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    <channel>
        <title>
            <![CDATA[LaTour Retirement Talk]]>
        </title>
        <link>http://www.latouradvisorygroup.com</link>
        <description>
            <![CDATA[Listen on Sundays at 10am on 104.1 KSGF]]>
        </description>
        <image>
            <url>https://financially-tuned.s3.us-east-2.amazonaws.com/public/Latour_RetirementTalk2.jpg</url>
            <title>
                <![CDATA[LaTour Retirement Talk]]>
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            <link>http://www.latouradvisorygroup.com</link>
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                    <itunes:author>
                <![CDATA[Joshua Latour and James Margraf]]>
            </itunes:author>
                <itunes:owner>
            <itunes:name>
                <![CDATA[Joshua Latour and James Margraf]]>
            </itunes:name>
            <itunes:email>radio@lusonmedia.com</itunes:email>
        </itunes:owner>
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        <dc:creator>
            <![CDATA[Joshua Latour and James Margraf]]>
        </dc:creator>

                    <item>
                <title>
                    <![CDATA[Your Retirement Calendar]]>
                </title>
                                <description>
                                            <![CDATA[Your retirement isn&#039;t just a single date—it&#039;s a timeline filled with critical age milestones, from early distribution rules at 59.5 to required minimum distributions (RMDs) later in life. This episode breaks down the essential dates you need to circle on your calendar to maximize your tax strategies and avoid costly IRS penalties. Tune in to learn how to time your transition from saving money to smoothly spending it.]]>
                                    </description>
                <pubDate>Sun, 31 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10508</guid>

                
                
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                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Your retirement isn&#039;t just a single date—it&#039;s a timeline filled with critical age milestones, from early distribution rules at 59.5 to required minimum distributions (RMDs) later in life. This episode breaks down the essential dates you need to circle on your calendar to maximize your tax strategies and avoid costly IRS penalties. Tune in to learn how to time your transition from saving money to smoothly spending it.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 31 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Your retirement isn&#039;t just a single date—it&#039;s a timeline filled with critical age milestones, from early distribution rules at 59.5 to required minimum distributions (RMDs) later in life. This episode breaks down the essential dates you need to circle on your calendar to maximize your tax strategies and avoid costly IRS penalties. Tune in to learn how to time your transition from saving money to smoothly spending it.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What You Should Know About IRA 401K Withdrawals]]>
                </title>
                                <description>
                                            <![CDATA[Navigating the complexities of retirement accounts doesn&#039;t have to be daunting, especially when it comes to accessing your hard-earned savings. This episode breaks down the critical differences between IRA and 401(k) withdrawal rules, including the specifics of the 59½ age threshold and potential early distribution penalties. Tune in to learn strategic timing and tax implications that will help you keep more of your money while avoiding costly IRS surprises.]]>
                                    </description>
                <pubDate>Sun, 17 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10425</guid>

                
                
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                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Navigating the complexities of retirement accounts doesn&#039;t have to be daunting, especially when it comes to accessing your hard-earned savings. This episode breaks down the critical differences between IRA and 401(k) withdrawal rules, including the specifics of the 59½ age threshold and potential early distribution penalties. Tune in to learn strategic timing and tax implications that will help you keep more of your money while avoiding costly IRS surprises.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 17 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Navigating the complexities of retirement accounts doesn&#039;t have to be daunting, especially when it comes to accessing your hard-earned savings. This episode breaks down the critical differences between IRA and 401(k) withdrawal rules, including the specifics of the 59½ age threshold and potential early distribution penalties. Tune in to learn strategic timing and tax implications that will help you keep more of your money while avoiding costly IRS surprises.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Setting Up Your Kids and Grandkids for Retirement Success]]>
                </title>
                                <description>
                                            <![CDATA[This episode explores ways parents and grandparents can help set future generations up for long-term financial success. The discussion covers the importance of early saving habits, retirement planning strategies, and practical tools that can help younger family members build a strong financial foundation. Listeners will gain insights into creating lasting financial habits and preparing loved ones for a more secure retirement future.]]>
                                    </description>
                <pubDate>Sun, 10 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10291</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/Ddp9rjzufOWtJqpLQHI1AFDrUD3CxAhFvMhQa0qu.mp3"  length="38961140"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode explores ways parents and grandparents can help set future generations up for long-term financial success. The discussion covers the importance of early saving habits, retirement planning strategies, and practical tools that can help younger family members build a strong financial foundation. Listeners will gain insights into creating lasting financial habits and preparing loved ones for a more secure retirement future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 10 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode explores ways parents and grandparents can help set future generations up for long-term financial success. The discussion covers the importance of early saving habits, retirement planning strategies, and practical tools that can help younger family members build a strong financial foundation. Listeners will gain insights into creating lasting financial habits and preparing loved ones for a more secure retirement future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Pillars of a Comprehensive Retirement Plan]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we break down the critical shift from wealth accumulation to sustainable distribution, ensuring your nest egg lasts as long as you do. Our experts dive into the &quot;tax-efficient bucket&quot; strategy to help you minimize the IRS&#039;s share of your withdrawals while maintaining a consistent lifestyle. Finally, we explore how to stress-test your portfolio against inflation and healthcare costs to build a truly resilient retirement foundation.]]>
                                    </description>
                <pubDate>Sun, 03 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10013</guid>

                
                
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                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we break down the critical shift from wealth accumulation to sustainable distribution, ensuring your nest egg lasts as long as you do. Our experts dive into the &quot;tax-efficient bucket&quot; strategy to help you minimize the IRS&#039;s share of your withdrawals while maintaining a consistent lifestyle. Finally, we explore how to stress-test your portfolio against inflation and healthcare costs to build a truly resilient retirement foundation.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 03 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we break down the critical shift from wealth accumulation to sustainable distribution, ensuring your nest egg lasts as long as you do. Our experts dive into the &quot;tax-efficient bucket&quot; strategy to help you minimize the IRS&#039;s share of your withdrawals while maintaining a consistent lifestyle. Finally, we explore how to stress-test your portfolio against inflation and healthcare costs to build a truly resilient retirement foundation.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Update with GI Portfolio Manager Tyler Ellegard]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, portfolio manager Tyler Ellegard joins the show to provide a deep dive into the current market landscape and the strategic shifts driving recent performance. We explore the latest insights, breaking down how macroeconomic trends are directly influencing their long-term investment conviction. Whether you are a seasoned investor or just starting out, this conversation offers a transparent look at the professional decision-making process behind a diversified portfolio.]]>
                                    </description>
                <pubDate>Sun, 26 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10219</guid>

                
                
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                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, portfolio manager Tyler Ellegard joins the show to provide a deep dive into the current market landscape and the strategic shifts driving recent performance. We explore the latest insights, breaking down how macroeconomic trends are directly influencing their long-term investment conviction. Whether you are a seasoned investor or just starting out, this conversation offers a transparent look at the professional decision-making process behind a diversified portfolio.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 26 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, portfolio manager Tyler Ellegard joins the show to provide a deep dive into the current market landscape and the strategic shifts driving recent performance. We explore the latest insights, breaking down how macroeconomic trends are directly influencing their long-term investment conviction. Whether you are a seasoned investor or just starting out, this conversation offers a transparent look at the professional decision-making process behind a diversified portfolio.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Power of Spousal Benefits]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll consider how properly utilizing Social Security’s spousal benefit may make your benefit even more powerful.]]>
                                    </description>
                <pubDate>Sun, 19 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10182</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/vkV4dMuVkM2dffEj23KKlTkM2aBLLyNzaIA4qJaP.mp3"  length="38958198"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll consider how properly utilizing Social Security’s spousal benefit may make your benefit even more powerful.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 19 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll consider how properly utilizing Social Security’s spousal benefit may make your benefit even more powerful.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Follow Your Social Security Signs]]>
                </title>
                                <description>
                                            <![CDATA[During this show, our discussion will focus on how to know when to file for Social Security and three ways you might be able to max out your benefit during the current year.]]>
                                    </description>
                <pubDate>Sun, 05 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10130</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ajA1dEpJLpnJdaq4LGNdJurPpSplmGdpi0bJFO2g.mp3"  length="38955748"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, our discussion will focus on how to know when to file for Social Security and three ways you might be able to max out your benefit during the current year.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 05 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, our discussion will focus on how to know when to file for Social Security and three ways you might be able to max out your benefit during the current year.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Taxes and Money Moves]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll look at the new senior tax deduction and potential money moves those who are close to retirement can make this year.]]>
                                    </description>
                <pubDate>Sun, 29 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10054</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/oAeQ6Bg4m13ZykV8fgdpNPwn6CxAGN6TaGbDBT8H.mp3"  length="38954278"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll look at the new senior tax deduction and potential money moves those who are close to retirement can make this year.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 29 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll look at the new senior tax deduction and potential money moves those who are close to retirement can make this year.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[13 Habits for a Successful Retirement]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’re going to discuss 13 habits you can adopt that may better position you for the retirement you truly want.]]>
                                    </description>
                <pubDate>Sun, 15 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9979</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/8tRSu0giZ1sJ8PvCQdhYJ9vnz2r8KtrSE8NXJF2N.mp3"  length="38952808"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’re going to discuss 13 habits you can adopt that may better position you for the retirement you truly want.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 15 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’re going to discuss 13 habits you can adopt that may better position you for the retirement you truly want.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[When Not To Play It Safe]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to discuss why playing it safe isn’t always the right move, even during retirement.]]>
                                    </description>
