item>
            <title>How To Create An Income Plan</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30071</link>
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            <description><![CDATA[In this episode we talk about how you can create a solid retirement income plan so you won't run out of money in retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 28 Feb 21 00:00:00 -0600</pubDate>
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        <item>
            <title>Housing and Retirement Income</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30072</link>
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            <description><![CDATA[In this episode we talk a bit about housing in retirement and downsizing and then Tom discusses strategies for retirement income.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 07 Mar 21 00:00:00 -0600</pubDate>
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            <title>Market Risk</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30073</link>
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            <description><![CDATA[In this episode we talk about market risk and what it can do to your retirement savings. Tom gives tips and strategies to protect against risk.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 14 Mar 21 00:00:00 -0600</pubDate>
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        <item>
            <title>The Secret To a Happy Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30074</link>
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            <description><![CDATA[In this episode Retirement Ranger and 5 Star Wealth Advisor in Atlanta Magazine, Tom Lowry, talks about tips and strategies that can help you to have a happy retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 21 Mar 21 00:00:00 -0500</pubDate>
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        <item>
            <title>To Roth, or Not to Roth? That is the question…</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30075</link>
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            <description><![CDATA[In this episode we break down Roth IRA's and why now might be the time to utilize a Roth to further your money and minimize taxes in retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 28 Mar 21 00:00:00 -0500</pubDate>
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        <item>
            <title>Paychecks and Playchecks</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30076</link>
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            <description><![CDATA[In this episode we talk about how important it is to have both political as well as financial information that you can trust. Tom talks about how to position your retirement so you don't run out of paychecks and playchecks. He talks about the differences and importance of both.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 04 Apr 21 00:00:00 -0500</pubDate>
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        <item>
            <title>How to get a Retirement Plan</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30077</link>
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            <description><![CDATA[In this episode we discuss the importance of a retirement plan and how to get a solid plan in place.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 11 Apr 21 00:00:00 -0500</pubDate>
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        <item>
            <title>Avoiding Key Retirement Mistakes</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30078</link>
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            <description><![CDATA[In this episode we discuss 5 key retirement mistakes and how to avoid them.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 18 Apr 21 00:00:00 -0500</pubDate>
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        <item>
            <title>Fake News and Your Finances</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30079</link>
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            <description><![CDATA[In this episode we talk about the fake news and why it's important not to believe everything you see on the internet and hear from the media, and that goes for your finances as well!]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 02 May 21 00:00:00 -0500</pubDate>
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        <item>
            <title>The History of Annuities</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30080</link>
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            <description><![CDATA[In this episode we look at the history of annuities and what you need to know. The good, the bad and the ugly!]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 09 May 21 00:00:00 -0500</pubDate>
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        <item>
            <title>Your Money - The Outcome is Income</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30081</link>
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            <description><![CDATA[In this show, Tom talks about what you're saving for and how to create an income in retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 16 May 21 00:00:00 -0500</pubDate>
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        <item>
            <title>The Basics of Estate Planning</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30082</link>
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            <description><![CDATA[In this episode we talk about what you need to know about estate and legacy planning and why it's so important to have a plan in place.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 23 May 21 00:00:00 -0500</pubDate>
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        <item>
            <title>Mission Number One - Create a Retirement Plan</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30083</link>
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            <description><![CDATA[In this episode Ranger Tom breaks down what you need to know to create a solid retirement plan.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 30 May 21 00:00:00 -0500</pubDate>
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        <item>
            <title>The 5 P Principal</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30084</link>
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            <description><![CDATA[In this episode Ranger Tom talks about the 5 P Principal and the importance of having a well-designed financial plan.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 13 Jun 21 00:00:00 -0500</pubDate>
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        <item>
            <title>Let's Make Retirement Fun Again!</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30085</link>
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            <description><![CDATA[In this episode we talk about how to plan for the retirement you have always wanted.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 20 Jun 21 00:00:00 -0500</pubDate>
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        <item>
            <title>Tackling Inflation and Social Security Problems</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30086</link>
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            <description><![CDATA[In this episode Retirement Ranger and Atlanta Magazine 5-Star Wealth Advisor Tom Lowry tackles the financial problems of inflation and Social Security.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 27 Jun 21 00:00:00 -0500</pubDate>
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        <item>
            <title>Independence Day</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30087</link>
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            <description><![CDATA[In this special Independence Day episode Ranger Tom talks about achieving financial independence and continues the shows 4 of July tradition.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 04 Jul 21 00:00:00 -0500</pubDate>
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        <item>
            <title>Inflation and Taxes - Oh No!</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30088</link>
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            <description><![CDATA[Today we talk about 2 things that can definitely drain your finances, inflation and taxes. Tom talks about what to expect and how to help protect your finances.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 11 Jul 21 00:00:00 -0500</pubDate>
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        <item>
            <title>Inflation and the Need for Increasing Retirement Income</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30089</link>
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            <description><![CDATA[In this episode Ranger Tom digs into inflation and how you can help protect your finances.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 18 Jul 21 00:00:00 -0500</pubDate>
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        <item>
            <title>How the Election Affects Retirement</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30090</link>
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            <description><![CDATA[In this episode Tom talks politics and it's possible effect on your retirement plans.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sun, 08 Aug 21 00:00:00 -0500</pubDate>
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        <item>
            <title>The Outcome of Your Money Will Be Income</title>
            <itunes:author>Tom Lowry</itunes:author>
            <link>https://radio.financiallytuned.com/tom-lowry/30091</link>
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            <description><![CDATA[In this episode we talk about how you can turn your money into income in retirement.]]></description>

