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<channel>
    <title><![CDATA[Smart Money]]></title>
    <link>https://knrwealth.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>
    <image>
        <url>https://financially-tuned.s3.us-east-2.amazonaws.com/public/smartmoney.jpg</url>
        <title><![CDATA[Smart Money]]></title>
        <link>https://knrwealth.com/</link>
    </image>
    <language>en-us</language>
    
    
    <lastBuildDate>Wed, 28 May 2025 20:58:33 +0000</lastBuildDate>

    
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            <itunes:author>Kevin Richards</itunes:author>
        
    <itunes:image href="https://s3-us-west-2.amazonaws.com/financiallytunedradio/logos/smartmoney.jpg"/>
    
    
    <itunes:explicit>no</itunes:explicit>

    
    <dc:creator><![CDATA[Kevin Neal Richards]]></dc:creator>
    
            <copyright>2018 KNR Consulting Group, Inc</copyright><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords><itunes:summary>Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. Smart Money is dedicated to the small things that make a significant difference.</itunes:summary><itunes:subtitle>When a part of your financial strategy is out of place, your long-term goals, your retirement savings, your legacy all suffer.</itunes:subtitle><itunes:category text="Business"><itunes:category text="Investing"/></itunes:category><itunes:owner><itunes:email>radio@gradientps.com</itunes:email><itunes:name>Kevin Richards</itunes:name></itunes:owner><item>
            <title><![CDATA[Selling Your Life Insurance Death Benefit]]></title>
                        <description>
                                    <![CDATA[In this show we discuss the option to sell your life insurance death benefit. The pros and the cons.]]>
                            </description>
            <pubDate>Sat, 13 Aug 2022 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-4933</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220813-91064-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[In this show we discuss the option to sell your life insurance death benefit. The pros and the cons.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 13 Aug 2022 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[In this show we discuss the option to sell your life insurance death benefit. The pros and the cons.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>In this show we discuss the option to sell your life insurance death benefit. The pros and the cons.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Trusts, Wills and Legacy Planning]]></title>
                        <description>
                                    <![CDATA[Legacy planning is important and on this episode we go over Trusts, Wills, and other estate planning documents and why they are important to have.]]>
                            </description>
            <pubDate>Sat, 02 Jul 2022 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-4814</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220702-91063-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Legacy planning is important and on this episode we go over Trusts, Wills, and other estate planning documents and why they are important to have.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 02 Jul 2022 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Legacy planning is important and on this episode we go over Trusts, Wills, and other estate planning documents and why they are important to have.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Legacy planning is important and on this episode we go over Trusts, Wills, and other estate planning documents and why they are important to have.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Dealing with a Bear Market]]></title>
                        <description>
                                    <![CDATA[During today’s episode we discuss the market volatility and what you can do to help deal with it.]]>
                            </description>
            <pubDate>Sat, 25 Jun 2022 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-4788</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220625-91062-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[During today’s episode we discuss the market volatility and what you can do to help deal with it.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 25 Jun 2022 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[During today’s episode we discuss the market volatility and what you can do to help deal with it.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>During today’s episode we discuss the market volatility and what you can do to help deal with it.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Interest Rates, Mortgage Rates and The Housing Market]]></title>
                        <description>
                                    <![CDATA[Today we talk about how the current economy is affecting Mortgage rates and how it may be affecting your finances.]]>
                            </description>
            <pubDate>Sat, 04 Jun 2022 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-4732</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220604-91061-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Today we talk about how the current economy is affecting Mortgage rates and how it may be affecting your finances.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 04 Jun 2022 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Today we talk about how the current economy is affecting Mortgage rates and how it may be affecting your finances.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Today we talk about how the current economy is affecting Mortgage rates and how it may be affecting your finances.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Special Guest Host Eric Dileo]]></title>
                        <description>
                                    <![CDATA[How a financial service professional can help you manage your money in an efficient and effective manner]]>
                            </description>
            <pubDate>Sat, 28 May 2022 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-4712</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220528-91060-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[How a financial service professional can help you manage your money in an efficient and effective manner]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 28 May 2022 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[How a financial service professional can help you manage your money in an efficient and effective manner]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>How a financial service professional can help you manage your money in an efficient and effective manner</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Rising Interest Rates and How They Affect You]]></title>
                        <description>
                                    <![CDATA[Kevin breaks down what the Fed rate hike means for you and your finances.]]>
                            </description>
            <pubDate>Sat, 14 May 2022 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-4666</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220521-91059-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Kevin breaks down what the Fed rate hike means for you and your finances.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 14 May 2022 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Kevin breaks down what the Fed rate hike means for you and your finances.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Kevin breaks down what the Fed rate hike means for you and your finances.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Strategies to put more money in your pocket!]]></title>
                        <description>
                                    <![CDATA[We talk about tips for keeping more of you money and growing it as well.]]>
                            </description>
            <pubDate>Sat, 07 May 2022 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-4639</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220507-91058-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[We talk about tips for keeping more of you money and growing it as well.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 07 May 2022 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[We talk about tips for keeping more of you money and growing it as well.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>We talk about tips for keeping more of you money and growing it as well.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Market Volatility &amp; Inflation]]></title>
                        <description>
                                    <![CDATA[Rising inflation and market volatility isn&#039;t a good combination for your finances and retirement funds, but there are strategies to help weather the storm. In this episode we talk about tips and strategies to help you deal with both.]]>
                            </description>
            <pubDate>Sat, 30 Apr 2022 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-4617</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220430-91057-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Rising inflation and market volatility isn&#039;t a good combination for your finances and retirement funds, but there are strategies to help weather the storm. In this episode we talk about tips and strategies to help you deal with both.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 30 Apr 2022 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Rising inflation and market volatility isn&#039;t a good combination for your finances and retirement funds, but there are strategies to help weather the storm. In this episode we talk about tips and strategies to help you deal with both.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Rising inflation and market volatility isn&amp;#039;t a good combination for your finances and retirement funds, but there are strategies to help weather the storm. In this episode we talk about tips and strategies to help you deal with both.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Making the Right Financial Decisions]]></title>
                        <description>
                                    <![CDATA[Kevin welcomes special guest Enpo Tu, the COO of My Financial Coach. They discuss making the right financial decisions and getting the help you need to achieve your financial goals.]]>
                            </description>
            <pubDate>Sat, 23 Apr 2022 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-4591</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220423-91056-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Kevin welcomes special guest Enpo Tu, the COO of My Financial Coach. They discuss making the right financial decisions and getting the help you need to achieve your financial goals.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 23 Apr 2022 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Kevin welcomes special guest Enpo Tu, the COO of My Financial Coach. They discuss making the right financial decisions and getting the help you need to achieve your financial goals.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Kevin welcomes special guest Enpo Tu, the COO of My Financial Coach. They discuss making the right financial decisions and getting the help you need to achieve your financial goals.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Taxes and The Power of When]]></title>
                        <description>