                <pubDate>Sun, 08 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9654</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ouprYw2vOEsEFCOxDOWImFluiPe6A4mxOMpySKFr.mp3"  length="38946438"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to discuss why playing it safe isn’t always the right move, even during retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 08 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to discuss why playing it safe isn’t always the right move, even during retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Tax Strategies to Save You Money]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we break down the most overlooked tax credits and deductions that could significantly lower your annual tax bill. We sit down with expert CPAs to discuss how shifting your income and timing your expenses can lead to immediate savings for both individuals and small business owners. Tune in to learn actionable strategies you can implement today to keep more of your hard-earned money out of the IRS&#039;s hands.]]>
                                    </description>
                <pubDate>Sun, 01 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9899</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/iwDNGf2y26UNKxDcbIKFqr8DAJTkZy7bjwoyef5p.mp3"  length="38951340"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we break down the most overlooked tax credits and deductions that could significantly lower your annual tax bill. We sit down with expert CPAs to discuss how shifting your income and timing your expenses can lead to immediate savings for both individuals and small business owners. Tune in to learn actionable strategies you can implement today to keep more of your hard-earned money out of the IRS&#039;s hands.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 01 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we break down the most overlooked tax credits and deductions that could significantly lower your annual tax bill. We sit down with expert CPAs to discuss how shifting your income and timing your expenses can lead to immediate savings for both individuals and small business owners. Tune in to learn actionable strategies you can implement today to keep more of your hard-earned money out of the IRS&#039;s hands.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement: When Should You Wait?]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we’ll discuss the reasons some people are delaying retirement as well as the pros and cons of working a little longer.]]>
                                    </description>
                <pubDate>Sun, 15 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9787</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/gnNNtanPLb9dWDajs84VtGHds23tE6wqO9nB6bt5.mp3"  length="38949868"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we’ll discuss the reasons some people are delaying retirement as well as the pros and cons of working a little longer.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 15 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we’ll discuss the reasons some people are delaying retirement as well as the pros and cons of working a little longer.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Five Pillars for Retirement]]>
                </title>
                                <description>
                                            <![CDATA[During today’s show, examine and discuss five planning pillars that may help you on your path to retirement.]]>
                                    </description>
                <pubDate>Sun, 08 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9741</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/4jpumt7MOZXUqu3TSZefoE2iFTbYWP93QlRDhXBq.mp3"  length="38947418"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During today’s show, examine and discuss five planning pillars that may help you on your path to retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 08 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During today’s show, examine and discuss five planning pillars that may help you on your path to retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retiring Early? Here’s What You Need To Know.]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll examine some of the things you need to know about retiring early.]]>
                                    </description>
                <pubDate>Sun, 01 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9690</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/zcfJoqoGTcCalB1594ducKAC2kHRJTSlXFADYaTu.mp3"  length="38947418"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll examine some of the things you need to know about retiring early.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 01 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll examine some of the things you need to know about retiring early.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Tax Strategies to Save You Money]]>
                </title>
                                <description>
                                            <![CDATA[This episode breaks down the massive financial shifts following the passage of the &quot;One Big Beautiful Bill Act,&quot; detailing how permanent tax bracket updates and record-high standard deductions will affect your bottom line. Tune in for essential year-end strategies.]]>
                                    </description>
                <pubDate>Sun, 28 Dec 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9554</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/xbjz13y4eM1KMLHrWySYjisxs9aa1Ri3iNLBBJ1I.mp3"  length="38944480"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode breaks down the massive financial shifts following the passage of the &quot;One Big Beautiful Bill Act,&quot; detailing how permanent tax bracket updates and record-high standard deductions will affect your bottom line. Tune in for essential year-end strategies.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 28 Dec 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode breaks down the massive financial shifts following the passage of the &quot;One Big Beautiful Bill Act,&quot; detailing how permanent tax bracket updates and record-high standard deductions will affect your bottom line. Tune in for essential year-end strategies.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Withdrawal Strategies to Help Make Your Money Last]]>
                </title>
                                <description>
                                            <![CDATA[Choosing the right withdrawal strategy is the most critical decision for making your retirement savings last a lifetime. We move beyond the rigid 4% Rule to explore dynamic, flexible methods that adjust your spending based on real-time market performance. Learn how to strategically draw down your portfolio across different accounts to minimize your lifetime tax bill and maximize your spending power. This episode provides the practical tactics you need to protect your nest egg from market volatility and avoid running out of money.]]>
                                    </description>
                <pubDate>Sun, 21 Dec 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9251</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/Gl2EKW26XudfDxAgqMuZsmrAAyuv4wnMI811sOUm.mp3"  length="38934367"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Choosing the right withdrawal strategy is the most critical decision for making your retirement savings last a lifetime. We move beyond the rigid 4% Rule to explore dynamic, flexible methods that adjust your spending based on real-time market performance. Learn how to strategically draw down your portfolio across different accounts to minimize your lifetime tax bill and maximize your spending power. This episode provides the practical tactics you need to protect your nest egg from market volatility and avoid running out of money.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 21 Dec 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Choosing the right withdrawal strategy is the most critical decision for making your retirement savings last a lifetime. We move beyond the rigid 4% Rule to explore dynamic, flexible methods that adjust your spending based on real-time market performance. Learn how to strategically draw down your portfolio across different accounts to minimize your lifetime tax bill and maximize your spending power. This episode provides the practical tactics you need to protect your nest egg from market volatility and avoid running out of money.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Update with Senior Portfolio Manager Keith Gangl]]>
                </title>
                                <description>
                                            <![CDATA[This episode welcomes back Senior Portfolio Manager Keith Gangl for his highly anticipated market update, focusing on the critical economic factors impacting long-term wealth and retirement portfolios. Keith provides his expert analysis on inflation, interest rate movements, and sector performance, offering a clear picture of today&#039;s financial landscape. Tune in to hear his practical, data-driven strategies for navigating market volatility and positioning your retirement assets for sustained growth and income.]]>
                                    </description>
                <pubDate>Sun, 14 Dec 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9503</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/szAOatBEl96kyAXrECFCua5vKRZ63yOIpbC9QNFW.mp3"  length="38942520"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode welcomes back Senior Portfolio Manager Keith Gangl for his highly anticipated market update, focusing on the critical economic factors impacting long-term wealth and retirement portfolios. Keith provides his expert analysis on inflation, interest rate movements, and sector performance, offering a clear picture of today&#039;s financial landscape. Tune in to hear his practical, data-driven strategies for navigating market volatility and positioning your retirement assets for sustained growth and income.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 14 Dec 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode welcomes back Senior Portfolio Manager Keith Gangl for his highly anticipated market update, focusing on the critical economic factors impacting long-term wealth and retirement portfolios. Keith provides his expert analysis on inflation, interest rate movements, and sector performance, offering a clear picture of today&#039;s financial landscape. Tune in to hear his practical, data-driven strategies for navigating market volatility and positioning your retirement assets for sustained growth and income.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What Social Security’s 2026 COLA Means for You]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we’re going to discuss Social Security recently announced 2026 Cost of Living Adjustment (COLA).]]>
                                    </description>
                <pubDate>Sun, 30 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9410</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ZGjQKsawhOfBYxQTgpbw0sqem65KJn8i06kKa8Gj.mp3"  length="38941049"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we’re going to discuss Social Security recently announced 2026 Cost of Living Adjustment (COLA).]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 30 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we’re going to discuss Social Security recently announced 2026 Cost of Living Adjustment (COLA).]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[So, You’re a Decade From Retirement]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll consider potential steps to prepare for retirement if you’re about a decade away from that monumental event.]]>
                                    </description>
                <pubDate>Sun, 23 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9369</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/XLWGWVCn6XLQ1GDjxLksfolfcX8yBv4gSNbJzDI1.mp3"  length="38939347"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll consider potential steps to prepare for retirement if you’re about a decade away from that monumental event.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 23 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll consider potential steps to prepare for retirement if you’re about a decade away from that monumental event.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Update with Keith Gangl]]>
                </title>
                                <description>
                                            <![CDATA[This episode welcomes back Portfolio Manager Keith Gangl for his highly anticipated quarterly market update, focusing on the key economic indicators that are currently driving investor behavior. Keith offers his expert analysis on inflation trends, interest rate policy, and the sectors poised for the strongest growth in the coming months. Tune in to hear his precise strategies for navigating potential market volatility and positioning your investments for maximum long-term success.]]>
                                    </description>
                <pubDate>Sun, 09 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9296</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/wgET8Jd2zO4AUHBwafbmWHXuBHTg4g7RiHrO6Ypl.mp3"  length="38933761"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode welcomes back Portfolio Manager Keith Gangl for his highly anticipated quarterly market update, focusing on the key economic indicators that are currently driving investor behavior. Keith offers his expert analysis on inflation trends, interest rate policy, and the sectors poised for the strongest growth in the coming months. Tune in to hear his precise strategies for navigating potential market volatility and positioning your investments for maximum long-term success.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 09 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode welcomes back Portfolio Manager Keith Gangl for his highly anticipated quarterly market update, focusing on the key economic indicators that are currently driving investor behavior. Keith offers his expert analysis on inflation trends, interest rate policy, and the sectors poised for the strongest growth in the coming months. Tune in to hear his precise strategies for navigating potential market volatility and positioning your investments for maximum long-term success.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Avoid These Spooky Retirement Mistakes]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’re going to walk through some of the most frightful retirement mistakes and how you can avoid them.]]>
                                    </description>
