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    <channel>
        <title>
            <![CDATA[Ready-Aim-Retire]]>
        </title>
        <link>https://apadvisorsgroup.com/</link>
        <description>
            <![CDATA[Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.]]>
        </description>
        <image>
            <url>https://financially-tuned.s3.us-east-2.amazonaws.com/public/Read Aim Retire Logo White BG.png</url>
            <title>
                <![CDATA[Ready-Aim-Retire]]>
            </title>
            <link>https://apadvisorsgroup.com/</link>
        </image>
        <language>en-us</language>
        
        
        <lastBuildDate>Tue, 16 Jun 2026 09:23:56 +0000</lastBuildDate>

        
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                    <itunes:author>
                <![CDATA[Patrick Kirvan]]>
            </itunes:author>
                <itunes:owner>
            <itunes:name>
                <![CDATA[Patrick Kirvan]]>
            </itunes:name>
            <itunes:email>radio@lusonmedia.com</itunes:email>
        </itunes:owner>
        <itunes:image href="https://financially-tuned.s3.us-east-2.amazonaws.com/public/Read Aim Retire Logo White BG.png" />
        
        <itunes:category text="Business" />
        <itunes:explicit>no</itunes:explicit>

        
        <dc:creator>
            <![CDATA[Patrick Kirvan]]>
        </dc:creator>

                    <item>
                <title>
                    <![CDATA[Space X and the Markets]]>
                </title>
                                <description>
                                            <![CDATA[SpaceX is on the verge of making history with the largest initial public offering (IPO) Wall Street has ever seen. This episode breaks down the massive market hype, the unique ways index funds are absorbing the stock, and the underlying financial risks for everyday investors. Tune in to find out if this cosmic listing is a golden long-term opportunity for your portfolio or an overvalued tech bubble to avoid.]]>
                                    </description>
                <pubDate>Sat, 13 Jun 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10598</guid>

                
                
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                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[SpaceX is on the verge of making history with the largest initial public offering (IPO) Wall Street has ever seen. This episode breaks down the massive market hype, the unique ways index funds are absorbing the stock, and the underlying financial risks for everyday investors. Tune in to find out if this cosmic listing is a golden long-term opportunity for your portfolio or an overvalued tech bubble to avoid.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 13 Jun 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[SpaceX is on the verge of making history with the largest initial public offering (IPO) Wall Street has ever seen. This episode breaks down the massive market hype, the unique ways index funds are absorbing the stock, and the underlying financial risks for everyday investors. Tune in to find out if this cosmic listing is a golden long-term opportunity for your portfolio or an overvalued tech bubble to avoid.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[No thanks, I don&#039;t want your money.]]>
                </title>
                                <description>
                                            <![CDATA[Inheriting money seems like an absolute win, but in some cases, accepting a sudden windfall can trigger a massive tax headache that pushes you into a much higher bracket. This episode explores the &quot;qualified disclaimer&quot;—a legal strategy that allows you to officially refuse inherited funds so they pass directly to the next beneficiary, like your own children, completely tax-free to you. Tune in to discover how saying &quot;no thanks&quot; to an inheritance might actually be the smartest financial move for your family&#039;s long-term wealth.]]>
                                    </description>
                <pubDate>Sat, 06 Jun 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10560</guid>

                
                
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                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Inheriting money seems like an absolute win, but in some cases, accepting a sudden windfall can trigger a massive tax headache that pushes you into a much higher bracket. This episode explores the &quot;qualified disclaimer&quot;—a legal strategy that allows you to officially refuse inherited funds so they pass directly to the next beneficiary, like your own children, completely tax-free to you. Tune in to discover how saying &quot;no thanks&quot; to an inheritance might actually be the smartest financial move for your family&#039;s long-term wealth.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 06 Jun 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Inheriting money seems like an absolute win, but in some cases, accepting a sudden windfall can trigger a massive tax headache that pushes you into a much higher bracket. This episode explores the &quot;qualified disclaimer&quot;—a legal strategy that allows you to officially refuse inherited funds so they pass directly to the next beneficiary, like your own children, completely tax-free to you. Tune in to discover how saying &quot;no thanks&quot; to an inheritance might actually be the smartest financial move for your family&#039;s long-term wealth.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Should I Stay or Should I Go]]>
                </title>
                                <description>
                                            <![CDATA[Deciding when to officially step away from your career is one of the biggest financial and emotional milestones you will ever face. This episode explores how to know if you are truly ready to retire by weighing your financial readiness against your personal vision for life after work. Tune in as we break down the key indicators that signal whether it is time to confidently say goodbye to the 9-to-5 or stay put a little longer.]]>
                                    </description>
                <pubDate>Sat, 30 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10516</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/3xNiKbTiBRqWkr8E3CmOHrsSiejEyCpjO5wmQVoN.mp3"  length="51337134"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Deciding when to officially step away from your career is one of the biggest financial and emotional milestones you will ever face. This episode explores how to know if you are truly ready to retire by weighing your financial readiness against your personal vision for life after work. Tune in as we break down the key indicators that signal whether it is time to confidently say goodbye to the 9-to-5 or stay put a little longer.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 30 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Deciding when to officially step away from your career is one of the biggest financial and emotional milestones you will ever face. This episode explores how to know if you are truly ready to retire by weighing your financial readiness against your personal vision for life after work. Tune in as we break down the key indicators that signal whether it is time to confidently say goodbye to the 9-to-5 or stay put a little longer.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Who&#039;s Really Working for You?]]>
                </title>
                                <description>
                                            <![CDATA[When choosing a financial advisor, how can you be sure their recommendations are in your best interest rather than their own bottom line? This episode breaks down the critical differences between a fiduciary—who is legally bound to put you first—and advisors held only to a suitability standard. Tune in to learn the exact questions you need to ask to uncover hidden fees, spot conflicts of interest, and ensure your money is working for you.]]>
                                    </description>
                <pubDate>Sat, 23 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10469</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/9b2DcekKXlavoqsqNGrOpbz5OnOAB6dK0uiPDxOl.mp3"  length="43714118"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When choosing a financial advisor, how can you be sure their recommendations are in your best interest rather than their own bottom line? This episode breaks down the critical differences between a fiduciary—who is legally bound to put you first—and advisors held only to a suitability standard. Tune in to learn the exact questions you need to ask to uncover hidden fees, spot conflicts of interest, and ensure your money is working for you.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 23 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When choosing a financial advisor, how can you be sure their recommendations are in your best interest rather than their own bottom line? This episode breaks down the critical differences between a fiduciary—who is legally bound to put you first—and advisors held only to a suitability standard. Tune in to learn the exact questions you need to ask to uncover hidden fees, spot conflicts of interest, and ensure your money is working for you.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Should You Invest at All-Time Highs]]>
                </title>
                                <description>
                                            <![CDATA[Is reaching a market peak the best time to buy or a signal to stay away? This episode breaks down the historical performance of investing at all-time highs versus waiting for a dip. Discover the data-driven strategies you need to manage risk and keep your portfolio growing when the market is soaring.]]>
                                    </description>
                <pubDate>Sat, 16 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10437</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/BIH9WVlLThz0eXsXNiRevqqyh3uqdMzH6uXLHK8J.mp3"  length="35957384"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Is reaching a market peak the best time to buy or a signal to stay away? This episode breaks down the historical performance of investing at all-time highs versus waiting for a dip. Discover the data-driven strategies you need to manage risk and keep your portfolio growing when the market is soaring.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 16 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Is reaching a market peak the best time to buy or a signal to stay away? This episode breaks down the historical performance of investing at all-time highs versus waiting for a dip. Discover the data-driven strategies you need to manage risk and keep your portfolio growing when the market is soaring.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Retirement Spending Plan with Chris Daniels]]>
                </title>
                                <description>
                                            <![CDATA[Learn how to transition from saving to spending with confidence as Chris Daniels breaks down the essentials of a sustainable retirement income strategy. This episode explores practical frameworks for managing your portfolio and ensuring your nest egg lasts a lifetime. Tune in to discover how to align your withdrawals with your personal goals for a stress-free financial future.]]>
                                    </description>
                <pubDate>Sat, 09 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10316</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/NF28pZCRBMuQEIuyt3vAXIXqwEVZu2an8frCbouG.mp3"  length="37314036"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Learn how to transition from saving to spending with confidence as Chris Daniels breaks down the essentials of a sustainable retirement income strategy. This episode explores practical frameworks for managing your portfolio and ensuring your nest egg lasts a lifetime. Tune in to discover how to align your withdrawals with your personal goals for a stress-free financial future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 09 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Learn how to transition from saving to spending with confidence as Chris Daniels breaks down the essentials of a sustainable retirement income strategy. This episode explores practical frameworks for managing your portfolio and ensuring your nest egg lasts a lifetime. Tune in to discover how to align your withdrawals with your personal goals for a stress-free financial future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Sudden Money: What To Do and Not Do, When You Inherit]]>
                </title>
                                <description>
                                            <![CDATA[Inheriting a windfall can be as overwhelming as it is life-changing, often triggering impulsive decisions during an emotional time. This episode explores the essential &quot;do’s and don’ts&quot; of managing sudden wealth, from assembling a trusted professional team to avoiding common tax pitfalls. Tune in to learn how to honor your inheritance by building a sustainable financial legacy while protecting your long-term peace of mind.]]>
                                    </description>
                <pubDate>Sat, 25 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10240</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/a0Mymp5kideALeY5Vxi5S1f2qAI0MA3Q1pFm3cnh.mp3"  length="40924088"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Inheriting a windfall can be as overwhelming as it is life-changing, often triggering impulsive decisions during an emotional time. This episode explores the essential &quot;do’s and don’ts&quot; of managing sudden wealth, from assembling a trusted professional team to avoiding common tax pitfalls. Tune in to learn how to honor your inheritance by building a sustainable financial legacy while protecting your long-term peace of mind.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Inheriting a windfall can be as overwhelming as it is life-changing, often triggering impulsive decisions during an emotional time. This episode explores the essential &quot;do’s and don’ts&quot; of managing sudden wealth, from assembling a trusted professional team to avoiding common tax pitfalls. Tune in to learn how to honor your inheritance by building a sustainable financial legacy while protecting your long-term peace of mind.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retiring TO Something, Not FROM Something]]>
                </title>
                                <description>
                                            <![CDATA[Transitioning into retirement is about more than just leaving the workforce; it is an intentional shift toward a life of purpose and renewed energy. This episode explores why having a clear vision for your &quot;second act&quot; is the most critical component of a successful financial and emotional plan. Join us as we discuss how to stop focusing on the exit and start building a future you can’t wait to wake up to.]]>
                                    </description>
                <pubDate>Sat, 18 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10203</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ygmkrW6AS6pqwIPrpZkYcZf4vQHbA0eTze4uEpoP.mp3"  length="56492070"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Transitioning into retirement is about more than just leaving the workforce; it is an intentional shift toward a life of purpose and renewed energy. This episode explores why having a clear vision for your &quot;second act&quot; is the most critical component of a successful financial and emotional plan. Join us as we discuss how to stop focusing on the exit and start building a future you can’t wait to wake up to.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 18 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Transitioning into retirement is about more than just leaving the workforce; it is an intentional shift toward a life of purpose and renewed energy. This episode explores why having a clear vision for your &quot;second act&quot; is the most critical component of a successful financial and emotional plan. Join us as we discuss how to stop focusing on the exit and start building a future you can’t wait to wake up to.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Who Gets Your Money When Things Go Wrong?]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we explore what really happens to your money when the unexpected occurs. From beneficiary designations to estate planning basics, we break down how assets are passed on and where things can go wrong. If you want to make sure your wishes are carried out and your loved ones are protected, this conversation offers practical insights to help you plan ahead.]]>
                                    </description>
                <pubDate>Sat, 11 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10157</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/awRVhMibanW3JCVWW0exlfaANtJlpwAQgjiO18f9.mp3"  length="41469670"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we explore what really happens to your money when the unexpected occurs. From beneficiary designations to estate planning basics, we break down how assets are passed on and where things can go wrong. If you want to make sure your wishes are carried out and your loved ones are protected, this conversation offers practical insights to help you plan ahead.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 11 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we explore what really happens to your money when the unexpected occurs. From beneficiary designations to estate planning basics, we break down how assets are passed on and where things can go wrong. If you want to make sure your wishes are carried out and your loved ones are protected, this conversation offers practical insights to help you plan ahead.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[When Markets Get Choppy, You Better Have Buckets]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we break down why a &quot;choppy&quot; market doesn’t have to sink your retirement plans if you have a structured cash-flow strategy in place. We explore the Bucket Strategy, a method of partitioning your assets into short-term liquidity, intermediate stability, and long-term growth to weather sudden volatility. Tune in to learn how to silence the market noise and maintain a disciplined spending plan regardless of what the indices are doing.]]>
                                    </description>