                                    <![CDATA[Is there a way to time your taxes to save money and pay less? In this episode we explore the power of &quot;when&quot; regarding taxes.]]>
                            </description>
            <pubDate>Sat, 14 Aug 2021 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-3792</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210814-91055-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Is there a way to time your taxes to save money and pay less? In this episode we explore the power of &quot;when&quot; regarding taxes.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 14 Aug 2021 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Is there a way to time your taxes to save money and pay less? In this episode we explore the power of &quot;when&quot; regarding taxes.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Is there a way to time your taxes to save money and pay less? In this episode we explore the power of &amp;quot;when&amp;quot; regarding taxes.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[What Your Financial Team Should Look Like]]></title>
                        <description>
                                    <![CDATA[Did you know you can have your own team of financial professionals? In this episode we discuss who you need on your financial team and why.]]>
                            </description>
            <pubDate>Sat, 07 Aug 2021 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-3763</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210807-91054-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Did you know you can have your own team of financial professionals? In this episode we discuss who you need on your financial team and why.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 07 Aug 2021 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Did you know you can have your own team of financial professionals? In this episode we discuss who you need on your financial team and why.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Did you know you can have your own team of financial professionals? In this episode we discuss who you need on your financial team and why.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Smart Money and a Smart Life!]]></title>
                        <description>
                                    <![CDATA[In this episode we talk about the new weekly podcast and how we will focus not only on finance to have smart money and be smart with your money, but how to have a smart life as well!]]>
                            </description>
            <pubDate>Sat, 31 Jul 2021 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-3737</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210731-91053-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[In this episode we talk about the new weekly podcast and how we will focus not only on finance to have smart money and be smart with your money, but how to have a smart life as well!]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 31 Jul 2021 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[In this episode we talk about the new weekly podcast and how we will focus not only on finance to have smart money and be smart with your money, but how to have a smart life as well!]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>In this episode we talk about the new weekly podcast and how we will focus not only on finance to have smart money and be smart with your money, but how to have a smart life as well!</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Custom Reverse Mortgages]]></title>
                        <description>
                                    <![CDATA[In this episode Kevin talks about the misconceptions and realities of Reverse Mortgages..]]>
                            </description>
            <pubDate>Sat, 07 Mar 2020 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-2077</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200307-91052-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[In this episode Kevin talks about the misconceptions and realities of Reverse Mortgages..]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 07 Mar 2020 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[In this episode Kevin talks about the misconceptions and realities of Reverse Mortgages..]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>In this episode Kevin talks about the misconceptions and realities of Reverse Mortgages..</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[An Interview with the Mayor of Laguna Niguel]]></title>
                        <description>
                                    <![CDATA[An Interview with the Mayor of Laguna Niguel]]>
                            </description>
            <pubDate>Sat, 15 Feb 2020 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-2023</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200215-91051-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[An Interview with the Mayor of Laguna Niguel]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 15 Feb 2020 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[An Interview with the Mayor of Laguna Niguel]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>An Interview with the Mayor of Laguna Niguel</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[How to get income without paying taxes]]></title>
                        <description>
                                    <![CDATA[Everyone worries about taxes but you don&#039;t want to pay too much in taxes. In this show we discuss some ways you can use tax advantaged strategies to maximize the amount of money you can receive while paying the least in taxes.]]>
                            </description>
            <pubDate>Sat, 08 Feb 2020 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-2006</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200208-91050-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Everyone worries about taxes but you don&#039;t want to pay too much in taxes. In this show we discuss some ways you can use tax advantaged strategies to maximize the amount of money you can receive while paying the least in taxes.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 08 Feb 2020 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Everyone worries about taxes but you don&#039;t want to pay too much in taxes. In this show we discuss some ways you can use tax advantaged strategies to maximize the amount of money you can receive while paying the least in taxes.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Everyone worries about taxes but you don&amp;#039;t want to pay too much in taxes. In this show we discuss some ways you can use tax advantaged strategies to maximize the amount of money you can receive while paying the least in taxes.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Your Taxes and Your Money - What You Need to Know]]></title>
                        <description>
                                    <![CDATA[Tax season can be a stressful thing for some people. In this show Kevin brings in an expert and they talk about what you need to know to possibly limit that tax burden and hang on to more of your hard earned money.]]>
                            </description>
            <pubDate>Sat, 11 Jan 2020 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1927</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200111-91049-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Tax season can be a stressful thing for some people. In this show Kevin brings in an expert and they talk about what you need to know to possibly limit that tax burden and hang on to more of your hard earned money.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 11 Jan 2020 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Tax season can be a stressful thing for some people. In this show Kevin brings in an expert and they talk about what you need to know to possibly limit that tax burden and hang on to more of your hard earned money.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Tax season can be a stressful thing for some people. In this show Kevin brings in an expert and they talk about what you need to know to possibly limit that tax burden and hang on to more of your hard earned money.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Custom Business Planning]]></title>
                        <description>
                                    <![CDATA[Kevin welcomes special guest, business attorney Jenny Tran from Brown and Streza to talk about setting up a business, selling a business and creating a succession plan for your business.]]>
                            </description>
            <pubDate>Sat, 21 Dec 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1894</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191221-91048-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Kevin welcomes special guest, business attorney Jenny Tran from Brown and Streza to talk about setting up a business, selling a business and creating a succession plan for your business.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 21 Dec 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Kevin welcomes special guest, business attorney Jenny Tran from Brown and Streza to talk about setting up a business, selling a business and creating a succession plan for your business.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Kevin welcomes special guest, business attorney Jenny Tran from Brown and Streza to talk about setting up a business, selling a business and creating a succession plan for your business.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Strategies to Help Lower and Shorten Your Mortgage Costs]]></title>
                        <description>
                                    <![CDATA[Kevin welcomes a guest host from CMG Financial to talk about ways to help you possibly lower your true mortgage costs and shorten the length of your mortgage.]]>
                            </description>
            <pubDate>Sat, 07 Dec 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1862</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191207-91047-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Kevin welcomes a guest host from CMG Financial to talk about ways to help you possibly lower your true mortgage costs and shorten the length of your mortgage.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 07 Dec 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Kevin welcomes a guest host from CMG Financial to talk about ways to help you possibly lower your true mortgage costs and shorten the length of your mortgage.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Kevin welcomes a guest host from CMG Financial to talk about ways to help you possibly lower your true mortgage costs and shorten the length of your mortgage.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Maximize Your Social Security]]></title>
                        <description>
                                    <![CDATA[In this show, we will be talking about Social Security and ways to maximize your benefit. It is important to understand Social Security and its strategies in order to manage your Social Security benefit and maximize the entirety of your retirement income plan.]]>
                            </description>