                <pubDate>Sun, 26 Oct 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9214</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/dYQWY5ModnI2dCylVgwGZ0mGsaCtxtk5bQAVdsj0.mp3"  length="38932289"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’re going to walk through some of the most frightful retirement mistakes and how you can avoid them.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 26 Oct 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’re going to walk through some of the most frightful retirement mistakes and how you can avoid them.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Great Wealth Transfer and You]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to discuss the Great Wealth Transfer and how you can better ensure your own assets end up with the people you care about.]]>
                                    </description>
                <pubDate>Sun, 19 Oct 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9170</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/YsBnw3iWaYkfShSaB0qO8HWa4Mfk31Kq4dkBr7Wl.mp3"  length="64850607"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to discuss the Great Wealth Transfer and how you can better ensure your own assets end up with the people you care about.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 19 Oct 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to discuss the Great Wealth Transfer and how you can better ensure your own assets end up with the people you care about.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What the Fed’s Rate Cut Means For You]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’re going to discuss the Fed’s recent rate cut and what it might mean for your financial strategy.]]>
                                    </description>
                <pubDate>Sun, 12 Oct 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9129</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/EiDRerpbakHMwZQdMYGzkWX2U5ctUknb4U8cq70Z.mp3"  length="38928859"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’re going to discuss the Fed’s recent rate cut and what it might mean for your financial strategy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 12 Oct 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’re going to discuss the Fed’s recent rate cut and what it might mean for your financial strategy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Protect Your 401(k)]]>
                </title>
                                <description>
                                            <![CDATA[During today’s show, we’ll talk about what to do with your 401(k) if you change jobs, along with some other important 401(k) housekeeping items.]]>
                                    </description>
                <pubDate>Sun, 05 Oct 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9101</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/vbQW21KM3phdg6mOsXxVlwFZiSQ4OYXSYqJvshl6.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During today’s show, we’ll talk about what to do with your 401(k) if you change jobs, along with some other important 401(k) housekeeping items.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 05 Oct 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During today’s show, we’ll talk about what to do with your 401(k) if you change jobs, along with some other important 401(k) housekeeping items.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[These Habits Aren’t Just for the Wealthy]]>
                </title>
                                <description>
                                            <![CDATA[On this show, we’ll discuss 13 traits common among wealthy people, that anyone can utilize in their own financial strategy.]]>
                                    </description>
                <pubDate>Sun, 21 Sep 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9022</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ol5Wyacz76WyLWbGRnnPp8afyvlatpBMZkl0w7t9.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On this show, we’ll discuss 13 traits common among wealthy people, that anyone can utilize in their own financial strategy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 21 Sep 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[On this show, we’ll discuss 13 traits common among wealthy people, that anyone can utilize in their own financial strategy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Life Insurance? Roth IRA? What You Need to Know!]]>
                </title>
                                <description>
                                            <![CDATA[On today’s show, we’re going to consider the pros and cons of life insurance and Roth IRAs for retirement income as well as saving in a 401(k) and an IRA in the same year.]]>
                                    </description>
                <pubDate>Sun, 07 Sep 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8955</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/Vn0NaNtZv4PgCP1kzF455g5B2hZzcPeGKFntm6NC.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On today’s show, we’re going to consider the pros and cons of life insurance and Roth IRAs for retirement income as well as saving in a 401(k) and an IRA in the same year.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 07 Sep 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[On today’s show, we’re going to consider the pros and cons of life insurance and Roth IRAs for retirement income as well as saving in a 401(k) and an IRA in the same year.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Rules You Need to Know About]]>
                </title>
                                <description>
                                            <![CDATA[From savings strategies to withdrawal rules, this episode is your guide to a secure retirement. We&#039;ll cover essential rules like the 4% withdrawal rule, required minimum distributions, and how to maximize your Social Security benefits. Get ready to learn the key financial milestones and strategies you need to know to make your money last a lifetime.]]>
                                    </description>
                <pubDate>Sun, 31 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8921</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/dk9bshIm9K3BsRflDP7Vud7Ql5YnZP4JXIBHbY0W.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[From savings strategies to withdrawal rules, this episode is your guide to a secure retirement. We&#039;ll cover essential rules like the 4% withdrawal rule, required minimum distributions, and how to maximize your Social Security benefits. Get ready to learn the key financial milestones and strategies you need to know to make your money last a lifetime.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 31 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[From savings strategies to withdrawal rules, this episode is your guide to a secure retirement. We&#039;ll cover essential rules like the 4% withdrawal rule, required minimum distributions, and how to maximize your Social Security benefits. Get ready to learn the key financial milestones and strategies you need to know to make your money last a lifetime.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Beneficiary 101]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll examine many of the legal and strategy steps you should consider if you inherit an IRA.]]>
                                    </description>
                <pubDate>Sun, 24 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8886</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ybMsLxfPLxStfX1B5tUZy0ZOkP1dWsXfyPipS9Ko.mp3"  length="38931512"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll examine many of the legal and strategy steps you should consider if you inherit an IRA.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 24 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll examine many of the legal and strategy steps you should consider if you inherit an IRA.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[So, You Want to Retire Soon?]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’re going to consider steps you can take right now to prepare yourself for a near-horizon retirement.]]>
                                    </description>
                <pubDate>Sun, 17 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8852</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/BHCqjJygdO6eiWSG0C2M43eCsHnHQXsIWj7CPQhJ.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’re going to consider steps you can take right now to prepare yourself for a near-horizon retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 17 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’re going to consider steps you can take right now to prepare yourself for a near-horizon retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Elder Abuse &amp; Financial Scams]]>
                </title>
                                <description>
                                            <![CDATA[During this show we’re going to mark National Elder Abuse Awareness Day, June 15, by discussing elder abuse prevention and protecting yourself from financial scams.]]>
                                    </description>
                <pubDate>Sun, 10 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8813</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/9S78SHWGPCwd0YBsQVenXMArvq5ztNUxFZyx3M6D.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show we’re going to mark National Elder Abuse Awareness Day, June 15, by discussing elder abuse prevention and protecting yourself from financial scams.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 10 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show we’re going to mark National Elder Abuse Awareness Day, June 15, by discussing elder abuse prevention and protecting yourself from financial scams.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The New Budget Bill and You]]>
                </title>
                                <description>
                                            <![CDATA[During today’s show, we’re going to discuss what the newly signed federal budget bill may mean for older Americans and retirees.]]>
                                    </description>
                <pubDate>Sun, 27 Jul 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8761</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/dZYTkJVccof1TLyWF45JCghIZMSGA72D9dXPuVDS.mp3"  length="38927254"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During today’s show, we’re going to discuss what the newly signed federal budget bill may mean for older Americans and retirees.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 27 Jul 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During today’s show, we’re going to discuss what the newly signed federal budget bill may mean for older Americans and retirees.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What You Need to Know About IRMAA]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’re going to discuss Medicare’s surcharge, the income-related monthly adjustment amount, or IRMAA, as well as Medicare changes that are coming in 2026.]]>
                                    </description>
                <pubDate>Sun, 20 Jul 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8738</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/lAyWKdOoHkA9Q6odklKZorkHOvURwqY8MbOPuryC.mp3"  length="38924950"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’re going to discuss Medicare’s surcharge, the income-related monthly adjustment amount, or IRMAA, as well as Medicare changes that are coming in 2026.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 20 Jul 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’re going to discuss Medicare’s surcharge, the income-related monthly adjustment amount, or IRMAA, as well as Medicare changes that are coming in 2026.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Don’t make these 401(k) mistakes]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to discuss eight common 401(k) mistakes and why it’s important to avoid them.]]>
                                    </description>
                <pubDate>Sun, 13 Jul 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8287</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/KG99ET29rahRP1mHB0cnFQklmZIZRnW4JUyKGXMW.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to discuss eight common 401(k) mistakes and why it’s important to avoid them.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 13 Jul 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to discuss eight common 401(k) mistakes and why it’s important to avoid them.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Important Is Diversification?]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we talk about how important asset allocation, balance and diversification is when it comes to investing and saving for retirement.]]>
                                    </description>
                <pubDate>Sun, 06 Jul 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8263</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/Z4uhYKlZZiuhXqdk34BSRdf1QaQNKU1av32v1jId.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we talk about how important asset allocation, balance and diversification is when it comes to investing and saving for retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 06 Jul 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we talk about how important asset allocation, balance and diversification is when it comes to investing and saving for retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security Fairness Act 101]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll highlight the Social Security Fairness Act and some of the program’s foundational elements.]]>
                                    </description>
                <pubDate>Sun, 29 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8144</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250323-3458-Latour.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll highlight the Social Security Fairness Act and some of the program’s foundational elements.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 29 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll highlight the Social Security Fairness Act and some of the program’s foundational elements.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Comprehensive Retirement Planning Process]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we will discuss the essential steps of building a robust retirement plan, from assessing your current financial situation to understanding different investment vehicles. Learn how to set realistic goals, estimate future expenses, and create a personalized strategy that accounts for inflation and market fluctuations. Tune in to empower yourself with the knowledge needed to secure your financial future and enjoy a comfortable retirement.]]>
                                    </description>