                <pubDate>Sat, 04 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10117</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/tZefDmRAemrGqBChxRcJtInRFsrIN8fJmUplfT57.mp3"  length="46282812"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we break down why a &quot;choppy&quot; market doesn’t have to sink your retirement plans if you have a structured cash-flow strategy in place. We explore the Bucket Strategy, a method of partitioning your assets into short-term liquidity, intermediate stability, and long-term growth to weather sudden volatility. Tune in to learn how to silence the market noise and maintain a disciplined spending plan regardless of what the indices are doing.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 04 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we break down why a &quot;choppy&quot; market doesn’t have to sink your retirement plans if you have a structured cash-flow strategy in place. We explore the Bucket Strategy, a method of partitioning your assets into short-term liquidity, intermediate stability, and long-term growth to weather sudden volatility. Tune in to learn how to silence the market noise and maintain a disciplined spending plan regardless of what the indices are doing.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Volatility isn&#039;t the problem... Timing is]]>
                </title>
                                <description>
                                            <![CDATA[While market swings often grab the headlines, this episode explores why the real danger to your retirement isn&#039;t the dip itself, but when that dip occurs. We break down the &quot;sequence of returns risk&quot; and how a poorly timed downturn can disproportionately impact those transitioning into their golden years.]]>
                                    </description>
                <pubDate>Sat, 28 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10074</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ccSz0uSYcNmskc6jQxD9DeSumaJ009DZZUdF7Juo.mp3"  length="56319784"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[While market swings often grab the headlines, this episode explores why the real danger to your retirement isn&#039;t the dip itself, but when that dip occurs. We break down the &quot;sequence of returns risk&quot; and how a poorly timed downturn can disproportionately impact those transitioning into their golden years.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 28 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[While market swings often grab the headlines, this episode explores why the real danger to your retirement isn&#039;t the dip itself, but when that dip occurs. We break down the &quot;sequence of returns risk&quot; and how a poorly timed downturn can disproportionately impact those transitioning into their golden years.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Critical Retirement Ages Explained]]>
                </title>
                                <description>
                                            <![CDATA[There a number of important milestone ages in retirement planning...from 50 to 73... Rob discusses all of them and what you need to know!]]>
                                    </description>
                <pubDate>Sat, 21 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10033</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/yB9mWhblDxMeigjdmPqOravPMkRgRsw5isNRGCsZ.mp3"  length="47977834"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There a number of important milestone ages in retirement planning...from 50 to 73... Rob discusses all of them and what you need to know!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There a number of important milestone ages in retirement planning...from 50 to 73... Rob discusses all of them and what you need to know!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[8 Things That Override Your Will]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we dive into the physiological and psychological triggers that cause even the most disciplined savers to abandon their long-term financial goals. We explore how external pressures subtly hijack your decision-making process without you realizing it. Finally, we provide actionable strategies to regain control of your wallet by identifying these &quot;willpower overrides&quot; before they lead to an expensive mistake.]]>
                                    </description>
                <pubDate>Sat, 14 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10007</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/QNrr3p5rj9v7yrxKsWUuAHk84kZc8MmjTy7cQn7z.mp3"  length="41382806"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we dive into the physiological and psychological triggers that cause even the most disciplined savers to abandon their long-term financial goals. We explore how external pressures subtly hijack your decision-making process without you realizing it. Finally, we provide actionable strategies to regain control of your wallet by identifying these &quot;willpower overrides&quot; before they lead to an expensive mistake.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we dive into the physiological and psychological triggers that cause even the most disciplined savers to abandon their long-term financial goals. We explore how external pressures subtly hijack your decision-making process without you realizing it. Finally, we provide actionable strategies to regain control of your wallet by identifying these &quot;willpower overrides&quot; before they lead to an expensive mistake.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Million Dollar Retirement Myth]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we challenge the conventional wisdom that a seven-figure nest egg is the universal requirement for a secure future. We break down how lifestyle design and strategic withdrawal rates often matter more than the total balance shown on your 401(k) statement.]]>
                                    </description>
                <pubDate>Sat, 07 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9963</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/V9OE2cN2OGDYPkZOFzltFWjhTjfnkjQhI8JWkbWQ.mp3"  length="38535234"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we challenge the conventional wisdom that a seven-figure nest egg is the universal requirement for a secure future. We break down how lifestyle design and strategic withdrawal rates often matter more than the total balance shown on your 401(k) statement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 07 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we challenge the conventional wisdom that a seven-figure nest egg is the universal requirement for a secure future. We break down how lifestyle design and strategic withdrawal rates often matter more than the total balance shown on your 401(k) statement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Social Security Trap]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we break down why claiming Social Security benefits at the earliest possible age often feels like a win but frequently functions as a permanent &quot;tax&quot; on your lifetime wealth. We dive into the math behind the 8% annual credit you lose by not waiting, illustrating how a short-term cash flow fix can lead to a long-term retirement deficit. Our experts share a strategic framework to help you determine if you are truly ready to walk the tightrope between immediate access and maximized longevity protection.]]>
                                    </description>
                <pubDate>Sat, 28 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9919</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/Bn8tS0dOBb1avNJ6Nx251FwutBFLAlVNauLB8H0j.mp3"  length="44473330"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we break down why claiming Social Security benefits at the earliest possible age often feels like a win but frequently functions as a permanent &quot;tax&quot; on your lifetime wealth. We dive into the math behind the 8% annual credit you lose by not waiting, illustrating how a short-term cash flow fix can lead to a long-term retirement deficit. Our experts share a strategic framework to help you determine if you are truly ready to walk the tightrope between immediate access and maximized longevity protection.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 28 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we break down why claiming Social Security benefits at the earliest possible age often feels like a win but frequently functions as a permanent &quot;tax&quot; on your lifetime wealth. We dive into the math behind the 8% annual credit you lose by not waiting, illustrating how a short-term cash flow fix can lead to a long-term retirement deficit. Our experts share a strategic framework to help you determine if you are truly ready to walk the tightrope between immediate access and maximized longevity protection.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The S&amp;P 493 Strategy]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we dive into the massive valuation gap between the &quot;Magnificent Seven&quot; tech giants and the rest of the market. We explore why the remaining 493 companies in the S&amp;P 500 may offer more sustainable growth and lower risk for long-term investors. Rob breaks down specific sectors poised for a breakout as capital finally rotates away from over-concentrated AI trades.]]>
                                    </description>
                <pubDate>Sat, 21 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9871</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/jDh4d9P7csC3UFAgrc06s0jO3UNVM3V9Eohx6I7E.mp3"  length="34051444"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we dive into the massive valuation gap between the &quot;Magnificent Seven&quot; tech giants and the rest of the market. We explore why the remaining 493 companies in the S&amp;P 500 may offer more sustainable growth and lower risk for long-term investors. Rob breaks down specific sectors poised for a breakout as capital finally rotates away from over-concentrated AI trades.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we dive into the massive valuation gap between the &quot;Magnificent Seven&quot; tech giants and the rest of the market. We explore why the remaining 493 companies in the S&amp;P 500 may offer more sustainable growth and lower risk for long-term investors. Rob breaks down specific sectors poised for a breakout as capital finally rotates away from over-concentrated AI trades.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Mike Binger of Gradient Investments Drops Bombshell]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, Mike Binger of Gradient Investments joins the show to pull back the curtain on a market shift that most Wall Street analysts are completely overlooking. He breaks down the specific economic indicators signaling a major disruption and explains why traditional &quot;safe-haven&quot; strategies may no longer protect your portfolio. Tune in to hear Binger’s unfiltered take on how to position your assets before the rest of the market catches on to these emerging risks.]]>
                                    </description>
                <pubDate>Sat, 14 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9818</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/vJZ4OQbIlp1zEfmnEpaX3EG2z2OOlEVAW8VgJThS.mp3"  length="48229280"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, Mike Binger of Gradient Investments joins the show to pull back the curtain on a market shift that most Wall Street analysts are completely overlooking. He breaks down the specific economic indicators signaling a major disruption and explains why traditional &quot;safe-haven&quot; strategies may no longer protect your portfolio. Tune in to hear Binger’s unfiltered take on how to position your assets before the rest of the market catches on to these emerging risks.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, Mike Binger of Gradient Investments joins the show to pull back the curtain on a market shift that most Wall Street analysts are completely overlooking. He breaks down the specific economic indicators signaling a major disruption and explains why traditional &quot;safe-haven&quot; strategies may no longer protect your portfolio. Tune in to hear Binger’s unfiltered take on how to position your assets before the rest of the market catches on to these emerging risks.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Trump Accounts for Babies]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we break down the launch of the new federal &quot;Trump Accounts&quot; and what the $1,000 government seed money means for babies born between 2026 and 2028. We explore how parents can maximize these tax-advantaged investments through private contributions and employer matches to build a long-term nest egg for their children. Finally, our experts compare these new accounts to traditional 529 plans and discuss the potential impact on the American &quot;ownership society.&quot;]]>
                                    </description>
                <pubDate>Sat, 07 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9771</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/7eazaetrSK1ajb0b5UIaGiEGL3Y4dzGCWLzxDDfa.mp3"  length="49757924"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we break down the launch of the new federal &quot;Trump Accounts&quot; and what the $1,000 government seed money means for babies born between 2026 and 2028. We explore how parents can maximize these tax-advantaged investments through private contributions and employer matches to build a long-term nest egg for their children. Finally, our experts compare these new accounts to traditional 529 plans and discuss the potential impact on the American &quot;ownership society.&quot;]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 07 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we break down the launch of the new federal &quot;Trump Accounts&quot; and what the $1,000 government seed money means for babies born between 2026 and 2028. We explore how parents can maximize these tax-advantaged investments through private contributions and employer matches to build a long-term nest egg for their children. Finally, our experts compare these new accounts to traditional 529 plans and discuss the potential impact on the American &quot;ownership society.&quot;]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Saving Was Easy. Income is the Hard Part.]]>
                </title>
                                <description>
                                            <![CDATA[Frugality is a finite game, but your earning potential doesn&#039;t have to be. In this episode, we dive into why obsessing over your $5 coffee is often a distraction from the high-leverage moves needed to scale your primary revenue streams. Learn how to stop playing defense with your savings and start playing offense with your income to finally break through your financial ceiling.]]>
                                    </description>
                <pubDate>Sat, 31 Jan 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9725</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/p2nV3tv8tlT9rM52n5lmEpfQWtlbbAfeMjxJW5j0.mp3"  length="45175526"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Frugality is a finite game, but your earning potential doesn&#039;t have to be. In this episode, we dive into why obsessing over your $5 coffee is often a distraction from the high-leverage moves needed to scale your primary revenue streams. Learn how to stop playing defense with your savings and start playing offense with your income to finally break through your financial ceiling.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 31 Jan 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Frugality is a finite game, but your earning potential doesn&#039;t have to be. In this episode, we dive into why obsessing over your $5 coffee is often a distraction from the high-leverage moves needed to scale your primary revenue streams. Learn how to stop playing defense with your savings and start playing offense with your income to finally break through your financial ceiling.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Private Markets with Keith Gangl]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, veteran Portfolio Manager Keith Gangl joins the show to pull back the curtain on the exclusive world of private markets, from private equity to private credit. We delve into why institutional investors favor these illiquid assets and how the &quot;democratization&quot; of finance is finally opening doors for individual investors to participate. Keith shares his professional framework for evaluating these complex opportunities and explains how adding private exposure can potentially enhance returns and decrease overall portfolio volatility.]]>
                                    </description>
                <pubDate>Sat, 17 Jan 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9640</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/LyDF46P0pnQqQZZ1nKGV5pC4CT2uLkzOPmo45uE0.mp3"  length="52576808"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, veteran Portfolio Manager Keith Gangl joins the show to pull back the curtain on the exclusive world of private markets, from private equity to private credit. We delve into why institutional investors favor these illiquid assets and how the &quot;democratization&quot; of finance is finally opening doors for individual investors to participate. Keith shares his professional framework for evaluating these complex opportunities and explains how adding private exposure can potentially enhance returns and decrease overall portfolio volatility.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 17 Jan 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, veteran Portfolio Manager Keith Gangl joins the show to pull back the curtain on the exclusive world of private markets, from private equity to private credit. We delve into why institutional investors favor these illiquid assets and how the &quot;democratization&quot; of finance is finally opening doors for individual investors to participate. Keith shares his professional framework for evaluating these complex opportunities and explains how adding private exposure can potentially enhance returns and decrease overall portfolio volatility.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Tax Checklist for 2026]]>
                </title>
                                <description>
                                            <![CDATA[he 2026 tax landscape is changing fast, so get a head start with our comprehensive, action-oriented checklist. We break down the expiring provisions of the Tax Cuts and Jobs Act (TCJA), including updates to tax brackets and the standard deduction, to show you how they&#039;ll impact your bottom line. Tune in for essential moves on retirement contributions, tax-loss harvesting, and navigating Roth conversions to make sure you&#039;re planning for maximum financial efficiency.]]>