            <pubDate>Sat, 09 Nov 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1801</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191109-91046-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[In this show, we will be talking about Social Security and ways to maximize your benefit. It is important to understand Social Security and its strategies in order to manage your Social Security benefit and maximize the entirety of your retirement income plan.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 09 Nov 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[In this show, we will be talking about Social Security and ways to maximize your benefit. It is important to understand Social Security and its strategies in order to manage your Social Security benefit and maximize the entirety of your retirement income plan.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>In this show, we will be talking about Social Security and ways to maximize your benefit. It is important to understand Social Security and its strategies in order to manage your Social Security benefit and maximize the entirety of your retirement income plan.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Your Guide To Medicare]]></title>
                        <description>
                                    <![CDATA[Do you have questions about Medicare? This episode looks at each of the different parts of Medicare and answers many Medicare questions that you will need to know.]]>
                            </description>
            <pubDate>Sat, 19 Oct 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1761</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191019-91045-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you have questions about Medicare? This episode looks at each of the different parts of Medicare and answers many Medicare questions that you will need to know.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 19 Oct 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you have questions about Medicare? This episode looks at each of the different parts of Medicare and answers many Medicare questions that you will need to know.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you have questions about Medicare? This episode looks at each of the different parts of Medicare and answers many Medicare questions that you will need to know.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Retirement for Women with Special Guest Audrey West]]></title>
                        <description>
                                    <![CDATA[Women face different hurdles in retirement from men. We break them down and talk with our special guest Audrey West.]]>
                            </description>
            <pubDate>Sat, 28 Sep 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1718</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190928-91044-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Women face different hurdles in retirement from men. We break them down and talk with our special guest Audrey West.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 28 Sep 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Women face different hurdles in retirement from men. We break them down and talk with our special guest Audrey West.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Women face different hurdles in retirement from men. We break them down and talk with our special guest Audrey West.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Protecting and Growing Your Retirement Assets]]></title>
                        <description>
                                    <![CDATA[In this episode Kevin talks about his book and about creating a retirement income that you can count on to be there when you need it.]]>
                            </description>
            <pubDate>Sat, 29 Jun 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1539</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190629-91043-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[In this episode Kevin talks about his book and about creating a retirement income that you can count on to be there when you need it.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 29 Jun 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[In this episode Kevin talks about his book and about creating a retirement income that you can count on to be there when you need it.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>In this episode Kevin talks about his book and about creating a retirement income that you can count on to be there when you need it.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Long-Term Care Options]]></title>
                        <description>
                                    <![CDATA[Long-term care costs have skyrocketed over the past few years. However, more and more of us will need some type of long-term care at some point in our lives. In this episode we explore ways you can plan to help cover the cost of long-term care. There are a number of strategies that can make it doable.]]>
                            </description>
            <pubDate>Sat, 15 Jun 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1512</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190615-91042-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Long-term care costs have skyrocketed over the past few years. However, more and more of us will need some type of long-term care at some point in our lives. In this episode we explore ways you can plan to help cover the cost of long-term care. There are a number of strategies that can make it doable.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 15 Jun 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Long-term care costs have skyrocketed over the past few years. However, more and more of us will need some type of long-term care at some point in our lives. In this episode we explore ways you can plan to help cover the cost of long-term care. There are a number of strategies that can make it doable.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Long-term care costs have skyrocketed over the past few years. However, more and more of us will need some type of long-term care at some point in our lives. In this episode we explore ways you can plan to help cover the cost of long-term care. There are a number of strategies that can make it doable.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[How To Deal with Market Downturns and Medicare]]></title>
                        <description>
                                    <![CDATA[Market volatility can destroy your nest egg and have a negative impact on your retirement income. In this episode we talk about how to protect your retirement income using tips and strategies to help maximize your savings and investments. We also talk about the importance of having a solid medicare strategy to maximize coverage and help minimize costs.]]>
                            </description>
            <pubDate>Sat, 25 May 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1461</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190525-91041-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Market volatility can destroy your nest egg and have a negative impact on your retirement income. In this episode we talk about how to protect your retirement income using tips and strategies to help maximize your savings and investments. We also talk about the importance of having a solid medicare strategy to maximize coverage and help minimize costs.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 25 May 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Market volatility can destroy your nest egg and have a negative impact on your retirement income. In this episode we talk about how to protect your retirement income using tips and strategies to help maximize your savings and investments. We also talk about the importance of having a solid medicare strategy to maximize coverage and help minimize costs.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Market volatility can destroy your nest egg and have a negative impact on your retirement income. In this episode we talk about how to protect your retirement income using tips and strategies to help maximize your savings and investments. We also talk about the importance of having a solid medicare strategy to maximize coverage and help minimize costs.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[The Retirement Planning Process with Eric Dileo]]></title>
                        <description>
                                    <![CDATA[In this episode Kevin talks with financial planner Eric Dileo about what is involved in the retirement planning process and how you can get your finances planned out for a successful retirement. Lots of great tips, advice and strategies for success in this episode!]]>
                            </description>
            <pubDate>Sat, 11 May 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1428</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190511-91040-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[In this episode Kevin talks with financial planner Eric Dileo about what is involved in the retirement planning process and how you can get your finances planned out for a successful retirement. Lots of great tips, advice and strategies for success in this episode!]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 11 May 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[In this episode Kevin talks with financial planner Eric Dileo about what is involved in the retirement planning process and how you can get your finances planned out for a successful retirement. Lots of great tips, advice and strategies for success in this episode!]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>In this episode Kevin talks with financial planner Eric Dileo about what is involved in the retirement planning process and how you can get your finances planned out for a successful retirement. Lots of great tips, advice and strategies for success in this episode!</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Creating a Retirement Plan]]></title>
                        <description>
                                    <![CDATA[Pensions are disappearing. What can you do to make sure that you have adequate monthly income in retirement? Listen to this podcast to learn more about retirement preparation]]>
                            </description>
            <pubDate>Sat, 13 Apr 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1366</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190413-3158-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Pensions are disappearing. What can you do to make sure that you have adequate monthly income in retirement? Listen to this podcast to learn more about retirement preparation]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 13 Apr 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![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]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Pensions are disappearing. What can you do to make sure that you have adequate monthly income in retirement? Listen to this podcast to learn more about retirement preparation</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Why You Need a Fiduciary and a Second Opinion on Your Finances]]></title>
                        <description>
                                    <![CDATA[In this episode you will learn the meaning and importance of the word &quot;Fiduciary&quot; and how it can help you  with your financial plans. You need a second opinion on your plans and your investments and in this show we explore the how and the why.]]>
                            </description>