                <pubDate>Sun, 15 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8579</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/t5DB7tgUht5arU04xv9Y6t5FMP3RyySHvPT8nrpa.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we will discuss the essential steps of building a robust retirement plan, from assessing your current financial situation to understanding different investment vehicles. Learn how to set realistic goals, estimate future expenses, and create a personalized strategy that accounts for inflation and market fluctuations. Tune in to empower yourself with the knowledge needed to secure your financial future and enjoy a comfortable retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 15 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we will discuss the essential steps of building a robust retirement plan, from assessing your current financial situation to understanding different investment vehicles. Learn how to set realistic goals, estimate future expenses, and create a personalized strategy that accounts for inflation and market fluctuations. Tune in to empower yourself with the knowledge needed to secure your financial future and enjoy a comfortable retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Your Retirement Calendar]]>
                </title>
                                <description>
                                            <![CDATA[Planning for retirement can feel overwhelming, but breaking it down into a calendar can make it manageable.  This week, we&#039;re mapping out key milestones on your &quot;Retirement Calendar,&quot; from initial savings goals to those crucial pre- and post-retirement decisions.  Join us to create a timeline that ensures you&#039;re financially prepared for your dream retirement.]]>
                                    </description>
                <pubDate>Sun, 08 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7922</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250202-53046-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Planning for retirement can feel overwhelming, but breaking it down into a calendar can make it manageable.  This week, we&#039;re mapping out key milestones on your &quot;Retirement Calendar,&quot; from initial savings goals to those crucial pre- and post-retirement decisions.  Join us to create a timeline that ensures you&#039;re financially prepared for your dream retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 08 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Planning for retirement can feel overwhelming, but breaking it down into a calendar can make it manageable.  This week, we&#039;re mapping out key milestones on your &quot;Retirement Calendar,&quot; from initial savings goals to those crucial pre- and post-retirement decisions.  Join us to create a timeline that ensures you&#039;re financially prepared for your dream retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement: How do you know if you’re ready?]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’re going to chat about the signs that help you how to know if you’re ready for retirement.]]>
                                    </description>
                <pubDate>Sun, 08 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8218</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/gmQ24gGGsxkbGxHKV2VnEcWDuDSK0G6ffcvjMbXF.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’re going to chat about the signs that help you how to know if you’re ready for retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 08 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’re going to chat about the signs that help you how to know if you’re ready for retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[9 strategies if you’re laid off right before retirement]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll look at some steps you can take if you’re suddenly laid off from your job within five years of your preferred retirement date.]]>
                                    </description>
                <pubDate>Sun, 01 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8428</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/QT9lIeeimszHFvh1jgxf5gSEqDyQWTA39XtSyIwf.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll look at some steps you can take if you’re suddenly laid off from your job within five years of your preferred retirement date.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 01 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll look at some steps you can take if you’re suddenly laid off from your job within five years of your preferred retirement date.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How much retirement income do you need?]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’re going to discuss retirement income, how to invest and save for retirement with little money, and four sources of potential retirement income.]]>
                                    </description>
                <pubDate>Sun, 25 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8179</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250330-3459-Latour.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’re going to discuss retirement income, how to invest and save for retirement with little money, and four sources of potential retirement income.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 25 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’re going to discuss retirement income, how to invest and save for retirement with little money, and four sources of potential retirement income.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Yes, retirees should keep investing]]>
                </title>
                                <description>
                                            <![CDATA[During this episode we’ll consider whether retirees should continue investing and talk about the various options for financial growth in retirement.]]>
                                    </description>
                <pubDate>Sun, 18 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8366</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/GcKPAD8X1rc1Aa3deLEWbEjHVFWg3vuriA2Ar5gx.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode we’ll consider whether retirees should continue investing and talk about the various options for financial growth in retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 18 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode we’ll consider whether retirees should continue investing and talk about the various options for financial growth in retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Saving for Retirement in Four Age Brackets]]>
                </title>
                                <description>
                                            <![CDATA[Ready to secure your future? This week on the podcast, we break down actionable retirement savings strategies tailored to your current life stage, whether you&#039;re just starting your career, navigating mid-life financial responsibilities, approaching retirement, or already enjoying it. We&#039;ll explore different investment options, contribution levels, and tax advantages relevant to each of the four key age brackets, empowering you to make informed decisions no matter where you are on your retirement journey.]]>
                                    </description>
                <pubDate>Sun, 04 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8317</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/zh3vWg5dUIrhyVZacdrnIko1dnblTBhoLzySe6le.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Ready to secure your future? This week on the podcast, we break down actionable retirement savings strategies tailored to your current life stage, whether you&#039;re just starting your career, navigating mid-life financial responsibilities, approaching retirement, or already enjoying it. We&#039;ll explore different investment options, contribution levels, and tax advantages relevant to each of the four key age brackets, empowering you to make informed decisions no matter where you are on your retirement journey.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 04 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Ready to secure your future? This week on the podcast, we break down actionable retirement savings strategies tailored to your current life stage, whether you&#039;re just starting your career, navigating mid-life financial responsibilities, approaching retirement, or already enjoying it. We&#039;ll explore different investment options, contribution levels, and tax advantages relevant to each of the four key age brackets, empowering you to make informed decisions no matter where you are on your retirement journey.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Misconceptions About Medicare with Cheryl Vandiver]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we welcome Medicare specialist Cheryl Vandiver to talk about misconceptions many people have regarding Medicare and tips and strategies to help maximize your coverage and minimize your cost.]]>
                                    </description>
                <pubDate>Sun, 06 Apr 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8208</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250406-53050-Latour.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we welcome Medicare specialist Cheryl Vandiver to talk about misconceptions many people have regarding Medicare and tips and strategies to help maximize your coverage and minimize your cost.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 06 Apr 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we welcome Medicare specialist Cheryl Vandiver to talk about misconceptions many people have regarding Medicare and tips and strategies to help maximize your coverage and minimize your cost.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[You Already Have a Budget Part 2]]>
                </title>
                                <description>
                                            <![CDATA[Don&#039;t let your money control you. Take control of your money and make it work for you. In this episode we talk about key ways to accomplish this.]]>
                                    </description>
                <pubDate>Sun, 16 Mar 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8114</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250316-53049-Latour.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Don&#039;t let your money control you. Take control of your money and make it work for you. In this episode we talk about key ways to accomplish this.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 16 Mar 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Don&#039;t let your money control you. Take control of your money and make it work for you. In this episode we talk about key ways to accomplish this.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[You Already Have a Budget! w/ Cheryl Vandiver]]>
                </title>
                                <description>
                                            <![CDATA[Some people think &quot;budget&quot; is a dirty word, or they dread coming up with one. Surprise! You already have a budget! If you don&#039;t control your budget, life and society will. In this episode we talk about why taking control of finances is so important and strategies to make it happen.]]>
                                    </description>
                <pubDate>Sun, 09 Mar 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8078</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250309-53048-Latour.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Some people think &quot;budget&quot; is a dirty word, or they dread coming up with one. Surprise! You already have a budget! If you don&#039;t control your budget, life and society will. In this episode we talk about why taking control of finances is so important and strategies to make it happen.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 09 Mar 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Some people think &quot;budget&quot; is a dirty word, or they dread coming up with one. Surprise! You already have a budget! If you don&#039;t control your budget, life and society will. In this episode we talk about why taking control of finances is so important and strategies to make it happen.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement is About the Details]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll highlight some of the most frequently overlooked financial steps.]]>
                                    </description>
                <pubDate>Sun, 02 Mar 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8045</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250302-3453-Latour.mp3"  length="38881184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll highlight some of the most frequently overlooked financial steps.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 02 Mar 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll highlight some of the most frequently overlooked financial steps.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Common Medicare Questions and Mistakes with Kayla Haden]]>
                </title>
                                <description>
                                            <![CDATA[Navigating the complexities of Medicare can be daunting, but it doesn&#039;t have to be! In this episode, we sit down with Medicare specialist Kayla Haden to discuss the most common questions and mistakes people make when enrolling in or using Medicare. Kayla breaks down the confusing jargon, clarifies eligibility requirements, and offers invaluable tips to help you maximize your benefits and avoid costly errors.]]>
                                    </description>
                <pubDate>Sat, 08 Feb 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7959</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250209-53047-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Navigating the complexities of Medicare can be daunting, but it doesn&#039;t have to be! In this episode, we sit down with Medicare specialist Kayla Haden to discuss the most common questions and mistakes people make when enrolling in or using Medicare. Kayla breaks down the confusing jargon, clarifies eligibility requirements, and offers invaluable tips to help you maximize your benefits and avoid costly errors.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 08 Feb 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Navigating the complexities of Medicare can be daunting, but it doesn&#039;t have to be! In this episode, we sit down with Medicare specialist Kayla Haden to discuss the most common questions and mistakes people make when enrolling in or using Medicare. Kayla breaks down the confusing jargon, clarifies eligibility requirements, and offers invaluable tips to help you maximize your benefits and avoid costly errors.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[All About IRAs &amp; 401k’s]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we dive into the basics and benefits of IRAs and 401(k)s. We explain how these retirement accounts differ, explore their tax advantages, and discuss contribution strategies. Join us to gain insights that can help you make the most of your retirement savings plan.]]>