                                    </description>
                <pubDate>Sat, 13 Dec 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9507</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/n2Ni6YKQH2TDn3UvPrFsT2MC08fkaWlJ4iZ29b6z.mp3"  length="45879252"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[he 2026 tax landscape is changing fast, so get a head start with our comprehensive, action-oriented checklist. We break down the expiring provisions of the Tax Cuts and Jobs Act (TCJA), including updates to tax brackets and the standard deduction, to show you how they&#039;ll impact your bottom line. Tune in for essential moves on retirement contributions, tax-loss harvesting, and navigating Roth conversions to make sure you&#039;re planning for maximum financial efficiency.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 13 Dec 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[he 2026 tax landscape is changing fast, so get a head start with our comprehensive, action-oriented checklist. We break down the expiring provisions of the Tax Cuts and Jobs Act (TCJA), including updates to tax brackets and the standard deduction, to show you how they&#039;ll impact your bottom line. Tune in for essential moves on retirement contributions, tax-loss harvesting, and navigating Roth conversions to make sure you&#039;re planning for maximum financial efficiency.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Year in Review and Bold Predictions for 2026]]>
                </title>
                                <description>
                                            <![CDATA[This comprehensive episode wraps up the key economic events and market narratives that defined the past year, from inflation trends to policy shifts. We transition to making bold predictions for 2026, offering our forecast for interest rates, stock market performance, and the continuing influence of AI investment. Tune in for an actionable outlook that prepares your portfolio for the opportunities and potential risks of the year ahead.]]>
                                    </description>
                <pubDate>Sat, 06 Dec 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9459</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/XsCl2Sf7XeIYZm6476Jj9sIWjj0K06AtpBQKq451.mp3"  length="51414725"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This comprehensive episode wraps up the key economic events and market narratives that defined the past year, from inflation trends to policy shifts. We transition to making bold predictions for 2026, offering our forecast for interest rates, stock market performance, and the continuing influence of AI investment. Tune in for an actionable outlook that prepares your portfolio for the opportunities and potential risks of the year ahead.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 06 Dec 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This comprehensive episode wraps up the key economic events and market narratives that defined the past year, from inflation trends to policy shifts. We transition to making bold predictions for 2026, offering our forecast for interest rates, stock market performance, and the continuing influence of AI investment. Tune in for an actionable outlook that prepares your portfolio for the opportunities and potential risks of the year ahead.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Gratitude and What NOT to do at Thanksgiving]]>
                </title>
                                <description>
                                            <![CDATA[This special Thanksgiving episode focuses on cultivating financial gratitude while offering timely advice on avoiding common seasonal mistakes that can derail your budget. We share a moving story of a community member we were recently able to help financially, serving as a powerful reminder of the importance of giving back and being thankful for our own resources. Finally, we break down what NOT to do—like maxing out credit cards on travel or getting pressured into impulsive Black Friday spending—to ensure you start the new year on sound financial footing.]]>
                                    </description>
                <pubDate>Sat, 22 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9396</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/h4Gf8cy9ibBPlk1nSd1CyAtGr9NaUOmSt4ZxzPD0.mp3"  length="47564337"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This special Thanksgiving episode focuses on cultivating financial gratitude while offering timely advice on avoiding common seasonal mistakes that can derail your budget. We share a moving story of a community member we were recently able to help financially, serving as a powerful reminder of the importance of giving back and being thankful for our own resources. Finally, we break down what NOT to do—like maxing out credit cards on travel or getting pressured into impulsive Black Friday spending—to ensure you start the new year on sound financial footing.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 22 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This special Thanksgiving episode focuses on cultivating financial gratitude while offering timely advice on avoiding common seasonal mistakes that can derail your budget. We share a moving story of a community member we were recently able to help financially, serving as a powerful reminder of the importance of giving back and being thankful for our own resources. Finally, we break down what NOT to do—like maxing out credit cards on travel or getting pressured into impulsive Black Friday spending—to ensure you start the new year on sound financial footing.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The 4 Pillars of Advance Planning]]>
                </title>
                                <description>
                                            <![CDATA[This foundational episode breaks down the four essential elements that make up comprehensive advance planning, going beyond simple wills and trusts. We detail the often-overlooked necessity of establishing financial power of attorney, healthcare directives, legacy planning, and digital asset management. Learn why addressing these four pillars now is crucial for protecting your wealth, ensuring your wishes are followed, and providing peace of mind for your loved ones.]]>
                                    </description>
                <pubDate>Sat, 15 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9358</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/am6CfS3aATX1A7LQEmPDUZ6fRH0reoS8aIg2QnHY.mp3"  length="42625309"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This foundational episode breaks down the four essential elements that make up comprehensive advance planning, going beyond simple wills and trusts. We detail the often-overlooked necessity of establishing financial power of attorney, healthcare directives, legacy planning, and digital asset management. Learn why addressing these four pillars now is crucial for protecting your wealth, ensuring your wishes are followed, and providing peace of mind for your loved ones.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 15 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This foundational episode breaks down the four essential elements that make up comprehensive advance planning, going beyond simple wills and trusts. We detail the often-overlooked necessity of establishing financial power of attorney, healthcare directives, legacy planning, and digital asset management. Learn why addressing these four pillars now is crucial for protecting your wealth, ensuring your wishes are followed, and providing peace of mind for your loved ones.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Update with Mike Binger]]>
                </title>
                                <description>
                                            <![CDATA[President of Gradient Investments, Michael Binger, joins us for a comprehensive market update, offering his expert analysis on the forces currently driving stock and bond performance. With over 30 years of experience managing multi-billion dollar institutional assets, Mike provides a clear perspective on the biggest market risks and the sectors he believes are poised for a breakout. Tune in as we discuss his tactical strategies for balancing growth and defense, giving you the insights needed to position your portfolio wisely.]]>
                                    </description>
                <pubDate>Sat, 08 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9321</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/wRbDE8SQGKSRwt3In8MrcbbigP0Sk8M4AMA6X6eU.mp3"  length="47548381"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[President of Gradient Investments, Michael Binger, joins us for a comprehensive market update, offering his expert analysis on the forces currently driving stock and bond performance. With over 30 years of experience managing multi-billion dollar institutional assets, Mike provides a clear perspective on the biggest market risks and the sectors he believes are poised for a breakout. Tune in as we discuss his tactical strategies for balancing growth and defense, giving you the insights needed to position your portfolio wisely.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[President of Gradient Investments, Michael Binger, joins us for a comprehensive market update, offering his expert analysis on the forces currently driving stock and bond performance. With over 30 years of experience managing multi-billion dollar institutional assets, Mike provides a clear perspective on the biggest market risks and the sectors he believes are poised for a breakout. Tune in as we discuss his tactical strategies for balancing growth and defense, giving you the insights needed to position your portfolio wisely.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Interview with Chris Daniels]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, Rob welcomes special guest and financial advisor Chris Daniels to the show to talk about his journey and his financial background.]]>
                                    </description>
                <pubDate>Sat, 01 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9280</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/LD0xd0754UKbnMqBsHPf9dzzHxIhd0hO4tajGKDi.mp3"  length="49506377"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, Rob welcomes special guest and financial advisor Chris Daniels to the show to talk about his journey and his financial background.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 01 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, Rob welcomes special guest and financial advisor Chris Daniels to the show to talk about his journey and his financial background.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[This is Why We Plan]]>
                </title>
                                <description>
                                            <![CDATA[A strong financial plan is your shield against the fear and panic that market volatility ignites, but many investors treat a plan like a mere suggestion. This episode reveals the key strategies—from tactical asset allocation to disciplined spending—that insulate your retirement from economic uncertainty. Tune in to understand that &quot;This is Why We Plan&quot; is not just a title, but the difference between merely hoping for the best and confidently being prepared for the worst.]]>
                                    </description>
                <pubDate>Sat, 25 Oct 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9226</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/DXQMprrqbBjzT6GuXsOQdmhJG8mDDIsO83TLMVxv.mp3"  length="39947339"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[A strong financial plan is your shield against the fear and panic that market volatility ignites, but many investors treat a plan like a mere suggestion. This episode reveals the key strategies—from tactical asset allocation to disciplined spending—that insulate your retirement from economic uncertainty. Tune in to understand that &quot;This is Why We Plan&quot; is not just a title, but the difference between merely hoping for the best and confidently being prepared for the worst.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 Oct 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[A strong financial plan is your shield against the fear and panic that market volatility ignites, but many investors treat a plan like a mere suggestion. This episode reveals the key strategies—from tactical asset allocation to disciplined spending—that insulate your retirement from economic uncertainty. Tune in to understand that &quot;This is Why We Plan&quot; is not just a title, but the difference between merely hoping for the best and confidently being prepared for the worst.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Interest Rate Cuts and How it Will Affect You]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we break down what the recent interest rate cuts mean for your personal finances. We&#039;ll explore how these changes can impact everything from your mortgage and credit card debt to the returns on your savings accounts and investments. Tune in to learn how to adapt your financial strategy and make the most of this new economic environment.]]>
                                    </description>
                <pubDate>Sat, 27 Sep 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9070</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/fQYrmv0trggsJoyJL5nuGWJ2Vf7trSuV624efJYq.mp3"  length="42083470"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we break down what the recent interest rate cuts mean for your personal finances. We&#039;ll explore how these changes can impact everything from your mortgage and credit card debt to the returns on your savings accounts and investments. Tune in to learn how to adapt your financial strategy and make the most of this new economic environment.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 27 Sep 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we break down what the recent interest rate cuts mean for your personal finances. We&#039;ll explore how these changes can impact everything from your mortgage and credit card debt to the returns on your savings accounts and investments. Tune in to learn how to adapt your financial strategy and make the most of this new economic environment.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Retirement Income Puzzle: Fitting all the pieces together]]>
                </title>
                                <description>
                                            <![CDATA[Navigating retirement can feel like a puzzle with many moving parts, but this episode helps you put all the pieces together. We’ll guide you through the complexities of Social Security, pension plans, and investment withdrawals, showing you how to build a reliable income stream. Learn practical strategies for creating a sustainable financial plan that ensures your retirement years are comfortable and stress-free.]]>
                                    </description>
                <pubDate>Sat, 13 Sep 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9006</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/FvdcjqPE0096TAgkE2BZ6AZMktGvfs37JDPM60yb.mp3"  length="45122144"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Navigating retirement can feel like a puzzle with many moving parts, but this episode helps you put all the pieces together. We’ll guide you through the complexities of Social Security, pension plans, and investment withdrawals, showing you how to build a reliable income stream. Learn practical strategies for creating a sustainable financial plan that ensures your retirement years are comfortable and stress-free.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 13 Sep 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Navigating retirement can feel like a puzzle with many moving parts, but this episode helps you put all the pieces together. We’ll guide you through the complexities of Social Security, pension plans, and investment withdrawals, showing you how to build a reliable income stream. Learn practical strategies for creating a sustainable financial plan that ensures your retirement years are comfortable and stress-free.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What Happens When You Inherit Money]]>
                </title>
                                <description>
                                            <![CDATA[Navigating an inheritance can be a complex and emotional journey, often leaving people unsure of what to do first. This episode provides a clear roadmap for managing a financial windfall, from the initial steps of securing the funds to creating a thoughtful long-term strategy. We&#039;ll cover key considerations like paying off debt, understanding tax implications, and making smart investment decisions to honor your loved one&#039;s legacy.]]>
                                    </description>
                <pubDate>Sat, 30 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8939</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/eFlfn4S3vmMjUwF574SJXsYwLB8mOFhSafFO1EeW.mp3"  length="44862944"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Navigating an inheritance can be a complex and emotional journey, often leaving people unsure of what to do first. This episode provides a clear roadmap for managing a financial windfall, from the initial steps of securing the funds to creating a thoughtful long-term strategy. We&#039;ll cover key considerations like paying off debt, understanding tax implications, and making smart investment decisions to honor your loved one&#039;s legacy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 30 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Navigating an inheritance can be a complex and emotional journey, often leaving people unsure of what to do first. This episode provides a clear roadmap for managing a financial windfall, from the initial steps of securing the funds to creating a thoughtful long-term strategy. We&#039;ll cover key considerations like paying off debt, understanding tax implications, and making smart investment decisions to honor your loved one&#039;s legacy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[BEFORE the End of the Year Checklist]]>
                </title>
                                <description>
                                            <![CDATA[Don&#039;t wait until the last 2 months of the year...get that year-end financial checklist done now! In this episode we talk about what should be on your BEFORE the year-end financial checklist.]]>
                                    </description>