            <pubDate>Sat, 23 Mar 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1321</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190323-91039-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[In this episode you will learn the meaning and importance of the word &quot;Fiduciary&quot; and how it can help you  with your financial plans. You need a second opinion on your plans and your investments and in this show we explore the how and the why.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 23 Mar 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[In this episode you will learn the meaning and importance of the word &quot;Fiduciary&quot; and how it can help you  with your financial plans. You need a second opinion on your plans and your investments and in this show we explore the how and the why.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>In this episode you will learn the meaning and importance of the word &amp;quot;Fiduciary&amp;quot; and how it can help you with your financial plans. You need a second opinion on your plans and your investments and in this show we explore the how and the why.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[The Top Concerns About Your Money, The Stock Market and Your Future]]></title>
                        <description>
                                    <![CDATA[The title says it all! In this show we talk about ways to help you manage your money, how it is affected by the market and planning for the future and your retirement income.]]>
                            </description>
            <pubDate>Sat, 16 Mar 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1300</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190316-91038-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[The title says it all! In this show we talk about ways to help you manage your money, how it is affected by the market and planning for the future and your retirement income.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 16 Mar 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[The title says it all! In this show we talk about ways to help you manage your money, how it is affected by the market and planning for the future and your retirement income.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>The title says it all! In this show we talk about ways to help you manage your money, how it is affected by the market and planning for the future and your retirement income.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Tax Reduction Strategies Your CPA May Not Know About]]></title>
                        <description>
                                    <![CDATA[Most people are looking back at the previous year when they think about their taxes....or maybe a year ahead. But what will happen to all of those retirement accounts once you retire and start drawing money from them? Kevin talks about strategies to help minimize and reduce your tax burden in retirement.]]>
                            </description>
            <pubDate>Sat, 23 Feb 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1254</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190223-91037-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Most people are looking back at the previous year when they think about their taxes....or maybe a year ahead. But what will happen to all of those retirement accounts once you retire and start drawing money from them? Kevin talks about strategies to help minimize and reduce your tax burden in retirement.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 23 Feb 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Most people are looking back at the previous year when they think about their taxes....or maybe a year ahead. But what will happen to all of those retirement accounts once you retire and start drawing money from them? Kevin talks about strategies to help minimize and reduce your tax burden in retirement.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Most people are looking back at the previous year when they think about their taxes....or maybe a year ahead. But what will happen to all of those retirement accounts once you retire and start drawing money from them? Kevin talks about strategies to help minimize and reduce your tax burden in retirement.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[A Letter of Last Instruction]]></title>
                        <description>
                                    <![CDATA[Wills, Trusts and Legacy plans are important, but did you know that one of the most important things you can do is a letter of last instruction? In today&#039;s show Kevin goes over what you need to do to create one.]]>
                            </description>
            <pubDate>Sun, 27 Jan 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1204</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190127-91036-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Wills, Trusts and Legacy plans are important, but did you know that one of the most important things you can do is a letter of last instruction? In today&#039;s show Kevin goes over what you need to do to create one.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sun, 27 Jan 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Wills, Trusts and Legacy plans are important, but did you know that one of the most important things you can do is a letter of last instruction? In today&#039;s show Kevin goes over what you need to do to create one.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Wills, Trusts and Legacy plans are important, but did you know that one of the most important things you can do is a letter of last instruction? In today&amp;#039;s show Kevin goes over what you need to do to create one.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Bracing Yourself for a Possible Reccession]]></title>
                        <description>
                                    <![CDATA[In this episode we discuss the current market volatility and what you need to do to help weather the storm.]]>
                            </description>
            <pubDate>Sun, 13 Jan 2019 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1180</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190113-91035-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[In this episode we discuss the current market volatility and what you need to do to help weather the storm.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sun, 13 Jan 2019 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[In this episode we discuss the current market volatility and what you need to do to help weather the storm.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>In this episode we discuss the current market volatility and what you need to do to help weather the storm.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Long-Term Care Planning]]></title>
                        <description>
                                    <![CDATA[More and more people are needing long-term care  and the costs keep going up. In this episode Kevin talks about this crises and strategies to help plan for it and deal with it.]]>
                            </description>
            <pubDate>Sat, 22 Dec 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1153</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181222-91033-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[More and more people are needing long-term care  and the costs keep going up. In this episode Kevin talks about this crises and strategies to help plan for it and deal with it.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 22 Dec 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[More and more people are needing long-term care  and the costs keep going up. In this episode Kevin talks about this crises and strategies to help plan for it and deal with it.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>More and more people are needing long-term care and the costs keep going up. In this episode Kevin talks about this crises and strategies to help plan for it and deal with it.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Should you Rent  or Buy? Should I downsize?]]></title>
                        <description>
                                    <![CDATA[In this episode Kevin welcomes a special guest Britney Eastwood  to talk about real estate and give helpful tips to help you know what to do.]]>
                            </description>
            <pubDate>Sat, 15 Dec 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1136</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181215-91034-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[In this episode Kevin welcomes a special guest Britney Eastwood  to talk about real estate and give helpful tips to help you know what to do.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 15 Dec 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[In this episode Kevin welcomes a special guest Britney Eastwood  to talk about real estate and give helpful tips to help you know what to do.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>In this episode Kevin welcomes a special guest Britney Eastwood to talk about real estate and give helpful tips to help you know what to do.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[End of Year Tax and Investment Planning]]></title>
                        <description>
                                    <![CDATA[It is time to look at your tax situation and investments. In this episode we talk about the importance of this and how to make the necessary adjustments.]]>
                            </description>
            <pubDate>Sat, 01 Dec 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1106</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181201-91032-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[It is time to look at your tax situation and investments. In this episode we talk about the importance of this and how to make the necessary adjustments.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 01 Dec 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[It is time to look at your tax situation and investments. In this episode we talk about the importance of this and how to make the necessary adjustments.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>It is time to look at your tax situation and investments. In this episode we talk about the importance of this and how to make the necessary adjustments.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Color of Money ]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 10 Nov 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1070</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181110-3072-2-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 10 Nov 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Celebrities Legacy Planning Mistakes]]></title>
                        <description>
                                    <![CDATA[Not getting around to legacy planning can have long-term ramifications. We are going to look at some celebrities who made legacy planning mistakes that had long-term ramifications for their heirs.]]>
                            </description>
            <pubDate>Sat, 03 Nov 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1054</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181103-3139-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Not getting around to legacy planning can have long-term ramifications. We are going to look at some celebrities who made legacy planning mistakes that had long-term ramifications for their heirs.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 03 Nov 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Not getting around to legacy planning can have long-term ramifications. We are going to look at some celebrities who made legacy planning mistakes that had long-term ramifications for their heirs.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Not getting around to legacy planning can have long-term ramifications. We are going to look at some celebrities who made legacy planning mistakes that had long-term ramifications for their heirs.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Tax-Free Income For Retirement]]></title>