                                    </description>
                <pubDate>Sun, 19 Jan 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7895</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250119-53045-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we dive into the basics and benefits of IRAs and 401(k)s. We explain how these retirement accounts differ, explore their tax advantages, and discuss contribution strategies. Join us to gain insights that can help you make the most of your retirement savings plan.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 19 Jan 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we dive into the basics and benefits of IRAs and 401(k)s. We explain how these retirement accounts differ, explore their tax advantages, and discuss contribution strategies. Join us to gain insights that can help you make the most of your retirement savings plan.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Comprehensive Retirement Planning]]>
                </title>
                                <description>
                                            <![CDATA[Retirement planning is about more than just numbers—it’s about creating a strategy that aligns with your goals and lifestyle. In this episode, we explore the key components of comprehensive retirement planning, including income strategies, tax-efficient savings, and risk management. Gain actionable insights to help clients or yourself achieve long-term retirement success.]]>
                                    </description>
                <pubDate>Sun, 29 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7841</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241229-53044-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Retirement planning is about more than just numbers—it’s about creating a strategy that aligns with your goals and lifestyle. In this episode, we explore the key components of comprehensive retirement planning, including income strategies, tax-efficient savings, and risk management. Gain actionable insights to help clients or yourself achieve long-term retirement success.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 29 Dec 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Retirement planning is about more than just numbers—it’s about creating a strategy that aligns with your goals and lifestyle. In this episode, we explore the key components of comprehensive retirement planning, including income strategies, tax-efficient savings, and risk management. Gain actionable insights to help clients or yourself achieve long-term retirement success.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Investment Tools]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we look at the world of retirement investment tools. We&#039;ll explore a variety of options, from traditional 401(k)s and IRAs to lesser-known but powerful strategies like Roth conversions and backdoor Roth contributions. We&#039;ll discuss the pros and cons of each, helping you make informed decisions about how to grow your retirement savings.]]>
                                    </description>
                <pubDate>Sun, 22 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7823</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241222-53043-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we look at the world of retirement investment tools. We&#039;ll explore a variety of options, from traditional 401(k)s and IRAs to lesser-known but powerful strategies like Roth conversions and backdoor Roth contributions. We&#039;ll discuss the pros and cons of each, helping you make informed decisions about how to grow your retirement savings.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 22 Dec 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we look at the world of retirement investment tools. We&#039;ll explore a variety of options, from traditional 401(k)s and IRAs to lesser-known but powerful strategies like Roth conversions and backdoor Roth contributions. We&#039;ll discuss the pros and cons of each, helping you make informed decisions about how to grow your retirement savings.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[A Guide to Roth IRA&#039;s and Roth Conversions]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we&#039;ll break down the basics of Roth IRAs, including contribution limits, income eligibility, and tax implications. We&#039;ll also explore Roth conversions, discussing the potential benefits and drawbacks of converting traditional IRAs to Roth IRAs. Finally, we&#039;ll provide tips on how to determine if a Roth IRA or Roth conversion is right for your financial goals.]]>
                                    </description>
                <pubDate>Sun, 15 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7795</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241215-53042-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we&#039;ll break down the basics of Roth IRAs, including contribution limits, income eligibility, and tax implications. We&#039;ll also explore Roth conversions, discussing the potential benefits and drawbacks of converting traditional IRAs to Roth IRAs. Finally, we&#039;ll provide tips on how to determine if a Roth IRA or Roth conversion is right for your financial goals.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 15 Dec 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we&#039;ll break down the basics of Roth IRAs, including contribution limits, income eligibility, and tax implications. We&#039;ll also explore Roth conversions, discussing the potential benefits and drawbacks of converting traditional IRAs to Roth IRAs. Finally, we&#039;ll provide tips on how to determine if a Roth IRA or Roth conversion is right for your financial goals.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What’s scarier, death or retirement?]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’re going to look at why many Americans may be afraid of retirement and strategies you can use to help avoid that fear.]]>
                                    </description>
                <pubDate>Sun, 01 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7742</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241201-3436-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’re going to look at why many Americans may be afraid of retirement and strategies you can use to help avoid that fear.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 01 Dec 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’re going to look at why many Americans may be afraid of retirement and strategies you can use to help avoid that fear.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Rollover or Stay Put?]]>
                </title>
                                <description>
                                            <![CDATA[Confused about whether to roll over your 401(k) or keep it where it is? In this episode, we break down the pros and cons of both options. Learn about tax implications, investment choices, and how to make the best decision for your financial future.]]>
                                    </description>
                <pubDate>Sun, 24 Nov 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7720</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241124-3345-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Confused about whether to roll over your 401(k) or keep it where it is? In this episode, we break down the pros and cons of both options. Learn about tax implications, investment choices, and how to make the best decision for your financial future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 24 Nov 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Confused about whether to roll over your 401(k) or keep it where it is? In this episode, we break down the pros and cons of both options. Learn about tax implications, investment choices, and how to make the best decision for your financial future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Understanding Social Security survivor benefits]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll take a thorough look at Social Security survivor benefits and what your ideal filing age may be.]]>
                                    </description>
                <pubDate>Sun, 17 Nov 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7695</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241117-3340-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll take a thorough look at Social Security survivor benefits and what your ideal filing age may be.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 17 Nov 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll take a thorough look at Social Security survivor benefits and what your ideal filing age may be.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Your Year-End Financial To-Do List]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we&#039;ll dive into the essential financial tasks you need to complete before the end of the year. From tax planning and investment strategies to retirement contributions and charitable giving, we&#039;ll provide actionable tips to help you maximize your financial health. Join us to ensure you&#039;re on track to meet your financial goals.]]>
                                    </description>
                <pubDate>Sun, 10 Nov 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7672</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241110-3434-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we&#039;ll dive into the essential financial tasks you need to complete before the end of the year. From tax planning and investment strategies to retirement contributions and charitable giving, we&#039;ll provide actionable tips to help you maximize your financial health. Join us to ensure you&#039;re on track to meet your financial goals.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 10 Nov 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we&#039;ll dive into the essential financial tasks you need to complete before the end of the year. From tax planning and investment strategies to retirement contributions and charitable giving, we&#039;ll provide actionable tips to help you maximize your financial health. Join us to ensure you&#039;re on track to meet your financial goals.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Update with Jeremy Bryan]]>
                </title>
                                <description>
                                            <![CDATA[Jeremy Bryan, Senior Portfolio Manager at Gradient Investments, joins us for a deep dive into the current market landscape. He&#039;ll share his insights on recent economic developments, discuss key trends affecting markets, and offer his perspective on the state and possible future of the market.]]>
                                    </description>
                <pubDate>Sun, 13 Oct 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7580</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241013-53041-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Jeremy Bryan, Senior Portfolio Manager at Gradient Investments, joins us for a deep dive into the current market landscape. He&#039;ll share his insights on recent economic developments, discuss key trends affecting markets, and offer his perspective on the state and possible future of the market.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 13 Oct 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Jeremy Bryan, Senior Portfolio Manager at Gradient Investments, joins us for a deep dive into the current market landscape. He&#039;ll share his insights on recent economic developments, discuss key trends affecting markets, and offer his perspective on the state and possible future of the market.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Do Reverse Mortgages Work?]]>
                </title>
                                <description>
                                            <![CDATA[Are reverse mortgages a viable option for retirees looking to supplement their income? In this episode, we dive into the pros and cons of reverse mortgages. Discover how they work, who qualifies, and if they&#039;re a suitable financial strategy for your retirement needs.]]>
                                    </description>
                <pubDate>Sun, 29 Sep 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7535</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240929-53040-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Are reverse mortgages a viable option for retirees looking to supplement their income? In this episode, we dive into the pros and cons of reverse mortgages. Discover how they work, who qualifies, and if they&#039;re a suitable financial strategy for your retirement needs.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 29 Sep 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Are reverse mortgages a viable option for retirees looking to supplement their income? In this episode, we dive into the pros and cons of reverse mortgages. Discover how they work, who qualifies, and if they&#039;re a suitable financial strategy for your retirement needs.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Inflation Reduction Act and Medicare]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we dive deep into the Inflation Reduction Act and its implications for Medicare. We&#039;ll discuss the key provisions that aim to lower prescription drug costs and reduce the federal deficit. Join us as we explore how these changes will impact Medicare beneficiaries and the overall healthcare landscape.]]>
                                    </description>
                <pubDate>Sun, 22 Sep 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7512</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240922-53039-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we dive deep into the Inflation Reduction Act and its implications for Medicare. We&#039;ll discuss the key provisions that aim to lower prescription drug costs and reduce the federal deficit. Join us as we explore how these changes will impact Medicare beneficiaries and the overall healthcare landscape.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 22 Sep 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we dive deep into the Inflation Reduction Act and its implications for Medicare. We&#039;ll discuss the key provisions that aim to lower prescription drug costs and reduce the federal deficit. Join us as we explore how these changes will impact Medicare beneficiaries and the overall healthcare landscape.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Understanding Inflation and Gearing Up for Retirement]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we dive deep into the complexities of inflation and its impact on retirement planning. Discover how inflation can erode the purchasing power of your savings over time and learn effective strategies to combat its effects. From understanding inflation rates to exploring inflation-proof investments, this episode equips you with the knowledge to safeguard your retirement future.]]>