                <pubDate>Sat, 23 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8909</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/uOCZ1EbPwy69gRQVFjw0A5lAwlycHueixd4o6wXH.mp3"  length="43482840"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Don&#039;t wait until the last 2 months of the year...get that year-end financial checklist done now! In this episode we talk about what should be on your BEFORE the year-end financial checklist.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 23 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Don&#039;t wait until the last 2 months of the year...get that year-end financial checklist done now! In this episode we talk about what should be on your BEFORE the year-end financial checklist.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Big Beautiful Bill Show]]>
                </title>
                                <description>
                                            <![CDATA[This episode breaks down the complex and far-reaching impacts of the newly passed &quot;One Big Beautiful Bill.&quot; We&#039;ll simplify the key provisions, explaining how this landmark legislation will directly affect everything from your taxes to your investment portfolio. Join us for a clear and concise analysis of what this bill means for your financial future.]]>
                                    </description>
                <pubDate>Sat, 16 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8870</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/48C4rMIehbsFwGU5LLXX6xE5q1r1nOO628jseCFh.mp3"  length="51355040"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode breaks down the complex and far-reaching impacts of the newly passed &quot;One Big Beautiful Bill.&quot; We&#039;ll simplify the key provisions, explaining how this landmark legislation will directly affect everything from your taxes to your investment portfolio. Join us for a clear and concise analysis of what this bill means for your financial future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 16 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode breaks down the complex and far-reaching impacts of the newly passed &quot;One Big Beautiful Bill.&quot; We&#039;ll simplify the key provisions, explaining how this landmark legislation will directly affect everything from your taxes to your investment portfolio. Join us for a clear and concise analysis of what this bill means for your financial future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[First Half Review of 2025 - Finish the Year Strong]]>
                </title>
                                <description>
                                            <![CDATA[Join us for a comprehensive &quot;First Half Review of 2025&quot; as we break down the major financial events and market trends that shaped the first six months of the year. We&#039;ll analyze what happened, why it matters, and what actionable insights you can glean from this period. Tune in to discover strategies and perspectives that will empower you to finish the year strong and achieve your financial goals.]]>
                                    </description>
                <pubDate>Sat, 05 Jul 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8691</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/v1oa8De3Cv6VtBBU8J5CWyBedoH704TgOz8rAz2R.mp3"  length="39703136"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Join us for a comprehensive &quot;First Half Review of 2025&quot; as we break down the major financial events and market trends that shaped the first six months of the year. We&#039;ll analyze what happened, why it matters, and what actionable insights you can glean from this period. Tune in to discover strategies and perspectives that will empower you to finish the year strong and achieve your financial goals.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 05 Jul 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Join us for a comprehensive &quot;First Half Review of 2025&quot; as we break down the major financial events and market trends that shaped the first six months of the year. We&#039;ll analyze what happened, why it matters, and what actionable insights you can glean from this period. Tune in to discover strategies and perspectives that will empower you to finish the year strong and achieve your financial goals.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Tax Advantaged Investing]]>
                </title>
                                <description>
                                            <![CDATA[Keith Gangl joins to dive into the often-overlooked benefits of investing within tax-advantaged accounts. We&#039;ll break down the differences between various account types like 401(k)s, IRAs, and HSAs, and explain how each can shield your investments from taxes. Tune in to learn practical strategies for maximizing your returns by minimizing your tax burden.]]>
                                    </description>
                <pubDate>Sat, 14 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8604</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/QA2yYYZPewwonzCt9DxDh4UAhHgYjEThbhsL7L73.mp3"  length="42400544"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Keith Gangl joins to dive into the often-overlooked benefits of investing within tax-advantaged accounts. We&#039;ll break down the differences between various account types like 401(k)s, IRAs, and HSAs, and explain how each can shield your investments from taxes. Tune in to learn practical strategies for maximizing your returns by minimizing your tax burden.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Keith Gangl joins to dive into the often-overlooked benefits of investing within tax-advantaged accounts. We&#039;ll break down the differences between various account types like 401(k)s, IRAs, and HSAs, and explain how each can shield your investments from taxes. Tune in to learn practical strategies for maximizing your returns by minimizing your tax burden.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What is My Retirement Number?]]>
                </title>
                                <description>
                                            <![CDATA[We break down the key factors that influence your personal retirement savings goal. We&#039;ll explore how considering your desired lifestyle, anticipated expenses, and potential income streams can help you pinpoint that crucial number. Tune in to learn practical steps for calculating your own retirement number and building a confident plan for your future.]]>
                                    </description>
                <pubDate>Sat, 31 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8511</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/UptljnhGiEmKKY8nPgN4YrCL2gaL8Hj00kgZRsZB.mp3"  length="47918624"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We break down the key factors that influence your personal retirement savings goal. We&#039;ll explore how considering your desired lifestyle, anticipated expenses, and potential income streams can help you pinpoint that crucial number. Tune in to learn practical steps for calculating your own retirement number and building a confident plan for your future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 31 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We break down the key factors that influence your personal retirement savings goal. We&#039;ll explore how considering your desired lifestyle, anticipated expenses, and potential income streams can help you pinpoint that crucial number. Tune in to learn practical steps for calculating your own retirement number and building a confident plan for your future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Procrastination... The Silent Killer]]>
                </title>
                                <description>
                                            <![CDATA[We discuss the hidden costs of delaying your financial planning. Discover how putting off seemingly small decisions can snowball into significant setbacks for your future. Learn actionable strategies to overcome inertia and start taking control of your money today, not tomorrow.]]>
                                    </description>
                <pubDate>Sat, 24 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8413</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/pZEfgtEYHVY3piDlQonE5lZZITUh9BISt6lr3CMq.mp3"  length="58084448"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We discuss the hidden costs of delaying your financial planning. Discover how putting off seemingly small decisions can snowball into significant setbacks for your future. Learn actionable strategies to overcome inertia and start taking control of your money today, not tomorrow.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 24 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We discuss the hidden costs of delaying your financial planning. Discover how putting off seemingly small decisions can snowball into significant setbacks for your future. Learn actionable strategies to overcome inertia and start taking control of your money today, not tomorrow.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Required Minimum Distributions Explained]]>
                </title>
                                <description>
                                            <![CDATA[Navigating your Required Minimum Distributions (RMDs) can feel like a maze, but we&#039;re here to light the way. This week, we break down exactly what RMDs are, when you need to start taking them from your retirement accounts, and how they&#039;re calculated. We&#039;ll also explore strategies to potentially minimize their impact and make the most of your hard-earned savings in retirement.]]>
                                    </description>
                <pubDate>Sat, 10 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8351</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/K6yIqYk1PgGQP07QrWfPl1e9BE2vBPgA08hOmcgN.mp3"  length="33600992"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Navigating your Required Minimum Distributions (RMDs) can feel like a maze, but we&#039;re here to light the way. This week, we break down exactly what RMDs are, when you need to start taking them from your retirement accounts, and how they&#039;re calculated. We&#039;ll also explore strategies to potentially minimize their impact and make the most of your hard-earned savings in retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 10 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Navigating your Required Minimum Distributions (RMDs) can feel like a maze, but we&#039;re here to light the way. This week, we break down exactly what RMDs are, when you need to start taking them from your retirement accounts, and how they&#039;re calculated. We&#039;ll also explore strategies to potentially minimize their impact and make the most of your hard-earned savings in retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Power of a Back Door Roth IRA]]>
                </title>
                                <description>
                                            <![CDATA[Ready to unlock a powerful retirement savings strategy? This week, we dive deep into the Backdoor Roth IRA, explaining who it&#039;s for and the crucial steps to execute it correctly. Learn how high-income earners can bypass traditional Roth IRA limitations and potentially enjoy tax-free growth in retirement.]]>
                                    </description>
                <pubDate>Sat, 26 Apr 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8305</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/TTJhWeyvTDKVHgAKvp5fLZmhYksFyFDNw3d4ndkf.mp3"  length="37888160"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Ready to unlock a powerful retirement savings strategy? This week, we dive deep into the Backdoor Roth IRA, explaining who it&#039;s for and the crucial steps to execute it correctly. Learn how high-income earners can bypass traditional Roth IRA limitations and potentially enjoy tax-free growth in retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 26 Apr 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Ready to unlock a powerful retirement savings strategy? This week, we dive deep into the Backdoor Roth IRA, explaining who it&#039;s for and the crucial steps to execute it correctly. Learn how high-income earners can bypass traditional Roth IRA limitations and potentially enjoy tax-free growth in retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Odds of Being Positive in the Stock Market]]>
                </title>
                                <description>
                                            <![CDATA[Curious about your chances of stock market gains? This episode of [Podcast Name] dives into the historical probabilities of achieving positive returns across various investment timeframes. We analyze data to reveal how your holding period significantly impacts the odds and discuss strategies for maximizing your likelihood of success in the market.]]>
                                    </description>
                <pubDate>Sat, 12 Apr 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8230</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/Qr3EnRlfX9GtDMgRTGM6FT8jlHmvvRmlTXJPQhQo.mp3"  length="44777120"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Curious about your chances of stock market gains? This episode of [Podcast Name] dives into the historical probabilities of achieving positive returns across various investment timeframes. We analyze data to reveal how your holding period significantly impacts the odds and discuss strategies for maximizing your likelihood of success in the market.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 12 Apr 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Curious about your chances of stock market gains? This episode of [Podcast Name] dives into the historical probabilities of achieving positive returns across various investment timeframes. We analyze data to reveal how your holding period significantly impacts the odds and discuss strategies for maximizing your likelihood of success in the market.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Tarif-fied]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we tackle the current market volatility, the tariffs and what it may mean for you and your finances.]]>
                                    </description>
                <pubDate>Sat, 05 Apr 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8197</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250405-59077-Kirvan.mp3"  length="46127264"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we tackle the current market volatility, the tariffs and what it may mean for you and your finances.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 05 Apr 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we tackle the current market volatility, the tariffs and what it may mean for you and your finances.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Is an Annuity Right for You? with Troy McCrady]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we delve into the complex world of annuities, exploring their potential benefits and drawbacks. Special guest Troy McCrady helps us decipher the various types of annuities and determine if they align with your long-term financial goals. We&#039;ll cut through the jargon and provide clear, actionable insights to help you make informed decisions about your retirement strategy.]]>
                                    </description>
                <pubDate>Sat, 22 Mar 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8130</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250322-59076-Kirvan.mp3"  length="43469600"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we delve into the complex world of annuities, exploring their potential benefits and drawbacks. Special guest Troy McCrady helps us decipher the various types of annuities and determine if they align with your long-term financial goals. We&#039;ll cut through the jargon and provide clear, actionable insights to help you make informed decisions about your retirement strategy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 22 Mar 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we delve into the complex world of annuities, exploring their potential benefits and drawbacks. Special guest Troy McCrady helps us decipher the various types of annuities and determine if they align with your long-term financial goals. We&#039;ll cut through the jargon and provide clear, actionable insights to help you make informed decisions about your retirement strategy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Emotions can KILL your portfolio]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we dissect how fear and greed can lead to disastrous investment decisions, revealing the common emotional traps that sabotage even the most well-laid plans. Discover practical strategies to detach your feelings from your finances and build a resilient portfolio immune to emotional volatility. We explore real-world examples of emotional investing gone wrong, providing actionable steps to cultivate a disciplined and rational approach to market fluctuations.]]>
                                    </description>
                <pubDate>Sat, 15 Mar 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8105</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250315-59075-Kirvan.mp3"  length="43807259"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we dissect how fear and greed can lead to disastrous investment decisions, revealing the common emotional traps that sabotage even the most well-laid plans. Discover practical strategies to detach your feelings from your finances and build a resilient portfolio immune to emotional volatility. We explore real-world examples of emotional investing gone wrong, providing actionable steps to cultivate a disciplined and rational approach to market fluctuations.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 15 Mar 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we dissect how fear and greed can lead to disastrous investment decisions, revealing the common emotional traps that sabotage even the most well-laid plans. Discover practical strategies to detach your feelings from your finances and build a resilient portfolio immune to emotional volatility. We explore real-world examples of emotional investing gone wrong, providing actionable steps to cultivate a disciplined and rational approach to market fluctuations.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Are You Taking Too Much Risk?]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we dissect common portfolio pitfalls that lead to excessive risk, from chasing hot stocks to neglecting diversification. We&#039;ll explore practical strategies for reassessing your risk tolerance and aligning your investments with your long-term financial goals. Learn how to balance potential rewards with the security you need to weather any market storm.]]>