                        <description>
                                    <![CDATA[Nobody likes the word tax, but when it&#039;s followed by &quot;free&quot; it&#039;s a great thing! On the show today we talk about some possible tax-free options for income in retirement.]]>
                            </description>
            <pubDate>Sat, 27 Oct 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-1043</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181027-91031-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Nobody likes the word tax, but when it&#039;s followed by &quot;free&quot; it&#039;s a great thing! On the show today we talk about some possible tax-free options for income in retirement.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 27 Oct 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Nobody likes the word tax, but when it&#039;s followed by &quot;free&quot; it&#039;s a great thing! On the show today we talk about some possible tax-free options for income in retirement.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Nobody likes the word tax, but when it&amp;#039;s followed by &amp;quot;free&amp;quot; it&amp;#039;s a great thing! On the show today we talk about some possible tax-free options for income in retirement.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[What You Need to Know the 5 Years Before You Retire]]></title>
                        <description>
                                    <![CDATA[The 5 years leading up to your retirement are very important and it is crucial that you have a plan in place to be properly prepared, including an income that will last. Kevin talks about strategies to help you prepare and goes over some mistakes to avoid those last 5 critical years before retirement.]]>
                            </description>
            <pubDate>Sat, 29 Sep 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-982</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180929-91030-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[The 5 years leading up to your retirement are very important and it is crucial that you have a plan in place to be properly prepared, including an income that will last. Kevin talks about strategies to help you prepare and goes over some mistakes to avoid those last 5 critical years before retirement.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 29 Sep 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[The 5 years leading up to your retirement are very important and it is crucial that you have a plan in place to be properly prepared, including an income that will last. Kevin talks about strategies to help you prepare and goes over some mistakes to avoid those last 5 critical years before retirement.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>The 5 years leading up to your retirement are very important and it is crucial that you have a plan in place to be properly prepared, including an income that will last. Kevin talks about strategies to help you prepare and goes over some mistakes to avoid those last 5 critical years before retirement.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Reform Through Education]]></title>
                        <description>
                                    <![CDATA[This show is about giving back to others and the rewards of that.  We focus on a great program for youth, with our guest Audrey Wright.]]>
                            </description>
            <pubDate>Sat, 15 Sep 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-946</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180915-91029-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[This show is about giving back to others and the rewards of that.  We focus on a great program for youth, with our guest Audrey Wright.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 15 Sep 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[This show is about giving back to others and the rewards of that.  We focus on a great program for youth, with our guest Audrey Wright.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>This show is about giving back to others and the rewards of that. We focus on a great program for youth, with our guest Audrey Wright.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Longterm Care and VA Benefits]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 08 Sep 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-932</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180317-91015-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 08 Sep 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[How To Make Your Retirement Fun!]]></title>
                        <description>
                                    <![CDATA[Retirement should be comfortable and fun! Not stressful and boring. Kevin talks about ways to plan for a fun and comfortable  retirement!]]>
                            </description>
            <pubDate>Sat, 01 Sep 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-923</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180901-91028-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Retirement should be comfortable and fun! Not stressful and boring. Kevin talks about ways to plan for a fun and comfortable  retirement!]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 01 Sep 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Retirement should be comfortable and fun! Not stressful and boring. Kevin talks about ways to plan for a fun and comfortable  retirement!]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Retirement should be comfortable and fun! Not stressful and boring. Kevin talks about ways to plan for a fun and comfortable retirement!</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[5 Years Before You Retire]]></title>
                        <description>
                                    <![CDATA[There is a lot to think about and get done before you retire. The last 5 years you work before you retire are critical. In this episode we talk about what  to do and what not to do in order to have a successful retirement.]]>
                            </description>
            <pubDate>Sat, 25 Aug 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-906</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180826-91027-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[There is a lot to think about and get done before you retire. The last 5 years you work before you retire are critical. In this episode we talk about what  to do and what not to do in order to have a successful retirement.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 25 Aug 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[There is a lot to think about and get done before you retire. The last 5 years you work before you retire are critical. In this episode we talk about what  to do and what not to do in order to have a successful retirement.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>There is a lot to think about and get done before you retire. The last 5 years you work before you retire are critical. In this episode we talk about what to do and what not to do in order to have a successful retirement.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Tax Tips and Social Security]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 18 Aug 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-895</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180303-91014-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 18 Aug 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Long Term Care and Birthdays]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 11 Aug 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-881</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180224-91013-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 11 Aug 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Retirement Living]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 04 Aug 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-869</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180804-3042-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 04 Aug 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Top 5 Decisions to Make In Your 60&#039;s]]></title>
                        <description>
                                    <![CDATA[Once you hit your 60&#039;s there are some very important financial decisions you need to make. Listen in to this episode to find out what they are and how to handle them.]]>
                            </description>
            <pubDate>Sat, 28 Jul 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-857</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180728-91026-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Once you hit your 60&#039;s there are some very important financial decisions you need to make. Listen in to this episode to find out what they are and how to handle them.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 28 Jul 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Once you hit your 60&#039;s there are some very important financial decisions you need to make. Listen in to this episode to find out what they are and how to handle them.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Once you hit your 60&amp;#039;s there are some very important financial decisions you need to make. Listen in to this episode to find out what they are and how to handle them.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Dealing with Market Volatility]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 21 Jul 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-843</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180210-91012-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 21 Jul 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Working with a Financial Professional.]]></title>
                        <description>
                                    <![CDATA[On this week&#039;s show Kevin talks about the how, what and why of what he does and how he can help you reach your financial goals.]]>
                            </description>
            <pubDate>Sat, 14 Jul 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-834</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180714-91025-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[On this week&#039;s show Kevin talks about the how, what and why of what he does and how he can help you reach your financial goals.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 14 Jul 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[On this week&#039;s show Kevin talks about the how, what and why of what he does and how he can help you reach your financial goals.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>On this week&amp;#039;s show Kevin talks about the how, what and why of what he does and how he can help you reach your financial goals.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Why Do I Need A Financial Advisor?]]></title>
                        <description>
                                    <![CDATA[Find out how a financial advisor can help you and what services they offer.]]>
                            </description>