                                    </description>
                <pubDate>Sun, 15 Sep 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7483</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240915-53038-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we dive deep into the complexities of inflation and its impact on retirement planning. Discover how inflation can erode the purchasing power of your savings over time and learn effective strategies to combat its effects. From understanding inflation rates to exploring inflation-proof investments, this episode equips you with the knowledge to safeguard your retirement future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 15 Sep 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we dive deep into the complexities of inflation and its impact on retirement planning. Discover how inflation can erode the purchasing power of your savings over time and learn effective strategies to combat its effects. From understanding inflation rates to exploring inflation-proof investments, this episode equips you with the knowledge to safeguard your retirement future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Preparing Your Finances for Fall]]>
                </title>
                                <description>
                                            <![CDATA[As the leaves change and the air cools, it&#039;s time to give your finances a seasonal refresh. In this episode, we&#039;ll discuss essential steps to prepare your budget for fall expenses, including spending plans, paying down debt, financial planning and more.]]>
                                    </description>
                <pubDate>Sun, 08 Sep 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7458</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240908-3433-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[As the leaves change and the air cools, it&#039;s time to give your finances a seasonal refresh. In this episode, we&#039;ll discuss essential steps to prepare your budget for fall expenses, including spending plans, paying down debt, financial planning and more.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 08 Sep 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[As the leaves change and the air cools, it&#039;s time to give your finances a seasonal refresh. In this episode, we&#039;ll discuss essential steps to prepare your budget for fall expenses, including spending plans, paying down debt, financial planning and more.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Don&#039;t End Up with These Retirement Regrets]]>
                </title>
                                <description>
                                            <![CDATA[Retirement can be a golden chapter, but many people look back with financial regrets. In this episode, we dive into common pitfalls that can derail your retirement dreams. From underestimating healthcare costs to regretting impulsive purchases, we&#039;ll uncover the most frequent financial missteps and provide actionable advice to avoid them. By the end, you&#039;ll have a clear roadmap to a worry-free retirement.]]>
                                    </description>
                <pubDate>Sun, 01 Sep 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7432</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240901-3432-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Retirement can be a golden chapter, but many people look back with financial regrets. In this episode, we dive into common pitfalls that can derail your retirement dreams. From underestimating healthcare costs to regretting impulsive purchases, we&#039;ll uncover the most frequent financial missteps and provide actionable advice to avoid them. By the end, you&#039;ll have a clear roadmap to a worry-free retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 01 Sep 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Retirement can be a golden chapter, but many people look back with financial regrets. In this episode, we dive into common pitfalls that can derail your retirement dreams. From underestimating healthcare costs to regretting impulsive purchases, we&#039;ll uncover the most frequent financial missteps and provide actionable advice to avoid them. By the end, you&#039;ll have a clear roadmap to a worry-free retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Targeting Age 95]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll first consider whether age 95 is still a good target age to build a retirement strategy around before considering some steps to prepare your finances for retirement.]]>
                                    </description>
                <pubDate>Sun, 18 Aug 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7385</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240818-3430-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll first consider whether age 95 is still a good target age to build a retirement strategy around before considering some steps to prepare your finances for retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 18 Aug 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll first consider whether age 95 is still a good target age to build a retirement strategy around before considering some steps to prepare your finances for retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Here’s How to Retire Early]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll discuss the FIRE, or Financial Independence, Retire Early, technique.]]>
                                    </description>
                <pubDate>Sun, 11 Aug 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7358</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240811-3427-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll discuss the FIRE, or Financial Independence, Retire Early, technique.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 11 Aug 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll discuss the FIRE, or Financial Independence, Retire Early, technique.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Importance of Social Security]]>
                </title>
                                <description>
                                            <![CDATA[Dreaming of an early retirement? This episode dives into how Social Security can play a key role in your financial freedom. We&#039;ll explore how claiming benefits early impacts your payout, and offer strategies to maximize your Social Security income. Tune in and get ready to plan for a comfortable, secure future!]]>
                                    </description>
                <pubDate>Sun, 21 Jul 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7289</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240721-53037-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Dreaming of an early retirement? This episode dives into how Social Security can play a key role in your financial freedom. We&#039;ll explore how claiming benefits early impacts your payout, and offer strategies to maximize your Social Security income. Tune in and get ready to plan for a comfortable, secure future!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 21 Jul 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Dreaming of an early retirement? This episode dives into how Social Security can play a key role in your financial freedom. We&#039;ll explore how claiming benefits early impacts your payout, and offer strategies to maximize your Social Security income. Tune in and get ready to plan for a comfortable, secure future!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Taxes may rise soon, here’s what to do…]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll discuss the potential fallout if the Tax Cuts and Jobs Act of 2017 is allowed to expire at the end of 2025. We’ll also highlight limiting taxes on retirement withdrawals.]]>
                                    </description>
                <pubDate>Sun, 30 Jun 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7227</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240707-3525-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll discuss the potential fallout if the Tax Cuts and Jobs Act of 2017 is allowed to expire at the end of 2025. We’ll also highlight limiting taxes on retirement withdrawals.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 30 Jun 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll discuss the potential fallout if the Tax Cuts and Jobs Act of 2017 is allowed to expire at the end of 2025. We’ll also highlight limiting taxes on retirement withdrawals.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security survivor benefits 101]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll discuss Social Security survivor benefits and your ideal filing age.]]>
                                    </description>
                <pubDate>Sun, 23 Jun 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7199</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240623-3422-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll discuss Social Security survivor benefits and your ideal filing age.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 23 Jun 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll discuss Social Security survivor benefits and your ideal filing age.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Understanding Medicare]]>
                </title>
                                <description>
                                            <![CDATA[Confused about navigating health insurance in your golden years? This episode breaks down Medicare, explaining Parts A, B, C, and D, and explores the difference between Original Medicare and Advantage Plans. Tune in and gain the confidence to choose the coverage that best fits your needs.]]>
                                    </description>
                <pubDate>Sun, 02 Jun 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7134</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240602-53036-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Confused about navigating health insurance in your golden years? This episode breaks down Medicare, explaining Parts A, B, C, and D, and explores the difference between Original Medicare and Advantage Plans. Tune in and gain the confidence to choose the coverage that best fits your needs.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 02 Jun 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Confused about navigating health insurance in your golden years? This episode breaks down Medicare, explaining Parts A, B, C, and D, and explores the difference between Original Medicare and Advantage Plans. Tune in and gain the confidence to choose the coverage that best fits your needs.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Success On Every Horizon]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll highlight short-term, medium-term, and long-term financial horizons and how to utilize each of them.]]>
                                    </description>
                <pubDate>Sun, 19 May 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7090</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240519-3419-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll highlight short-term, medium-term, and long-term financial horizons and how to utilize each of them.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 19 May 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll highlight short-term, medium-term, and long-term financial horizons and how to utilize each of them.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Saving for Retirement in Four Age Brackets]]>
                </title>
                                <description>
                                            <![CDATA[This episode dives deep into retirement planning. We&#039;ll explore how much you should be saving at every stage of your career, from your early 20s all the way to pre-retirement.  We&#039;ll provide clear benchmarks and actionable steps to help you reach your retirement goals, no matter your age.]]>
                                    </description>
                <pubDate>Sun, 28 Apr 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7014</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240429-53035-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode dives deep into retirement planning. We&#039;ll explore how much you should be saving at every stage of your career, from your early 20s all the way to pre-retirement.  We&#039;ll provide clear benchmarks and actionable steps to help you reach your retirement goals, no matter your age.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 28 Apr 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode dives deep into retirement planning. We&#039;ll explore how much you should be saving at every stage of your career, from your early 20s all the way to pre-retirement.  We&#039;ll provide clear benchmarks and actionable steps to help you reach your retirement goals, no matter your age.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[An Interview with Joe Latour]]>
                </title>
                                <description>
                                            <![CDATA[In this episode Jim and Josh interview the president and owner of Latour Asset Management, Joe Latour. He talks about his personal and financial journey and the lessons he learned that can help you and your finances.]]>
                                    </description>
                <pubDate>Sun, 14 Apr 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6966</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240414-53034-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode Jim and Josh interview the president and owner of Latour Asset Management, Joe Latour. He talks about his personal and financial journey and the lessons he learned that can help you and your finances.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 14 Apr 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode Jim and Josh interview the president and owner of Latour Asset Management, Joe Latour. He talks about his personal and financial journey and the lessons he learned that can help you and your finances.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Preparing for a Successful Retirement]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we explore how to assess your needs, develop a strategy, and make smart decisions to ensure a smooth transition into your golden years.  Join us as we unpack the secrets to a successful and secure retirement.]]>
                                    </description>