                                    </description>
                <pubDate>Sat, 08 Mar 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8062</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/2503082-59074-Kirvan.mp3"  length="35979296"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we dissect common portfolio pitfalls that lead to excessive risk, from chasing hot stocks to neglecting diversification. We&#039;ll explore practical strategies for reassessing your risk tolerance and aligning your investments with your long-term financial goals. Learn how to balance potential rewards with the security you need to weather any market storm.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[In this episode, we dissect common portfolio pitfalls that lead to excessive risk, from chasing hot stocks to neglecting diversification. We&#039;ll explore practical strategies for reassessing your risk tolerance and aligning your investments with your long-term financial goals. Learn how to balance potential rewards with the security you need to weather any market storm.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Elephant in the Room]]>
                </title>
                                <description>
                                            <![CDATA[On this week&#039;s episode we discuss the importance of estate planning and why it&#039;s so important for everyone. Don&#039;t delay this important task. Join us as we break down the key components of estate planning and offer practical steps you can take today.]]>
                                    </description>
                <pubDate>Sat, 22 Feb 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8004</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250222-59073-Kirvan.mp3"  length="44993120"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On this week&#039;s episode we discuss the importance of estate planning and why it&#039;s so important for everyone. Don&#039;t delay this important task. Join us as we break down the key components of estate planning and offer practical steps you can take today.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 22 Feb 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[On this week&#039;s episode we discuss the importance of estate planning and why it&#039;s so important for everyone. Don&#039;t delay this important task. Join us as we break down the key components of estate planning and offer practical steps you can take today.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Tariff Trouble Ahead with Keith Gangl]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we welcome special guest, Gradient Investments portfolio manager Keith Gangl. We delve into the potential economic fallout of escalating trade tensions. Gangl shares his insights on how tariffs could impact various sectors and offers strategies for investors to navigate this uncertain landscape. Tune in to gain a better understanding of the risks and opportunities that lie ahead.]]>
                                    </description>
                <pubDate>Sat, 08 Feb 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7958</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250208-59072-Kirvan.mp3"  length="48947936"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we welcome special guest, Gradient Investments portfolio manager Keith Gangl. We delve into the potential economic fallout of escalating trade tensions. Gangl shares his insights on how tariffs could impact various sectors and offers strategies for investors to navigate this uncertain landscape. Tune in to gain a better understanding of the risks and opportunities that lie ahead.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[In this episode we welcome special guest, Gradient Investments portfolio manager Keith Gangl. We delve into the potential economic fallout of escalating trade tensions. Gangl shares his insights on how tariffs could impact various sectors and offers strategies for investors to navigate this uncertain landscape. Tune in to gain a better understanding of the risks and opportunities that lie ahead.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Tax Changes for 2025]]>
                </title>
                                <description>
                                            <![CDATA[Get ready for changes to your tax bill! In this episode we break down the major tax law updates taking effect in 2025, from individual deductions to corporate tax rates.  We&#039;ll help you understand how these shifts could impact your finances and what steps you can take now to prepare.]]>
                                    </description>
                <pubDate>Sat, 01 Feb 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7927</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250201-59071-Kirvan.mp3"  length="47629472"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Get ready for changes to your tax bill! In this episode we break down the major tax law updates taking effect in 2025, from individual deductions to corporate tax rates.  We&#039;ll help you understand how these shifts could impact your finances and what steps you can take now to prepare.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 01 Feb 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Get ready for changes to your tax bill! In this episode we break down the major tax law updates taking effect in 2025, from individual deductions to corporate tax rates.  We&#039;ll help you understand how these shifts could impact your finances and what steps you can take now to prepare.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Social Security Fairness Act]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we delve into the intricacies of the Social Security Fairness Act, a proposed legislation aiming to address the rising costs of Social Security. We&#039;ll discuss the key provisions of the bill, including potential changes to benefit calculations, retirement ages, and taxation of benefits. Finally, we&#039;ll analyze the potential impacts of this legislation on current and future retirees, and explore the ongoing debate surrounding its potential benefits and drawbacks.]]>
                                    </description>
                <pubDate>Sat, 25 Jan 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7907</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/25025-59070-Kirvan.mp3"  length="39396128"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we delve into the intricacies of the Social Security Fairness Act, a proposed legislation aiming to address the rising costs of Social Security. We&#039;ll discuss the key provisions of the bill, including potential changes to benefit calculations, retirement ages, and taxation of benefits. Finally, we&#039;ll analyze the potential impacts of this legislation on current and future retirees, and explore the ongoing debate surrounding its potential benefits and drawbacks.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 Jan 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we delve into the intricacies of the Social Security Fairness Act, a proposed legislation aiming to address the rising costs of Social Security. We&#039;ll discuss the key provisions of the bill, including potential changes to benefit calculations, retirement ages, and taxation of benefits. Finally, we&#039;ll analyze the potential impacts of this legislation on current and future retirees, and explore the ongoing debate surrounding its potential benefits and drawbacks.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[From Politics to Taxes, Taking a Look at 2025]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, Rob welcomes special guest and financial advisor, Bill Altman. They dive deep into the political landscape and its potential impact on your finances in 2025. We&#039;ll discuss key tax policies that may change, analyze potential economic shifts, and explore investment strategies to navigate the evolving financial environment. Join us as we look at what to expect in 2025.]]>
                                    </description>
                <pubDate>Sat, 11 Jan 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7866</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250111-59069-Kirvan.mp3"  length="44380039"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, Rob welcomes special guest and financial advisor, Bill Altman. They dive deep into the political landscape and its potential impact on your finances in 2025. We&#039;ll discuss key tax policies that may change, analyze potential economic shifts, and explore investment strategies to navigate the evolving financial environment. Join us as we look at what to expect in 2025.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 11 Jan 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, Rob welcomes special guest and financial advisor, Bill Altman. They dive deep into the political landscape and its potential impact on your finances in 2025. We&#039;ll discuss key tax policies that may change, analyze potential economic shifts, and explore investment strategies to navigate the evolving financial environment. Join us as we look at what to expect in 2025.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Reflections on 2024]]>
                </title>
                                <description>
                                            <![CDATA[As 2024 comes to a close, we take a deep dive into the year’s biggest financial trends and lessons. From market shifts to emerging strategies, this episode provides valuable insights to help advisors and investors prepare for a successful year ahead. Don’t miss this opportunity to reflect, learn, and plan for the future!]]>
                                    </description>
                <pubDate>Sat, 28 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7831</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241228-59068-Kirvan.mp3"  length="36091616"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[As 2024 comes to a close, we take a deep dive into the year’s biggest financial trends and lessons. From market shifts to emerging strategies, this episode provides valuable insights to help advisors and investors prepare for a successful year ahead. Don’t miss this opportunity to reflect, learn, and plan for the future!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 28 Dec 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[As 2024 comes to a close, we take a deep dive into the year’s biggest financial trends and lessons. From market shifts to emerging strategies, this episode provides valuable insights to help advisors and investors prepare for a successful year ahead. Don’t miss this opportunity to reflect, learn, and plan for the future!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Favorite Christmas Movies and the Lessons We&#039;ve Learned]]>
                </title>
                                <description>
                                            <![CDATA[In this very special and fun episode, we talk about our favorite Christmas movies along with financial and life lessons.]]>
                                    </description>
                <pubDate>Sat, 21 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7805</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241221-59067-Kirvan.mp3"  length="36433760"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this very special and fun episode, we talk about our favorite Christmas movies along with financial and life lessons.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Dec 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this very special and fun episode, we talk about our favorite Christmas movies along with financial and life lessons.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Avoiding Financial Fraud]]>
                </title>
                                <description>
                                            <![CDATA[Rob welcomes very special guest, Tim Madden, a Detective with the Naperville Police Financial Crimes unit. They discuss financial crimes and what to look out for.]]>
                                    </description>
                <pubDate>Sat, 14 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7778</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241214-59066-Kirvan.mp3"  length="47619680"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Rob welcomes very special guest, Tim Madden, a Detective with the Naperville Police Financial Crimes unit. They discuss financial crimes and what to look out for.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Dec 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Rob welcomes very special guest, Tim Madden, a Detective with the Naperville Police Financial Crimes unit. They discuss financial crimes and what to look out for.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Do&#039;s and Don&#039;ts at Thanksgiving Gatherings]]>
                </title>
                                <description>
                                            <![CDATA[We&#039;ve got a fun one for you! In this episode we talk about the top dos and don&#039;ts for Thanksgiving gatherings, from what to bring to how to handle tricky family dynamics. Tune in to ensure a stress-free and enjoyable Thanksgiving for everyone!]]>
                                    </description>
                <pubDate>Sat, 07 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7754</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241123-59064-Kirvan.mp3"  length="46211360"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We&#039;ve got a fun one for you! In this episode we talk about the top dos and don&#039;ts for Thanksgiving gatherings, from what to bring to how to handle tricky family dynamics. Tune in to ensure a stress-free and enjoyable Thanksgiving for everyone!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 07 Dec 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We&#039;ve got a fun one for you! In this episode we talk about the top dos and don&#039;ts for Thanksgiving gatherings, from what to bring to how to handle tricky family dynamics. Tune in to ensure a stress-free and enjoyable Thanksgiving for everyone!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Update with Mike Binger]]>
                </title>
                                <description>
                                            <![CDATA[Join us for a deep dive into the current market landscape with Mike Binger, president of Gradient Investments. Mike will share his expert insights on recent market trends, potential investment opportunities, and strategies to navigate through economic uncertainty. Tune in to gain valuable knowledge and actionable advice to protect and grow your wealth.]]>
                                    </description>
                <pubDate>Sat, 23 Nov 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7716</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241207-59065-Kirvan.mp3"  length="40659296"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Join us for a deep dive into the current market landscape with Mike Binger, president of Gradient Investments. Mike will share his expert insights on recent market trends, potential investment opportunities, and strategies to navigate through economic uncertainty. Tune in to gain valuable knowledge and actionable advice to protect and grow your wealth.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 23 Nov 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Join us for a deep dive into the current market landscape with Mike Binger, president of Gradient Investments. Mike will share his expert insights on recent market trends, potential investment opportunities, and strategies to navigate through economic uncertainty. Tune in to gain valuable knowledge and actionable advice to protect and grow your wealth.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Accumulation vs. Distribution]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we delve into the key differences between the accumulation and distribution phases of your financial journey. We&#039;ll discuss how to effectively save and invest during your working years to build a solid financial foundation. Then, we&#039;ll explore strategies for managing your wealth in retirement to ensure a comfortable and secure future.]]>
                                    </description>
                <pubDate>Sat, 09 Nov 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7656</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241109-59063-Kirvan.mp3"  length="38058656"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we delve into the key differences between the accumulation and distribution phases of your financial journey. We&#039;ll discuss how to effectively save and invest during your working years to build a solid financial foundation. Then, we&#039;ll explore strategies for managing your wealth in retirement to ensure a comfortable and secure future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 09 Nov 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we delve into the key differences between the accumulation and distribution phases of your financial journey. We&#039;ll discuss how to effectively save and invest during your working years to build a solid financial foundation. Then, we&#039;ll explore strategies for managing your wealth in retirement to ensure a comfortable and secure future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Update with Jeremy Bryan]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we sit down with Jeremy Bryan, a seasoned Senior Portfolio Manager, to delve into the world of portfolio management and investing strategies. Jeremy shares his insights on diversifying investments, risk management, and the importance of a long-term investment horizon. Tune in to learn how you can build a robust investment portfolio that aligns with your financial goals.]]>
                                    </description>
                <pubDate>Sat, 02 Nov 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7631</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241102-59062-Kirvan.mp3"  length="63304160"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we sit down with Jeremy Bryan, a seasoned Senior Portfolio Manager, to delve into the world of portfolio management and investing strategies. Jeremy shares his insights on diversifying investments, risk management, and the importance of a long-term investment horizon. Tune in to learn how you can build a robust investment portfolio that aligns with your financial goals.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 02 Nov 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we sit down with Jeremy Bryan, a seasoned Senior Portfolio Manager, to delve into the world of portfolio management and investing strategies. Jeremy shares his insights on diversifying investments, risk management, and the importance of a long-term investment horizon. Tune in to learn how you can build a robust investment portfolio that aligns with your financial goals.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Who Can You Trust? Finding a Financial Partner]]>