            <pubDate>Sat, 07 Jul 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-816</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180707-91024-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Find out how a financial advisor can help you and what services they offer.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 07 Jul 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Find out how a financial advisor can help you and what services they offer.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Find out how a financial advisor can help you and what services they offer.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Managing Your IRA]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 30 Jun 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-805</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180701-3026-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 30 Jun 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[What to do in the event of a personal injury]]></title>
                        <description>
                                    <![CDATA[Kevin has personal injury attorney on the show as a special guest to talk about what you should do if you&#039;re injured in an accident.]]>
                            </description>
            <pubDate>Sat, 23 Jun 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-791</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180624-91023-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Kevin has personal injury attorney on the show as a special guest to talk about what you should do if you&#039;re injured in an accident.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 23 Jun 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Kevin has personal injury attorney on the show as a special guest to talk about what you should do if you&#039;re injured in an accident.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Kevin has personal injury attorney on the show as a special guest to talk about what you should do if you&amp;#039;re injured in an accident.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[The New Tax Cuts]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 16 Jun 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-780</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180127-91011-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 16 Jun 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[How To Help Your Family Pay for College]]></title>
                        <description>
                                    <![CDATA[College costs and student loan debts can be enormous for parents, students and even affect entire families.  In today&#039;s show we discuss strategies to deal with this issue and plan for it.]]>
                            </description>
            <pubDate>Sat, 09 Jun 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-766</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180610-91022-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[College costs and student loan debts can be enormous for parents, students and even affect entire families.  In today&#039;s show we discuss strategies to deal with this issue and plan for it.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 09 Jun 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[College costs and student loan debts can be enormous for parents, students and even affect entire families.  In today&#039;s show we discuss strategies to deal with this issue and plan for it.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>College costs and student loan debts can be enormous for parents, students and even affect entire families. In today&amp;#039;s show we discuss strategies to deal with this issue and plan for it.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[The 3 Kinds of Saftey Nets]]></title>
                        <description>
                                    <![CDATA[In this show we discuss ways to help protect your nest egg so you have it when you need it.]]>
                            </description>
            <pubDate>Sat, 02 Jun 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-753</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180602-91021-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[In this show we discuss ways to help protect your nest egg so you have it when you need it.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 02 Jun 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[In this show we discuss ways to help protect your nest egg so you have it when you need it.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>In this show we discuss ways to help protect your nest egg so you have it when you need it.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Working With an Advisor, What to Expect]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 26 May 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-740</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180120-3102-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 26 May 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Retirement Checklist]]></title>
                        <description>
                                    <![CDATA[You need to start preparing and saving for retirement now. In this episode Kevin Richards tells you how.]]>
                            </description>
            <pubDate>Sat, 19 May 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-726</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180519-91020-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[You need to start preparing and saving for retirement now. In this episode Kevin Richards tells you how.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 19 May 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[You need to start preparing and saving for retirement now. In this episode Kevin Richards tells you how.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>You need to start preparing and saving for retirement now. In this episode Kevin Richards tells you how.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Create A Retirement You Can Be Proud Of]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 12 May 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-709</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180512-3036-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 12 May 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Maximize Your Benefits]]></title>
                        <description>
                                    <![CDATA[Today Kevin talks about how to maximize your benefits, including Veteran benefits, Social Security, Medicare and more.]]>
                            </description>
            <pubDate>Sat, 05 May 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-695</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180505-91019-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Today Kevin talks about how to maximize your benefits, including Veteran benefits, Social Security, Medicare and more.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 05 May 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Today Kevin talks about how to maximize your benefits, including Veteran benefits, Social Security, Medicare and more.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Today Kevin talks about how to maximize your benefits, including Veteran benefits, Social Security, Medicare and more.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Top Questions Your Advisors Should Be Asking You]]></title>
                        <description>
                                    <![CDATA[You need a financial planner that you can trust. Today Kevin talks about what questions your financial advisor should be asking you and that you need to have the answers for in order to protect your savings and retirement plans.]]>
                            </description>
            <pubDate>Sat, 28 Apr 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-684</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180428-91018-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[You need a financial planner that you can trust. Today Kevin talks about what questions your financial advisor should be asking you and that you need to have the answers for in order to protect your savings and retirement plans.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 28 Apr 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[You need a financial planner that you can trust. Today Kevin talks about what questions your financial advisor should be asking you and that you need to have the answers for in order to protect your savings and retirement plans.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>You need a financial planner that you can trust. Today Kevin talks about what questions your financial advisor should be asking you and that you need to have the answers for in order to protect your savings and retirement plans.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[How Much Are Your Investments Costing You?]]></title>
                        <description>
                                    <![CDATA[You may be paying unnecessary or hidden fees in your investment and retirement accounts. Listen in as we discuss ways to deal with this.]]>
                            </description>
            <pubDate>Sat, 21 Apr 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-669</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180421-91017-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[You may be paying unnecessary or hidden fees in your investment and retirement accounts. Listen in as we discuss ways to deal with this.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 21 Apr 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[You may be paying unnecessary or hidden fees in your investment and retirement accounts. Listen in as we discuss ways to deal with this.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>You may be paying unnecessary or hidden fees in your investment and retirement accounts. Listen in as we discuss ways to deal with this.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Are You Retirement Ready?]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 14 Apr 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-656</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180113-3057-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 14 Apr 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Prepare for Your Greatest Game]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 07 Apr 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-644</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180407-3114-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 07 Apr 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Top Concerns of Retirement]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 31 Mar 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-625</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180324-91016-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 31 Mar 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Maximize Your Social Security Benefit]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 31 Mar 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-628</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180331-3059-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 31 Mar 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Top Concerns of Retirement]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 24 Mar 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-616</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180324-91016-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 24 Mar 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Longterm Care and VA Benefits]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 17 Mar 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-608</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180317-91015-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 17 Mar 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[401(k) Basics]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 10 Mar 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-593</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180310-3043-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 10 Mar 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Tax Tips and Social Security]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 03 Mar 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-577</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180303-91014-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 03 Mar 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Long Term Care and Birthdays]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 24 Feb 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-569</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180224-91013-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 24 Feb 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Is Your Retirement Prepared for a Bear Market?]