                <pubDate>Sun, 07 Apr 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6939</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240407-53033-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we explore how to assess your needs, develop a strategy, and make smart decisions to ensure a smooth transition into your golden years.  Join us as we unpack the secrets to a successful and secure retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 07 Apr 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we explore how to assess your needs, develop a strategy, and make smart decisions to ensure a smooth transition into your golden years.  Join us as we unpack the secrets to a successful and secure retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Preparing for RMDs]]>
                </title>
                                <description>
                                            <![CDATA[On this episode, we break down some of the most important things about RMDs as well as what IRA beneficiaries should be aware of when it comes to them.]]>
                                    </description>
                <pubDate>Sun, 31 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6913</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240331-3409-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On this episode, we break down some of the most important things about RMDs as well as what IRA beneficiaries should be aware of when it comes to them.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 31 Mar 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[On this episode, we break down some of the most important things about RMDs as well as what IRA beneficiaries should be aware of when it comes to them.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Get Ready For Rainy Days]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’re going to discuss essential steps that can provide rainy day financial protection.]]>
                                    </description>
                <pubDate>Sun, 24 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6892</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240324-3410-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’re going to discuss essential steps that can provide rainy day financial protection.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 24 Mar 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’re going to discuss essential steps that can provide rainy day financial protection.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Are You Prepared for Uncertainty - Interview with Jeremy Bryan]]>
                </title>
                                <description>
                                            <![CDATA[Having a strategy in place to handle and uncertain market and economy is important. In this episode we welcome Gradient Investments Senior Portfolio Manager Jeremy Bryan to talk about where the markets are at, where we might be headed and the various investment options that available.]]>
                                    </description>
                <pubDate>Sun, 17 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6866</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240317-53032-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Having a strategy in place to handle and uncertain market and economy is important. In this episode we welcome Gradient Investments Senior Portfolio Manager Jeremy Bryan to talk about where the markets are at, where we might be headed and the various investment options that available.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 17 Mar 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Having a strategy in place to handle and uncertain market and economy is important. In this episode we welcome Gradient Investments Senior Portfolio Manager Jeremy Bryan to talk about where the markets are at, where we might be headed and the various investment options that available.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[More Sensible Strategies for Retirement Withdrawals &amp; Retirement Income Taxes]]>
                </title>
                                <description>
                                            <![CDATA[Worried about outlasting your savings or getting hit with surprise tax bills in retirement? This episode explores smarter withdrawal strategies and tax-planning tactics to help you stretch your retirement income further and keep more money in your pocket.]]>
                                    </description>
                <pubDate>Sun, 10 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6840</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240310-53031-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Worried about outlasting your savings or getting hit with surprise tax bills in retirement? This episode explores smarter withdrawal strategies and tax-planning tactics to help you stretch your retirement income further and keep more money in your pocket.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 10 Mar 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Worried about outlasting your savings or getting hit with surprise tax bills in retirement? This episode explores smarter withdrawal strategies and tax-planning tactics to help you stretch your retirement income further and keep more money in your pocket.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Sensible Strategies For Retirement Account Withdrawals]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll discuss how you may be able to save money when you begin making withdrawals from retirement accounts.]]>
                                    </description>
                <pubDate>Sun, 03 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6811</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240303-3400-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll discuss how you may be able to save money when you begin making withdrawals from retirement accounts.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 03 Mar 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll discuss how you may be able to save money when you begin making withdrawals from retirement accounts.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What The 2024 Election Means for Your Finances]]>
                </title>
                                <description>
                                            <![CDATA[During today’s show, we’re going to consider what data and historical trends suggest the impact of the 2024 presidential election will be on your finances.]]>
                                    </description>
                <pubDate>Sun, 25 Feb 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6788</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240218-3406-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During today’s show, we’re going to consider what data and historical trends suggest the impact of the 2024 presidential election will be on your finances.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 25 Feb 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During today’s show, we’re going to consider what data and historical trends suggest the impact of the 2024 presidential election will be on your finances.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[A Guide To Roth IRAs and Roth IRA Conversions]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to get deep into the details about Roth IRAs and Roth IRA conversions.]]>
                                    </description>
                <pubDate>Sun, 18 Feb 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6765</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240211-3404-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to get deep into the details about Roth IRAs and Roth IRA conversions.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 18 Feb 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to get deep into the details about Roth IRAs and Roth IRA conversions.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Medicare 101]]>
                </title>
                                <description>
                                            <![CDATA[Confused about Medicare? Wondering Part A from Part D? This episode demystifies the healthcare program for 65+, guiding you through enrollment, costs, and coverage options. Tune in to learn more with our special guest, Kayla Chapa!]]>
                                    </description>
                <pubDate>Sun, 04 Feb 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6727</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240204-53030-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Confused about Medicare? Wondering Part A from Part D? This episode demystifies the healthcare program for 65+, guiding you through enrollment, costs, and coverage options. Tune in to learn more with our special guest, Kayla Chapa!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 04 Feb 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Confused about Medicare? Wondering Part A from Part D? This episode demystifies the healthcare program for 65+, guiding you through enrollment, costs, and coverage options. Tune in to learn more with our special guest, Kayla Chapa!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Your Four Retirement Chapters]]>
                </title>
                                <description>
                                            <![CDATA[On today’s show, we’re going to discuss your four chapters of retirement as well as what you can do to re-enter the workforce on a part-time basis after you’ve left your previous career.]]>
                                    </description>
                <pubDate>Sun, 28 Jan 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6698</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240128-3399-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On today’s show, we’re going to discuss your four chapters of retirement as well as what you can do to re-enter the workforce on a part-time basis after you’ve left your previous career.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 28 Jan 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[On today’s show, we’re going to discuss your four chapters of retirement as well as what you can do to re-enter the workforce on a part-time basis after you’ve left your previous career.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The 2024 Retirement Picture]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to discuss some of the economic factors and changes coming in 2024.]]>
                                    </description>
                <pubDate>Sun, 14 Jan 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6650</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240114-3397-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to discuss some of the economic factors and changes coming in 2024.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 14 Jan 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to discuss some of the economic factors and changes coming in 2024.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Comprehensive Retirement Planning]]>
                </title>
                                <description>
                                            <![CDATA[Josh and Jim welcome Joe Latour back to the show to discuss the elements you need for a comprehensive retirement plan, including risk management, investments, healthcare, social security and more.]]>
                                    </description>
                <pubDate>Sun, 24 Dec 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6592</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231224-53029-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Josh and Jim welcome Joe Latour back to the show to discuss the elements you need for a comprehensive retirement plan, including risk management, investments, healthcare, social security and more.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 24 Dec 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Josh and Jim welcome Joe Latour back to the show to discuss the elements you need for a comprehensive retirement plan, including risk management, investments, healthcare, social security and more.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Your Retirement Calendar]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we break out the key dates and milestones on your journey to and through retirement.]]>
                                    </description>
                <pubDate>Sun, 17 Dec 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6569</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231217-53028-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we break out the key dates and milestones on your journey to and through retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 17 Dec 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we break out the key dates and milestones on your journey to and through retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Strategies for Transferring Your Wealth to Your Kids]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll discuss transferring your wealth to your children and the baby boomer generation’s great wealth transfer.]]>
                                    </description>
                <pubDate>Sun, 10 Dec 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6540</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231210-3388-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll discuss transferring your wealth to your children and the baby boomer generation’s great wealth transfer.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 10 Dec 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll discuss transferring your wealth to your children and the baby boomer generation’s great wealth transfer.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Year-End Tax Strategies &amp; Tasks]]>
                </title>
                                <description>
                                            <![CDATA[There are way to save money and reduce your tax burden before the end of the year. We talk about these possible options and strategies in this episode.]]>
                                    </description>
                <pubDate>Sun, 26 Nov 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6488</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231126-53027-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There are way to save money and reduce your tax burden before the end of the year. We talk about these possible options and strategies in this episode.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 26 Nov 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There are way to save money and reduce your tax burden before the end of the year. We talk about these possible options and strategies in this episode.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security’s COLA is Rising Again]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to discuss the recent news about Social Security’s Cost of Living Adjustment increase as well as maximizing your Social Security payment.]]>
                                    </description>