                </title>
                                <description>
                                            <![CDATA[Navigating the complex world of personal finance can be daunting. In this episode, we delve into the importance of finding a trusted financial advisor. We&#039;ll discuss key questions to ask potential advisors, red flags to watch out for, and how to build a long-lasting, fruitful partnership.]]>
                                    </description>
                <pubDate>Sat, 12 Oct 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7576</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241026-59061-Kirvan.mp3"  length="37228640"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Navigating the complex world of personal finance can be daunting. In this episode, we delve into the importance of finding a trusted financial advisor. We&#039;ll discuss key questions to ask potential advisors, red flags to watch out for, and how to build a long-lasting, fruitful partnership.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 12 Oct 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Navigating the complex world of personal finance can be daunting. In this episode, we delve into the importance of finding a trusted financial advisor. We&#039;ll discuss key questions to ask potential advisors, red flags to watch out for, and how to build a long-lasting, fruitful partnership.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Importance of Reviewing Your Beneficiaries]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we delve into the critical importance of regularly reviewing your beneficiaries. Discover why it&#039;s essential to update your beneficiary designations to reflect life changes, such as marriage, divorce, or the birth of children. Learn about the potential consequences of outdated beneficiaries and how to ensure your assets are distributed according to your wishes.]]>
                                    </description>
                <pubDate>Sat, 05 Oct 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7543</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241005-59060-Kirvan.mp3"  length="42472544"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we delve into the critical importance of regularly reviewing your beneficiaries. Discover why it&#039;s essential to update your beneficiary designations to reflect life changes, such as marriage, divorce, or the birth of children. Learn about the potential consequences of outdated beneficiaries and how to ensure your assets are distributed according to your wishes.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 05 Oct 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we delve into the critical importance of regularly reviewing your beneficiaries. Discover why it&#039;s essential to update your beneficiary designations to reflect life changes, such as marriage, divorce, or the birth of children. Learn about the potential consequences of outdated beneficiaries and how to ensure your assets are distributed according to your wishes.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Medicare with Maribeth]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we delve into the complexities of Medicare planning. Discover how to navigate the various Medicare options, understand the enrollment deadlines, and learn strategies to optimize your coverage while minimizing costs. Join us as we break down the Medicare landscape and help you make informed decisions for your retirement years.]]>
                                    </description>
                <pubDate>Sat, 28 Sep 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7524</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240928-59059-Kirvan.mp3"  length="68044064"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we delve into the complexities of Medicare planning. Discover how to navigate the various Medicare options, understand the enrollment deadlines, and learn strategies to optimize your coverage while minimizing costs. Join us as we break down the Medicare landscape and help you make informed decisions for your retirement years.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 28 Sep 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we delve into the complexities of Medicare planning. Discover how to navigate the various Medicare options, understand the enrollment deadlines, and learn strategies to optimize your coverage while minimizing costs. Join us as we break down the Medicare landscape and help you make informed decisions for your retirement years.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Cal&#039;s Angels and Pediatric Cancer with Stacey Wahlberg]]>
                </title>
                                <description>
                                            <![CDATA[Rob welcomes Stacey Wahlberg, president of Cal&#039;s Angels. They educate the public about the realities of pediatric cancer, helping to foster greater understanding and support for affected children and their families. Join us in spreading the word and making a difference in the fight against pediatric cancer!]]>
                                    </description>
                <pubDate>Sat, 21 Sep 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7504</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240921-59058-Kirvan.mp3"  length="61110176"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Rob welcomes Stacey Wahlberg, president of Cal&#039;s Angels. They educate the public about the realities of pediatric cancer, helping to foster greater understanding and support for affected children and their families. Join us in spreading the word and making a difference in the fight against pediatric cancer!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Sep 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Rob welcomes Stacey Wahlberg, president of Cal&#039;s Angels. They educate the public about the realities of pediatric cancer, helping to foster greater understanding and support for affected children and their families. Join us in spreading the word and making a difference in the fight against pediatric cancer!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Elections and Your Portfolio - Myth vs. Reality]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we debunk the common myths surrounding the impact of elections on your investments. Discover how political events actually influence the market and learn strategies to navigate potential volatility. Join us as we separate fact from fiction and help you make informed financial decisions during election seasons.]]>
                                    </description>
                <pubDate>Sat, 07 Sep 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7444</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240907-59057-Kirvan.mp3"  length="49799264"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we debunk the common myths surrounding the impact of elections on your investments. Discover how political events actually influence the market and learn strategies to navigate potential volatility. Join us as we separate fact from fiction and help you make informed financial decisions during election seasons.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 07 Sep 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we debunk the common myths surrounding the impact of elections on your investments. Discover how political events actually influence the market and learn strategies to navigate potential volatility. Join us as we separate fact from fiction and help you make informed financial decisions during election seasons.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Life After Work]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, discover essential strategies to ensure a comfortable and fulfilling life after work. From calculating your retirement savings needs to diversifying your investments, we&#039;ll provide actionable insights to help you achieve your financial goals.]]>
                                    </description>
                <pubDate>Sat, 24 Aug 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7398</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240824-59056-Kirvan.mp3"  length="39123250"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, discover essential strategies to ensure a comfortable and fulfilling life after work. From calculating your retirement savings needs to diversifying your investments, we&#039;ll provide actionable insights to help you achieve your financial goals.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 24 Aug 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, discover essential strategies to ensure a comfortable and fulfilling life after work. From calculating your retirement savings needs to diversifying your investments, we&#039;ll provide actionable insights to help you achieve your financial goals.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The 9 Biggest Regrets of Retirees]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we dive into the top nine regrets commonly expressed by those in retirement. From saving habits to spending decisions, we&#039;ll uncover valuable lessons to help you avoid these pitfalls and create a more secure financial future. Armed with this knowledge, you can confidently navigate your retirement journey and make the most of your golden years.]]>
                                    </description>
                <pubDate>Sat, 17 Aug 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7369</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240817-59055-Kirvan.mp3"  length="57511904"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we dive into the top nine regrets commonly expressed by those in retirement. From saving habits to spending decisions, we&#039;ll uncover valuable lessons to help you avoid these pitfalls and create a more secure financial future. Armed with this knowledge, you can confidently navigate your retirement journey and make the most of your golden years.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 17 Aug 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we dive into the top nine regrets commonly expressed by those in retirement. From saving habits to spending decisions, we&#039;ll uncover valuable lessons to help you avoid these pitfalls and create a more secure financial future. Armed with this knowledge, you can confidently navigate your retirement journey and make the most of your golden years.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Panic Isn&#039;t an Investment Plan]]>
                </title>
                                <description>
                                            <![CDATA[Financial markets can be volatile, but impulsive decisions based on fear are rarely profitable. In this episode, we dissect the psychology behind panic selling and explore proven strategies to stay calm and focused during market downturns. Learn how to create a resilient investment plan that can weather any storm.]]>
                                    </description>
                <pubDate>Sat, 10 Aug 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7350</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240810-59054-Kirvan.mp3"  length="39335648"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Financial markets can be volatile, but impulsive decisions based on fear are rarely profitable. In this episode, we dissect the psychology behind panic selling and explore proven strategies to stay calm and focused during market downturns. Learn how to create a resilient investment plan that can weather any storm.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 10 Aug 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Financial markets can be volatile, but impulsive decisions based on fear are rarely profitable. In this episode, we dissect the psychology behind panic selling and explore proven strategies to stay calm and focused during market downturns. Learn how to create a resilient investment plan that can weather any storm.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What to do When a Loved One Dies]]>
                </title>
                                <description>
                                            <![CDATA[Losing a loved one is a difficult experience, both emotionally and financially. This episode provides essential guidance on navigating the complex financial and estate landscape after a death. We&#039;ll cover crucial steps like locating important documents, understanding probate, and making informed decisions about assets, debts, and taxes.]]>
                                    </description>
                <pubDate>Sat, 27 Jul 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7308</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240727-59053-Kirvan.mp3"  length="44885408"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Losing a loved one is a difficult experience, both emotionally and financially. This episode provides essential guidance on navigating the complex financial and estate landscape after a death. We&#039;ll cover crucial steps like locating important documents, understanding probate, and making informed decisions about assets, debts, and taxes.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 27 Jul 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Losing a loved one is a difficult experience, both emotionally and financially. This episode provides essential guidance on navigating the complex financial and estate landscape after a death. We&#039;ll cover crucial steps like locating important documents, understanding probate, and making informed decisions about assets, debts, and taxes.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Update with Mike Binger]]>
                </title>
                                <description>
                                            <![CDATA[Buckle up for a deep dive into the current market climate!  This episode features Mike Binger, President of Gradient Investments, who breaks down recent trends and offers expert insights on where your money should be headed. Don&#039;t miss this chance to get ahead of the curve to help you make informed financial decisions.]]>
                                    </description>
                <pubDate>Sat, 20 Jul 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7286</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240720-59052-Kirvan.mp3"  length="41056736"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Buckle up for a deep dive into the current market climate!  This episode features Mike Binger, President of Gradient Investments, who breaks down recent trends and offers expert insights on where your money should be headed. Don&#039;t miss this chance to get ahead of the curve to help you make informed financial decisions.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 20 Jul 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Buckle up for a deep dive into the current market climate!  This episode features Mike Binger, President of Gradient Investments, who breaks down recent trends and offers expert insights on where your money should be headed. Don&#039;t miss this chance to get ahead of the curve to help you make informed financial decisions.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Your Retirement Calendar]]>
                </title>
                                <description>
                                            <![CDATA[Don&#039;t wing it! In this episode we break down a step-by-step plan to map out your ideal retirement timeline, from maximizing your savings now to navigating Social Security and beyond.  Get ready to turn your retirement dreams into a clear and actionable roadmap.]]>
                                    </description>
                <pubDate>Sat, 01 Jun 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7131</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240615-59051-Kirvan.mp3"  length="51925280"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Don&#039;t wing it! In this episode we break down a step-by-step plan to map out your ideal retirement timeline, from maximizing your savings now to navigating Social Security and beyond.  Get ready to turn your retirement dreams into a clear and actionable roadmap.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 01 Jun 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Don&#039;t wing it! In this episode we break down a step-by-step plan to map out your ideal retirement timeline, from maximizing your savings now to navigating Social Security and beyond.  Get ready to turn your retirement dreams into a clear and actionable roadmap.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Crypto Craze]]>
                </title>
                                <description>
                                            <![CDATA[We explore the risks and possible rewards of crypto currency, and unpack what it means for the future of cryptocurrency.  Join us as we decipher the Crypto Craze!]]>
                                    </description>
                <pubDate>Sat, 25 May 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7113</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240601-59050-Kirvan.mp3"  length="42029024"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We explore the risks and possible rewards of crypto currency, and unpack what it means for the future of cryptocurrency.  Join us as we decipher the Crypto Craze!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 May 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We explore the risks and possible rewards of crypto currency, and unpack what it means for the future of cryptocurrency.  Join us as we decipher the Crypto Craze!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Much Money Do I Need to Retire?]]>
                </title>
                                <description>
                                            <![CDATA[Feeling lost about retirement savings? This episode tackles the age-old question: how much money do you REALLY need? We&#039;ll explore different factors affecting your retirement nest egg, from lifestyle goals to healthcare costs. Tune in for actionable tips to get you on track for a financially secure future.]]>
                                    </description>
