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        <title>Retirement Junction</title>
        <link>http://www.CarlsonFS.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>
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            <itunes:name>Bob Carlson</itunes:name>
            <itunes:email>radio@gradientps.com</itunes:email>
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            <title>Retirement Junction</title>
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            <title>Volcano Market Volatility</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4003</link>
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            <description><![CDATA[Market volatility often feels like a rumbling volcano that could erupt at any time. It’s time to make sure your Market Volatility Emergency Plan is in place.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 22 Sep 2018 00:00:00 -0500</pubDate>
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        <item>
            <title>Beware the Bear Selfie</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4004</link>
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            <description><![CDATA[Modern life can throw a lot of distractions in our paths. We can be so caught up in chasing the moment, that we endanger our future, both physical and financial.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 29 Sep 2018 00:00:00 -0500</pubDate>
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        <item>
            <title>Finding your Financial Sherpa</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4005</link>
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            <description><![CDATA[How to find the right financial services professional to get you to the summit of retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 06 Oct 2018 00:00:00 -0500</pubDate>
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        <item>
            <title>Royal Legacy</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4002</link>
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            <description><![CDATA[The newest member of the British Royal family has arrived. He’s already begun to create his legacy. Have you?]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 13 Oct 2018 00:00:00 -0500</pubDate>
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        <item>
            <title>The 4 Step Retirement Strategy Workout</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4006</link>
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            <description><![CDATA[Pump up your retirement strategy with this 4 step workout.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 20 Oct 2018 00:00:00 -0500</pubDate>
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            <title>Protecting Your Social Security Number</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4007</link>
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            <description><![CDATA[Tips to protect and monitor your social security number in a time of data breaches and hackers.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 27 Oct 2018 00:00:00 -0500</pubDate>
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        <item>
            <title>The Golden Rules of Buying Indexed Universal LIfe Insurance</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4008</link>
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            <description><![CDATA[The Golden Rules of Indexed Universal Life Insurance and You.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 03 Nov 2018 00:00:00 -0500</pubDate>
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        <item>
            <title>Russian Retirement</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4010</link>
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            <description><![CDATA[Strategies to help avoid outliving your retirement]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 17 Nov 2018 00:00:00 -0600</pubDate>
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            <title>Recovering from a Late Start on Retirement</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4012</link>
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            <description><![CDATA[Three ways to help you recover from a slow or unorganized plan for retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 15 Dec 2018 00:00:00 -0600</pubDate>
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        <item>
            <title>How to Avoid Running Out of Money in Retirement</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4011</link>
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            <description><![CDATA[Tips and strategies to avoid running out of money in retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 22 Dec 2018 00:00:00 -0600</pubDate>
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        <item>
            <title>Three Unexpected Retirement Costs</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4013</link>
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            <description><![CDATA[Breaking down three costly issues you might not be planning for in retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 29 Dec 2018 00:00:00 -0600</pubDate>
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        <item>
            <title>Nine Common Misconceptions About Retirement Investing</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4014</link>
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            <description><![CDATA[Breaking down nine common misconceptions about retirement saving and investing.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 05 Jan 2019 00:00:00 -0600</pubDate>
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        <item>
            <title>New Alimony Tax Rules and Your Retirement Savings</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4015</link>
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            <description><![CDATA[How the Tax Cuts and Jobs Act of 2017 will impact alimony and retirement accounts through new rules.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 02 Feb 2019 00:00:00 -0600</pubDate>
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        <item>
            <title>5 Questions that can Help You Feel More Prepared for Retirement</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4016</link>
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            <description><![CDATA[Examining the 5 questions that can help you feel more prepared for retirement.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 09 Feb 2019 00:00:00 -0600</pubDate>
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            <title>4017 6 Estate-Planning Mistakes Celebrities Made</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4017</link>
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            <description><![CDATA[So many celebrities die without a will or a legacy plan in place.  We discuss how to  avoid this and other legacy planning mistakes.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 16 Feb 2019 00:00:00 -0600</pubDate>
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        <item>
            <title>3 Hurdles for Women in Retirement</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4018</link>
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            <description><![CDATA[Women face different hurdles in retirement from men. We break down three of the most common issues.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 23 Feb 2019 00:00:00 -0600</pubDate>
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        <item>
            <title>Document Security in the Face of Natural Disasters</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4019</link>
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            <description><![CDATA[After the water recedes and the fires are out. How will your document’s fair?]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 02 Mar 2019 00:00:00 -0600</pubDate>
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        <item>
            <title>The Right Time to Retire (Not at Half Time)</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4020</link>
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            <description><![CDATA[Retirement timing is different for everyone. You should have a plan so you avoid a rash and potentially costly decision. Halftime likely isn’t the right time.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 09 Mar 2019 00:00:00 -0600</pubDate>
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        <item>
            <title>Rainy Day Feeling</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4022</link>
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            <description><![CDATA[A rainy day can ruin your mood, a downturn in investments can make you want to panic. Here’s strategies to help avoid both.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 27 Apr 2019 00:00:00 -0500</pubDate>
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        <item>
            <title>Tips for Creating a Retirement Budget</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4023</link>
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            <description><![CDATA[In this episode we go over tips and suggestions to help you create a successful  retirement budget.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 11 May 2019 00:00:00 -0500</pubDate>
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        <item>
            <title>Winning the Lottery isn't a Retirement Plan</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4024</link>
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            <description><![CDATA[Winning the lottery isn’t a retirement plan. But that doesn’t mean some of your dreams are lost.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 18 May 2019 00:00:00 -0500</pubDate>
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        <item>
            <title>Avoiding Probate</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4026</link>
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            <description><![CDATA[Discussion on probate and tips and adjustments you can use.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 25 May 2019 00:00:00 -0500</pubDate>
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        <item>
            <title>The Basics of Life Insurance</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4027</link>
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            <description><![CDATA[Breaking down the often overlooked ins and outs of Life Insurance.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 01 Jun 2019 00:00:00 -0500</pubDate>
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        <item>
            <title>Gen-X and Retirement Savings</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4028</link>
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            <description><![CDATA[How prepared for retirement is Generation X?]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 08 Jun 2019 00:00:00 -0500</pubDate>
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            <title>The Seven Deadly Sins of Retirement Planning</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4029</link>
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            <description><![CDATA[Examining the Seven Deadly Sins of Planning for Retirement. Are you guilty of any of these?]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 15 Jun 2019 00:00:00 -0500</pubDate>
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            <title>Credit Card Debt and Retirees</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4030</link>
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            <description><![CDATA[What can soon to be retirees do with credit card debt before they retire?]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 13 Jul 2019 00:00:00 -0500</pubDate>
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            <title>Saving for Retirement without a 401(k)</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4031</link>
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            <description><![CDATA[401(k) plans are one of the most popular ways to save for retirement. They can be especially valuable if your employer matches a percentage of your contributions. But what about people who don’t have the option of a 401(k)? In this episode we talk about what your Retirement Savings Options are when a 401(k) isn’t an option.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 20 Jul 2019 00:00:00 -0500</pubDate>
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            <title>Don’t Hate your Retirement</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4032</link>
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            <description><![CDATA[Examining potential reasons you may hate your retirement and how to avoid them.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 27 Jul 2019 00:00:00 -0500</pubDate>
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            <title>Forced Retirement and Savings</title>
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            <link>https://radio.financiallytuned.com/retirementjunction/4033</link>
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            <description><![CDATA[Layoffs, downsizing, mergers - Prepare for Retirement that might come earlier than your plan.]]></description>