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            <pubDate>Sun, 15 Aug 21 00:00:00 -0500</pubDate>
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            <title>To Roth or Not to Roth</title>
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            <description><![CDATA[In this episode Ranger Tom talks about the importance of Roth IRA's and strategies to use them to avoid a ticking tax time-bomb.]]></description>

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            <pubDate>Sat, 28 Aug 21 00:00:00 -0500</pubDate>
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            <title>Rear Security for Your Portfolio</title>
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            <description><![CDATA[With finances you need to have 360 degree vision. That's where Ranger Tom can help. In this show he talks about ways to help secure your portfolio from rear attacks.]]></description>

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            <pubDate>Sat, 04 Sep 21 00:00:00 -0500</pubDate>
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            <title>Protect Your Assets from Taxes &amp; Inflation</title>
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            <description><![CDATA[In this show we discuss possible strategies to help protect your assets from taxes and inflation.]]></description>

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            <pubDate>Sat, 18 Sep 21 00:00:00 -0500</pubDate>
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            <description><![CDATA[In this episode Retirement Ranger Tom Lowry goes over the steps you need to have a happy retirement.]]></description>

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            <pubDate>Sat, 25 Sep 21 00:00:00 -0500</pubDate>
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            <title>You Must Have a Plan for Long-term Care</title>
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            <description><![CDATA[In this episode we discuss how to plan and pay for long-term care.]]></description>

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            <pubDate>Sat, 02 Oct 21 00:00:00 -0500</pubDate>
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            <title>How Much Risk Can You Take?</title>
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            <description><![CDATA[In this episode Tom talks about financial risk and how to understand your own personal risk tolerance when it comes to your savings.]]></description>

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            <pubDate>Sat, 09 Oct 21 00:00:00 -0500</pubDate>
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            <title>Retirement Income 101</title>
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            <description><![CDATA[In this episode Tom talks about ways to create and plan for a reliable retirement income.]]></description>

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            <pubDate>Sat, 16 Oct 21 00:00:00 -0500</pubDate>
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            <description><![CDATA[When is the right time to file for Social Security? In this episode retirement ranger Tom Lowry talks about what you need to know to help maximize your Social Security benefits.]]></description>

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            <pubDate>Sat, 23 Oct 21 00:00:00 -0500</pubDate>
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            <title>IRA Tips and Changes</title>
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            <description><![CDATA[In this episode Retirement Ranger Tom Lowry goes over what you need to know about IRA's.]]></description>

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            <pubDate>Sat, 30 Oct 21 00:00:00 -0500</pubDate>
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            <title>Retirement Planning Overview</title>
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            <description><![CDATA[In these ever changing times, you need to be aware of your finances, especially your retirement accounts and savings. In this episode Retirement Ranger Tom Lowry talks about the important factors of planning for retirement.]]></description>

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            <pubDate>Sat, 06 Nov 21 00:00:00 -0500</pubDate>
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            <title>Shaking the Ladder</title>
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            <description><![CDATA[In this episode Retirement Ranger Tom Lowry shakes things up a bit by challenging the conventional financial wisdom when it comes to retirement planning and retirement income.]]></description>

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            <pubDate>Sat, 20 Nov 21 00:00:00 -0600</pubDate>
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            <title>Victory thru Volatility</title>
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            <link>https://radio.financiallytuned.com/tom-lowry/30103</link>
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            <description><![CDATA[When the market and the economy gets volatile, you want to have a plan in place that will lead to victory with your financial and retirement plans. In this episode Ranger Tom talks about the strategies involved in making this happen.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Tom Lowry</dc:creator>
            <pubDate>Sat, 04 Dec 21 00:00:00 -0600</pubDate>
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