                <pubDate>Sat, 18 May 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7086</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240525-59049-Kirvan.mp3"  length="36275360"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Feeling lost about retirement savings? This episode tackles the age-old question: how much money do you REALLY need? We&#039;ll explore different factors affecting your retirement nest egg, from lifestyle goals to healthcare costs. Tune in for actionable tips to get you on track for a financially secure future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 18 May 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Feeling lost about retirement savings? This episode tackles the age-old question: how much money do you REALLY need? We&#039;ll explore different factors affecting your retirement nest egg, from lifestyle goals to healthcare costs. Tune in for actionable tips to get you on track for a financially secure future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What&#039;s Your Legacy? with Jay Guerin]]>
                </title>
                                <description>
                                            <![CDATA[In this episode Rob welcomes back Jay Guerin president of Gradient Life Brokerage to discuss how to insure your legacy.]]>
                                    </description>
                <pubDate>Sat, 11 May 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7050</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240511-59048-Kirvan.mp3"  length="44289824"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode Rob welcomes back Jay Guerin president of Gradient Life Brokerage to discuss how to insure your legacy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 11 May 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode Rob welcomes back Jay Guerin president of Gradient Life Brokerage to discuss how to insure your legacy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Life Insurance Strategies with Jay Guerin]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we explore the world of life insurance. We&#039;ll break down the different types of policies, discuss how to determine your coverage needs, and explore strategies to maximize your benefit while keeping costs manageable. Tune in and learn how life insurance can be a valuable tool to protect your loved ones&#039; financial future.]]>
                                    </description>
                <pubDate>Sat, 04 May 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7021</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240504-59047-Kirvan.mp3"  length="47820128"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we explore the world of life insurance. We&#039;ll break down the different types of policies, discuss how to determine your coverage needs, and explore strategies to maximize your benefit while keeping costs manageable. Tune in and learn how life insurance can be a valuable tool to protect your loved ones&#039; financial future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 04 May 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we explore the world of life insurance. We&#039;ll break down the different types of policies, discuss how to determine your coverage needs, and explore strategies to maximize your benefit while keeping costs manageable. Tune in and learn how life insurance can be a valuable tool to protect your loved ones&#039; financial future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Inflation Nation]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we break down the effects of inflation, from its impact on your grocery bill to how it affects your investments, the markets and long-term savings. Join us for tips on managing your finances in an inflationary environment.]]>
                                    </description>
                <pubDate>Sat, 27 Apr 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6998</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240427-59046-Kirvan.mp3"  length="40045856"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we break down the effects of inflation, from its impact on your grocery bill to how it affects your investments, the markets and long-term savings. Join us for tips on managing your finances in an inflationary environment.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 27 Apr 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we break down the effects of inflation, from its impact on your grocery bill to how it affects your investments, the markets and long-term savings. Join us for tips on managing your finances in an inflationary environment.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Maximize Your Social Security]]>
                </title>
                                <description>
                                            <![CDATA[This episode dives into Social Security optimization. We&#039;ll explore how to work the system for bigger checks, from maximizing your working years to strategically delaying benefits. Tune in and learn how to get the most out of your retirement income.]]>
                                    </description>
                <pubDate>Sat, 20 Apr 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6972</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240420-59045-Kirvan.mp3"  length="42319904"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode dives into Social Security optimization. We&#039;ll explore how to work the system for bigger checks, from maximizing your working years to strategically delaying benefits. Tune in and learn how to get the most out of your retirement income.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 20 Apr 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode dives into Social Security optimization. We&#039;ll explore how to work the system for bigger checks, from maximizing your working years to strategically delaying benefits. Tune in and learn how to get the most out of your retirement income.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[All About Roth IRAs]]>
                </title>
                                <description>
                                            <![CDATA[Tune in to today&#039;s episode, &quot;All About Roth IRAs&quot;! We&#039;ll break down the benefits of Roth IRAs, like tax-free growth and withdrawals in retirement. We&#039;ll also discuss eligibility requirements and contribution limits so you can decide if a Roth IRA is the right fit for your financial goals.]]>
                                    </description>
                <pubDate>Sat, 06 Apr 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6935</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240406-59044-Kirvan.mp3"  length="42667808"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Tune in to today&#039;s episode, &quot;All About Roth IRAs&quot;! We&#039;ll break down the benefits of Roth IRAs, like tax-free growth and withdrawals in retirement. We&#039;ll also discuss eligibility requirements and contribution limits so you can decide if a Roth IRA is the right fit for your financial goals.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 06 Apr 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Tune in to today&#039;s episode, &quot;All About Roth IRAs&quot;! We&#039;ll break down the benefits of Roth IRAs, like tax-free growth and withdrawals in retirement. We&#039;ll also discuss eligibility requirements and contribution limits so you can decide if a Roth IRA is the right fit for your financial goals.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Oldie-Wed Game!]]>
                </title>
                                <description>
                                            <![CDATA[In this very fun episode, Rob welcomes his wife and business partner, Natalie Kirvan to the show! We play our own version of the Newlywed Game where Rob and Natalie have to answer questions about each other.]]>
                                    </description>
                <pubDate>Sat, 30 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6903</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240330-59043-Kirvan.mp3"  length="47837408"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this very fun episode, Rob welcomes his wife and business partner, Natalie Kirvan to the show! We play our own version of the Newlywed Game where Rob and Natalie have to answer questions about each other.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 30 Mar 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this very fun episode, Rob welcomes his wife and business partner, Natalie Kirvan to the show! We play our own version of the Newlywed Game where Rob and Natalie have to answer questions about each other.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Income Security with Special Guest Troy McCrady]]>
                </title>
                                <description>
                                            <![CDATA[This episode dives into securing your golden years. We welcome special guest Troy McCrady from Gradient Financial to talk about tips to help fortify your nest egg and achieve financial peace of mind in retirement.]]>
                                    </description>
                <pubDate>Sat, 23 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6876</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240323-59042-Kirvan.mp3"  length="49339616"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode dives into securing your golden years. We welcome special guest Troy McCrady from Gradient Financial to talk about tips to help fortify your nest egg and achieve financial peace of mind in retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 23 Mar 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode dives into securing your golden years. We welcome special guest Troy McCrady from Gradient Financial to talk about tips to help fortify your nest egg and achieve financial peace of mind in retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Update with Keith Gangl]]>
                </title>
                                <description>
                                            <![CDATA[Having a strategy in place to handle and uncertain market and economy is important. In this episode we welcome Gradient Investments Portfolio Manager Keith Gangl to talk about where the markets are at, where we might be headed and the various investment options that available.]]>
                                    </description>
                <pubDate>Sat, 16 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6856</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240316-59041-Kirvan.mp3"  length="46971680"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </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 Portfolio Manager Keith Gangl 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">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 16 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 Portfolio Manager Keith Gangl 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[Elections and Your Portfolio]]>
                </title>
                                <description>
                                            <![CDATA[Wondering how the upcoming election might impact your investments? In this episode, we&#039;ll explore the historical performance of the market during elections, discuss strategies to manage emotional reactions, and emphasize the importance of a long-term investment plan. Tune in and gain confidence navigating your portfolio through election season.]]>
                                    </description>
                <pubDate>Sat, 09 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6826</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240309-59040-Kirvan.mp3"  length="35945888"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Wondering how the upcoming election might impact your investments? In this episode, we&#039;ll explore the historical performance of the market during elections, discuss strategies to manage emotional reactions, and emphasize the importance of a long-term investment plan. Tune in and gain confidence navigating your portfolio through election season.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 09 Mar 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Wondering how the upcoming election might impact your investments? In this episode, we&#039;ll explore the historical performance of the market during elections, discuss strategies to manage emotional reactions, and emphasize the importance of a long-term investment plan. Tune in and gain confidence navigating your portfolio through election season.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Studio Kick-off]]>
                </title>
                                <description>
                                            <![CDATA[Welcome to the new and improved Ready Aim Retire show! Now on video on YouTube and as always available as a podcast on all the major podcast sites. In this episode Rob shows off his new studio and offices and talks about all the new topics and guests that will be featured in upcoming episodes.]]>
                                    </description>
                <pubDate>Sat, 02 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6798</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240302-59039-Kirvan.mp3"  length="38915168"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Welcome to the new and improved Ready Aim Retire show! Now on video on YouTube and as always available as a podcast on all the major podcast sites. In this episode Rob shows off his new studio and offices and talks about all the new topics and guests that will be featured in upcoming episodes.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 02 Mar 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Welcome to the new and improved Ready Aim Retire show! Now on video on YouTube and as always available as a podcast on all the major podcast sites. In this episode Rob shows off his new studio and offices and talks about all the new topics and guests that will be featured in upcoming episodes.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Longevity Risk]]>
                </title>
                                <description>
                                            <![CDATA[The good news is, we&#039;re living longer...the bad news is, we&#039;re living longer! You need to have a financial plan that takes into account longevity. The longer you live, the better your financial plan will need to be. We talk about this and more in this episode.]]>
                                    </description>
                <pubDate>Sat, 04 Nov 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6405</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231104-59037-Kirvan.mp3"  length="31273376"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The good news is, we&#039;re living longer...the bad news is, we&#039;re living longer! You need to have a financial plan that takes into account longevity. The longer you live, the better your financial plan will need to be. We talk about this and more in this episode.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 04 Nov 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The good news is, we&#039;re living longer...the bad news is, we&#039;re living longer! You need to have a financial plan that takes into account longevity. The longer you live, the better your financial plan will need to be. We talk about this and more in this episode.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Pay Attention to Risk]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we talk about financial risk and how it can affect you and your money. Rob also reveals what he&#039;s handing out for Halloween this year...you have to hear it to believe it!]]>
                                    </description>
                <pubDate>Sat, 28 Oct 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6379</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231028-59038-Kirvan.mp3"  length="34368800"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we talk about financial risk and how it can affect you and your money. Rob also reveals what he&#039;s handing out for Halloween this year...you have to hear it to believe it!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 28 Oct 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we talk about financial risk and how it can affect you and your money. Rob also reveals what he&#039;s handing out for Halloween this year...you have to hear it to believe it!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security Update]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we talk about the new COLA (Cost Of Living Adjustment) for Social Security and other changes and financial information you need to be aware of.]]>
                                    </description>
                <pubDate>Sat, 21 Oct 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6353</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231021-59036-Kirvan.mp3"  length="21710624"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we talk about the new COLA (Cost Of Living Adjustment) for Social Security and other changes and financial information you need to be aware of.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Oct 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we talk about the new COLA (Cost Of Living Adjustment) for Social Security and other changes and financial information you need to be aware of.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Third Quarter Review]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we take a look at what happened with the market, our economy and finances in the Third Quarter and look at where we might be headed.]]>
                                    </description>
                <pubDate>Sat, 14 Oct 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6332</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231014-59035-Kirvan.mp3"  length="38363360"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we take a look at what happened with the market, our economy and finances in the Third Quarter and look at where we might be headed.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Oct 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we take a look at what happened with the market, our economy and finances in the Third Quarter and look at where we might be headed.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Patience with Investing]]>
                </title>
                                <description>
                                            <![CDATA[Investing can be tricky, especially if you let your emotions dictate your decisions. In this episode we talk about the benefits of using patience with investing and working with a financial professional.]]>
                                    </description>