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            <pubDate>Sat, 03 Aug 2019 00:00:00 -0500</pubDate>
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            <title>Investment Options for Retirement Planning</title>
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            <link>https://radio.financiallytuned.com/retirementjunction/4034</link>
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            <description><![CDATA[Examining the different types of investment options for retirement planning.]]></description>

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            <pubDate>Sat, 10 Aug 2019 00:00:00 -0500</pubDate>
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            <title>All About Annuities</title>
            <itunes:author>Bob Carlson</itunes:author>
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            <description><![CDATA[Annuities can be confusing and have many different options. So today we are going to talk about what they are and simplifying the concept of an annuity.]]></description>

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            <pubDate>Sat, 17 Aug 2019 00:00:00 -0500</pubDate>
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            <title>Life is like a Triathlon</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4037</link>
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            <description><![CDATA[Comparing the stages of life to the three legs of the triathlon.]]></description>

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            <pubDate>Sat, 30 Nov 2019 00:00:00 -0600</pubDate>
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            <title>10 Ways to Maximize Your Retirement Investments</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4040</link>
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            <description><![CDATA[Are your retirement investments set up to give you the highest possible return? Are you invested in the appropriate assets for your financial journey? This episode discusses some potential ways for you to improve your returns and financial future.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 07 Dec 2019 00:00:00 -0600</pubDate>
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            <title>Tips and Strategies for Cutting Credit Card Debt</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4041</link>
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            <description><![CDATA[Most Americans have credit cards and many of them are carrying debt on those cards. We will discuss some of the tips and tricks you can use to cut out or even eliminate your credit card debt to help improve your financial situation.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 14 Dec 2019 00:00:00 -0600</pubDate>
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            <title>Phased Retirement Realities</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4042</link>
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            <description><![CDATA[Many workers are considering a phased retirement option. But how realistic is that possibility?]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 28 Dec 2019 00:00:00 -0600</pubDate>
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            <title>Productive Ways to Use Your Tax Refund</title>
            <itunes:author>Bob Carlson</itunes:author>
            <link>https://radio.financiallytuned.com/retirementjunction/4043</link>
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            <description><![CDATA[Are you getting a tax refund this year? Here are a few industrious ways to use your refund to improve your financial future.]]></description>

            <dc:creator xmlns:dc="http://purl.org/dc/elements/1.1/">Bob Carlson</dc:creator>
            <pubDate>Sat, 04 Jan 2020 00:00:00 -0600</pubDate>
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