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 17 Feb 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-555</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180217-3110-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 17 Feb 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Dealing with Market Volatility]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 10 Feb 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-543</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180210-91012-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 10 Feb 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Understanding Different Types of Annuities]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 03 Feb 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-533</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180203-3020-2-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 03 Feb 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[The New Tax Cuts]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 27 Jan 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-525</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180127-91011-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 27 Jan 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Working With an Advisor, What to Expect]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 20 Jan 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-515</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180120-3102-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 20 Jan 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Are You Retirement Ready?]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 13 Jan 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-507</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180113-3057-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 13 Jan 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Medi-Cal and Medicare]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 06 Jan 2018 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-496</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/171014-91006-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 06 Jan 2018 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Long Term Care For Your Aging Parents]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 30 Dec 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-489</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/171230-91010-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 30 Dec 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Long Term Care for Veterans]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 23 Dec 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-487</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170819-91005-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 23 Dec 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Year-End Retirement Planning]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 16 Dec 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-476</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/171216-3060-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 16 Dec 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Social Security and Investment Strategies]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 09 Dec 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-472</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170715-91004-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 09 Dec 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[4 Crucial Concerns About Your Financial Future]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 02 Dec 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-463</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/171202-91009-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 02 Dec 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Medicare Strategies]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 25 Nov 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-457</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/171021-91007-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 25 Nov 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[The Costs of Financial Procrastination]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 18 Nov 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-447</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/171118-3108-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 18 Nov 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Tax Preparation with Tim]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 11 Nov 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-444</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/171112-91008-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 11 Nov 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Medi-Cal and Medicare]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 04 Nov 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-434</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/171014-91006-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 04 Nov 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Don’t Let Tuition Top Your Retirement]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 28 Oct 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-424</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/171028-3079-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 28 Oct 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Medicare Strategies]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 21 Oct 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-420</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/171021-91007-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 21 Oct 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Medi-Cal and Medicare]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 14 Oct 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-413</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/171014-91006-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 14 Oct 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[What an IRA Can Do for Your Retirement]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 07 Oct 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-405</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/171007-3107-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 07 Oct 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Caring for Aging Parents In Retirement]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 30 Sep 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-398</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170722-3091-2-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 30 Sep 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Social Security and Investment Strategies]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 23 Sep 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-389</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170715-91004-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 23 Sep 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[The Benefits of Life Insurance]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 16 Sep 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-385</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170916-3106-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 16 Sep 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Empowering Women in Retirement]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 09 Sep 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-378</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170513-3009-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 09 Sep 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Retirement Rumors to Ignore]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 02 Sep 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-371</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170902-3103-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 02 Sep 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Long Term Care for Veterans]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 26 Aug 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-362</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170819-91005-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 26 Aug 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Legacy Planning Basics]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 19 Aug 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-357</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170429-3037-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 19 Aug 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Avoiding Social Security Confusion]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 12 Aug 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-349</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170812-3010-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 12 Aug 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Retirement Prep Work]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 05 Aug 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-340</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170805-3011-2-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 05 Aug 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Your Financial Pyramid]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 29 Jul 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-336</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170729-3077-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 29 Jul 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Caring for Aging Parents In Retirement]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 22 Jul 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-329</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170722-3091-2-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 22 Jul 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Social Security and Investment Strategies]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 15 Jul 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-321</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170715-91004-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 15 Jul 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Long Term Care and Veterans Benefits]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 08 Jul 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-317</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170708-91003-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 08 Jul 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[8 Must-Know Social Security Rules]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 01 Jul 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-310</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170701-3100-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 01 Jul 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[What’s Your Favorite Color?]