                <pubDate>Sun, 19 Nov 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6471</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231119-3391-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to discuss the recent news about Social Security’s Cost of Living Adjustment increase as well as maximizing your Social Security payment.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 19 Nov 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to discuss the recent news about Social Security’s Cost of Living Adjustment increase as well as maximizing your Social Security payment.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[It’s Scam Season — Protect Yourself!]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll detail some common financial scams and how you can better protect yourself and your money.]]>
                                    </description>
                <pubDate>Sun, 05 Nov 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6418</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231105-3390-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll detail some common financial scams and how you can better protect yourself and your money.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 05 Nov 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll detail some common financial scams and how you can better protect yourself and your money.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Much Do I Really Need To Retire?]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to discuss how much you may need to have saved as you approach your planned retirement age.]]>
                                    </description>
                <pubDate>Sun, 29 Oct 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6393</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231029-3385-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to discuss how much you may need to have saved as you approach your planned retirement age.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 29 Oct 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to discuss how much you may need to have saved as you approach your planned retirement age.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Enhanced Planning with Steve Nieno]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we discuss what you need to know about estate and enhanced planning with special guest Steve Nieno, the Director of Enhanced Planning at Gradient Financial.]]>
                                    </description>
                <pubDate>Sun, 22 Oct 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6365</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231022-53026-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we discuss what you need to know about estate and enhanced planning with special guest Steve Nieno, the Director of Enhanced Planning at Gradient Financial.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 22 Oct 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we discuss what you need to know about estate and enhanced planning with special guest Steve Nieno, the Director of Enhanced Planning at Gradient Financial.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Frightful Financial Mistakes]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll have a little Halloween-themed fun while discussing common financial mistakes and how to avoid them.]]>
                                    </description>
                <pubDate>Sun, 08 Oct 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6314</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231008-3386-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll have a little Halloween-themed fun while discussing common financial mistakes and how to avoid them.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 08 Oct 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll have a little Halloween-themed fun while discussing common financial mistakes and how to avoid them.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Medicare 101]]>
                </title>
                                <description>
                                            <![CDATA[In this episode Josh welcomes their in-house Medicare professional Kayla Haden to discuss the basics of Medicare and what you need to know.]]>
                                    </description>
                <pubDate>Sun, 24 Sep 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6265</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230924-53025-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode Josh welcomes their in-house Medicare professional Kayla Haden to discuss the basics of Medicare and what you need to know.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 24 Sep 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode Josh welcomes their in-house Medicare professional Kayla Haden to discuss the basics of Medicare and what you need to know.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Strategies for a Recession Proof Retirement (Part 3)]]>
                </title>
                                <description>
                                            <![CDATA[We wrap up our discussion about the strategies you can use to have a solid financial and retirement plan.]]>
                                    </description>
                <pubDate>Sun, 17 Sep 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6245</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230917-53024-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We wrap up our discussion about the strategies you can use to have a solid financial and retirement plan.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 17 Sep 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We wrap up our discussion about the strategies you can use to have a solid financial and retirement plan.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Strategies for a Recession Proof Retirement Part 2]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we continue our discussion and what you need to know to make sure you have a written retirement plan and that your money will last as long as you do.]]>
                                    </description>
                <pubDate>Sun, 10 Sep 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6220</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230910-53023-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we continue our discussion and what you need to know to make sure you have a written retirement plan and that your money will last as long as you do.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 10 Sep 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we continue our discussion and what you need to know to make sure you have a written retirement plan and that your money will last as long as you do.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Strategies for a Recession Proof Retirement]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we start to go through each topic in the book Strategies for a Recession Proof Retirement&quot; by Jim Margraf and Joe Latour.]]>
                                    </description>
                <pubDate>Sun, 03 Sep 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6191</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230903-53022-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we start to go through each topic in the book Strategies for a Recession Proof Retirement&quot; by Jim Margraf and Joe Latour.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 03 Sep 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we start to go through each topic in the book Strategies for a Recession Proof Retirement&quot; by Jim Margraf and Joe Latour.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[2023 Q3 Market Commentary: Are You Prepared?]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we discuss where we are at with the markets and more importantly, what you need to know to be ready for year-end planning.]]>
                                    </description>
                <pubDate>Sun, 27 Aug 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6166</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230827-53021-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we discuss where we are at with the markets and more importantly, what you need to know to be ready for year-end planning.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 27 Aug 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we discuss where we are at with the markets and more importantly, what you need to know to be ready for year-end planning.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Can I Pay Fewer Taxes in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we talk about ways you can plan ahead to reduce your tax burden in retirement.]]>
                                    </description>
                <pubDate>Sun, 20 Aug 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6136</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230820-53020-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we talk about ways you can plan ahead to reduce your tax burden in retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 20 Aug 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we talk about ways you can plan ahead to reduce your tax burden in retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Inflation &amp; Prepping for Retirement]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we talk about how inflation affects your retirement and strategies to help plan for it.]]>
                                    </description>
                <pubDate>Sun, 13 Aug 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6110</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230813-53019-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we talk about how inflation affects your retirement and strategies to help plan for it.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 13 Aug 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we talk about how inflation affects your retirement and strategies to help plan for it.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Does Tax Deferral Actually Save You Money?]]>
                </title>
                                <description>
                                            <![CDATA[So, you love your tax-deferred retirement accounts like your 401(k) and traditional IRA... But does the tax break you get now really save you money in the long run? We answer that question and more in this episode.]]>
                                    </description>
                <pubDate>Sun, 06 Aug 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6084</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230806-53018-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[So, you love your tax-deferred retirement accounts like your 401(k) and traditional IRA... But does the tax break you get now really save you money in the long run? We answer that question and more in this episode.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 06 Aug 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[So, you love your tax-deferred retirement accounts like your 401(k) and traditional IRA... But does the tax break you get now really save you money in the long run? We answer that question and more in this episode.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Changes! Secure Act 2.0]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we talk about the Secure Act 2.0 and the changes that may be impacting your financial and retirement plans.]]>
                                    </description>
                <pubDate>Sun, 30 Jul 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6059</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230730-53017-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we talk about the Secure Act 2.0 and the changes that may be impacting your financial and retirement plans.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 30 Jul 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we talk about the Secure Act 2.0 and the changes that may be impacting your financial and retirement plans.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Retirement Income Tools]]>
                </title>
                                <description>
                                            <![CDATA[In this episode Josh and Jim discuss the tools you can use to help meet your retirement goals.]]>
                                    </description>
                <pubDate>Sun, 23 Jul 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6036</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230723-53016-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode Josh and Jim discuss the tools you can use to help meet your retirement goals.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 23 Jul 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode Josh and Jim discuss the tools you can use to help meet your retirement goals.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Importance of Social Security]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we talk about what you need to know before you file for Social Security in order to maximize your overall benefits.]]>
                                    </description>
                <pubDate>Sun, 16 Jul 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6016</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230716-53015-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we talk about what you need to know before you file for Social Security in order to maximize your overall benefits.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 16 Jul 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we talk about what you need to know before you file for Social Security in order to maximize your overall benefits.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[All About IRA&#039;s and 401(k)&#039;s]]>
                </title>
                                <description>
                                            <![CDATA[In this episode Josh and Jim talk about how to avoid costly mistakes with your 401(k)&#039;s and IRA&#039;s.]]>
                                    </description>
                <pubDate>Sun, 09 Jul 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5994</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230709-53014-Latour.mp3"  length="77761184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Joshua Latour and James Margraf]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode Josh and Jim talk about how to avoid costly mistakes with your 401(k)&#039;s and IRA&#039;s.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Joshua Latour</podcast:person>
                                    <podcast:person role="host" group="hosts">James Margraf</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 09 Jul 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode Josh and Jim talk about how to avoid costly mistakes with your 401(k)&#039;s and IRA&#039;s.]]>
                    </content:encoded>
                            </item>
            </channel>
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