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 24 Jun 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-304</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170304-3008-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 24 Jun 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[How Social Security Impacts Your Retirement]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 17 Jun 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-300</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170219-3035-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 17 Jun 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[5 Ways You Can Help Protect Your Retirement Income]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 10 Jun 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-294</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170610-3093-Richards-KLAA.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 10 Jun 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Retirement Tax Planning: Roth IRA]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 03 Jun 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-286</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170415-3033-Richards-25min.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 03 Jun 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[IRA and Legacy Planning]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 27 May 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-280</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170128-3044-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 27 May 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Will Social Security Be Enough?]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 20 May 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-275</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170520-3018-2-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 20 May 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Empowering Women in Retirement]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 13 May 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-268</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170513-3009-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 13 May 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Creating Income for Life]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 06 May 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-264</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170506-3017-2-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 06 May 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Legacy Planning Basics]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 29 Apr 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-259</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170429-3037-Richards-KBRT.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 29 Apr 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Will Social Security Be Enough?]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 22 Apr 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-255</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170121-3018-Richards-25min.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 22 Apr 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Retirement Tax Planning: Roth IRA]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 15 Apr 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-248</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170415-3033-Richards-25min.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 15 Apr 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Balancing Your Portfolio]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 08 Apr 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-242</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170408-3080-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 08 Apr 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Dealing with an Unstable Market]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 01 Apr 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-236</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170401-3054-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 01 Apr 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Social Security: What You Should Know]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 25 Mar 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-232</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170325-3023-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 25 Mar 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Getting to Know Kevin Richards]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 18 Mar 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-228</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170318-91002-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 18 Mar 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[The Future of U.S. Taxation]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 11 Mar 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-224</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170311-3061-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 11 Mar 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[What’s Your Favorite Color?]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 04 Mar 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-220</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170304-3008-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 04 Mar 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Creating Income for Life]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 25 Feb 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-215</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170226-3017-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 25 Feb 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[How Social Security Impacts Your Retirement]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 18 Feb 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-211</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170219-3035-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 18 Feb 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Caring for Aging Parents In Retirement]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 11 Feb 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-206</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170211-3091-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 11 Feb 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Taxes and Your Retirement]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Sat, 04 Feb 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-202</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170204-3067-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Sat, 04 Feb 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[IRA and Legacy Planning]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Fri, 27 Jan 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-198</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170128-3044-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Fri, 27 Jan 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Will Social Security Be Enough?]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Fri, 20 Jan 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-191</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170121-3018-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Fri, 20 Jan 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Goals For The New Year]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Fri, 13 Jan 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-187</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/170114-91001-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Fri, 13 Jan 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Tips to Help Build a Solid Retirement Plan]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Fri, 06 Jan 2017 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-183</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/161224-3007-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Fri, 06 Jan 2017 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Choosing a Financial Professional]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Fri, 30 Dec 2016 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-180</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/161217-3003-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Fri, 30 Dec 2016 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Tips to Help Build a Solid Retirement Plan]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Fri, 23 Dec 2016 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-177</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/161224-3007-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Fri, 23 Dec 2016 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
            <item>
            <title><![CDATA[Choosing a Financial Professional]]></title>
                        <description>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </description>
            <pubDate>Fri, 16 Dec 2016 00:00:00 +0000</pubDate>
            <guid isPermaLink="false">episode-173</guid>
            
            
            
            <enclosure type="audio/mpeg" url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/161217-3003-Richards.mp3"/>
                        
            
            <itunes:author><![CDATA[Kevin Neal Richards]]></itunes:author>
            
            <itunes:summary>
                                    <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                            </itunes:summary>
            <itunes:explicit>no</itunes:explicit>
            
            
            
            

            
                            <podcast:person group="hosts" role="host">Kevin Neal Richards</podcast:person>
                        
            
            <spotify:episodeType>full</spotify:episodeType>

            
            <dc:date>Fri, 16 Dec 2016 00:00:00 +0000</dc:date>

            
                            <content:encoded><![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]></content:encoded>
                    <author>radio@gradientps.com (Kevin Richards)</author><itunes:subtitle>Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&amp;#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.</itunes:subtitle><itunes:keywords>social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services</itunes:keywords></item>
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