                <pubDate>Sat, 30 Sep 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6281</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230930-59034-Kirvan.mp3"  length="35244320"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Investing can be tricky, especially if you let your emotions dictate your decisions. In this episode we talk about the benefits of using patience with investing and working with a financial professional.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 30 Sep 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Investing can be tricky, especially if you let your emotions dictate your decisions. In this episode we talk about the benefits of using patience with investing and working with a financial professional.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Are You Ready to Retire?]]>
                </title>
                                <description>
                                            <![CDATA[How do you know if you are ready to retire? We go over the key questions you need to ask and other ways to know when you can retire.]]>
                                    </description>
                <pubDate>Sat, 23 Sep 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6253</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230923-59033-Kirvan.mp3"  length="40168544"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How do you know if you are ready to retire? We go over the key questions you need to ask and other ways to know when you can retire.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 23 Sep 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How do you know if you are ready to retire? We go over the key questions you need to ask and other ways to know when you can retire.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Planning for the Loss of a Spouse]]>
                </title>
                                <description>
                                            <![CDATA[This is a tough topic but an important one. All couples need to have a financial plan in place in case of the loss of a spouse. We go over a checklist of what you need to know and do.]]>
                                    </description>
                <pubDate>Sat, 02 Sep 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6183</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230902-59032-Kirvan.mp3"  length="35195936"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This is a tough topic but an important one. All couples need to have a financial plan in place in case of the loss of a spouse. We go over a checklist of what you need to know and do.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 02 Sep 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This is a tough topic but an important one. All couples need to have a financial plan in place in case of the loss of a spouse. We go over a checklist of what you need to know and do.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[4th Quarter Financial Outlook]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we discuss what&#039;s happening with the market and the economy and what to expect during the 4th quarter.]]>
                                    </description>
                <pubDate>Sat, 26 Aug 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6159</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230826-59031-Kirvan.mp3"  length="34300997"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we discuss what&#039;s happening with the market and the economy and what to expect during the 4th quarter.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 26 Aug 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we discuss what&#039;s happening with the market and the economy and what to expect during the 4th quarter.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Interest Rates, Inflation and the Current Economy]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we look at where we are at with inflation and interest rates and what&#039;s happening with the current economy.]]>
                                    </description>
                <pubDate>Sat, 19 Aug 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6132</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230819-59030-Kirvan.mp3"  length="35308832"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we look at where we are at with inflation and interest rates and what&#039;s happening with the current economy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 19 Aug 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we look at where we are at with inflation and interest rates and what&#039;s happening with the current economy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[TD Ameritrade Conversion to Schwab]]>
                </title>
                                <description>
                                            <![CDATA[In this episode Rob welcomes special guest Becky Willenbring, the Director of Operations for Gradient Investments, to talk about the conversion from TD Ameritrade to Schwab.]]>
                                    </description>
                <pubDate>Sat, 22 Jul 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6029</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230722-59029-Kirvan.mp3"  length="39658784"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode Rob welcomes special guest Becky Willenbring, the Director of Operations for Gradient Investments, to talk about the conversion from TD Ameritrade to Schwab.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 22 Jul 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode Rob welcomes special guest Becky Willenbring, the Director of Operations for Gradient Investments, to talk about the conversion from TD Ameritrade to Schwab.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[2023 First Half Review]]>
                </title>
                                <description>
                                            <![CDATA[In this show we look at the year so far, from markets to financial news and more.]]>
                                    </description>
                <pubDate>Sat, 08 Jul 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5987</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230708-59028-Kirvan.mp3"  length="37733216"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this show we look at the year so far, from markets to financial news and more.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 08 Jul 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this show we look at the year so far, from markets to financial news and more.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Bank Stress Test]]>
                </title>
                                <description>
                                            <![CDATA[The official report on the solvency of the major banks in the U.S. was just released. In this episode we talk about why this is important and what the results might mean for you.]]>
                                    </description>
                <pubDate>Sat, 01 Jul 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5968</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230701-59027-Kirvan.mp3"  length="32419040"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The official report on the solvency of the major banks in the U.S. was just released. In this episode we talk about why this is important and what the results might mean for you.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 01 Jul 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The official report on the solvency of the major banks in the U.S. was just released. In this episode we talk about why this is important and what the results might mean for you.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[TD Ameritrade -Schwab Merger]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we talk about TD Ameritrade - Schwab merger and what it means for you and your investments.]]>
                                    </description>
                <pubDate>Sat, 17 Jun 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5917</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230617-59026-Kirvan.mp3"  length="32065952"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we talk about TD Ameritrade - Schwab merger and what it means for you and your investments.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 17 Jun 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we talk about TD Ameritrade - Schwab merger and what it means for you and your investments.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Where The Markets Are At vs. Where Your Money Is At]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we go over where the markets are at, where they may be headed and how it may affect you.]]>
                                    </description>
                <pubDate>Sat, 10 Jun 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5888</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230610-59025-Kirvan.mp3"  length="33137312"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we go over where the markets are at, where they may be headed and how it may affect you.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 10 Jun 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we go over where the markets are at, where they may be headed and how it may affect you.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Tilt Portfolio]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we talk about the Tilt Portfolio. We explain what it is and how it works.]]>
                                    </description>
                <pubDate>Sat, 03 Jun 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5859</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230527-59024-Kirvan.mp3"  length="30752096"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we talk about the Tilt Portfolio. We explain what it is and how it works.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 03 Jun 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we talk about the Tilt Portfolio. We explain what it is and how it works.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Diversification - Why Work With An Advisor?]]>
                </title>
                                <description>
                                            <![CDATA[In this podcast episode, we explore the importance of working with a financial services professional, shedding light on the invaluable role they play in guiding individuals through intricate financial terrain, offering tailored expertise, unbiased recommendations, and empowering individuals to make informed decisions to attain their long-term goals. Tune in as we uncover the advantages of collaborating with a financial services professional and how their strategic insights can pave the path to financial well-being and success.]]>
                                    </description>
                <pubDate>Sat, 20 May 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5812</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230520-59023-Kirvan.mp3"  length="33737504"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this podcast episode, we explore the importance of working with a financial services professional, shedding light on the invaluable role they play in guiding individuals through intricate financial terrain, offering tailored expertise, unbiased recommendations, and empowering individuals to make informed decisions to attain their long-term goals. Tune in as we uncover the advantages of collaborating with a financial services professional and how their strategic insights can pave the path to financial well-being and success.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 20 May 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this podcast episode, we explore the importance of working with a financial services professional, shedding light on the invaluable role they play in guiding individuals through intricate financial terrain, offering tailored expertise, unbiased recommendations, and empowering individuals to make informed decisions to attain their long-term goals. Tune in as we uncover the advantages of collaborating with a financial services professional and how their strategic insights can pave the path to financial well-being and success.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Debt Ceiling]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we look at the debt ceiling debate and how it might affect your finances.]]>
                                    </description>
                <pubDate>Sat, 13 May 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5778</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230513-59022-Kirvan.mp3"  length="28907168"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we look at the debt ceiling debate and how it might affect your finances.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 13 May 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we look at the debt ceiling debate and how it might affect your finances.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Annuities with Troy McCrady]]>
                </title>
                                <description>
                                            <![CDATA[Troy McCrady from Gradient Annuity Brokerage joins the show to go over what annuities are and what their benefits can be especially in a volatile market.]]>
                                    </description>
                <pubDate>Sat, 29 Apr 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5730</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230429-59021-Kirvan.mp3"  length="42197216"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Troy McCrady from Gradient Annuity Brokerage joins the show to go over what annuities are and what their benefits can be especially in a volatile market.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 29 Apr 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Troy McCrady from Gradient Annuity Brokerage joins the show to go over what annuities are and what their benefits can be especially in a volatile market.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Tax Planning for the Future]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we talk about about looking ahead to help minimize your tax burden.]]>
                                    </description>
                <pubDate>Sat, 22 Apr 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5701</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230422-59020-Kirvan.mp3"  length="31642016"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we talk about about looking ahead to help minimize your tax burden.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 22 Apr 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we talk about about looking ahead to help minimize your tax burden.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Enhanced Planning and Insurance with Jay Guerin]]>
                </title>
                                <description>
                                            <![CDATA[Join us as we welcome special guest Jay Guerin, the President of Gradient Insurance Brokerage, to talk about insurance and enhanced planning.]]>
                                    </description>
                <pubDate>Sat, 15 Apr 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5678</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230415-59019-Kirvan.mp3"  length="51292256"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Join us as we welcome special guest Jay Guerin, the President of Gradient Insurance Brokerage, to talk about insurance and enhanced planning.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 15 Apr 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Join us as we welcome special guest Jay Guerin, the President of Gradient Insurance Brokerage, to talk about insurance and enhanced planning.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[1st Quarter Financial Review]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we look at where we finished financially for the first quarter and what it means for the future.]]>
                                    </description>
                <pubDate>Sat, 08 Apr 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5647</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230408-59018-Kirvan.mp3"  length="32055584"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we look at where we finished financially for the first quarter and what it means for the future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 08 Apr 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we look at where we finished financially for the first quarter and what it means for the future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Inflation Update - What You Need to Know]]>
                </title>
                                <description>
                                            <![CDATA[In this week&#039;s show we discuss the current inflation situation, where it might be headed, and what to do with your finances.]]>
                                    </description>
                <pubDate>Sat, 01 Apr 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5623</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230401-59017-Kirvan.mp3"  length="34901600"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this week&#039;s show we discuss the current inflation situation, where it might be headed, and what to do with your finances.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 01 Apr 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this week&#039;s show we discuss the current inflation situation, where it might be headed, and what to do with your finances.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Fed Decision Day]]>
                </title>
                                <description>
                                            <![CDATA[What happens when the Federal Reserve raises interest rates? How does it affect the banking crisis, the markets and your savings? We talk about all that and more on today&#039;s show.]]>
                                    </description>
                <pubDate>Sat, 25 Mar 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5599</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230325-59016-Kirvan.mp3"  length="39084512"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What happens when the Federal Reserve raises interest rates? How does it affect the banking crisis, the markets and your savings? We talk about all that and more on today&#039;s show.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 Mar 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What happens when the Federal Reserve raises interest rates? How does it affect the banking crisis, the markets and your savings? We talk about all that and more on today&#039;s show.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Silicon Valley Bank Update]]>
                </title>
                                <description>
                                            <![CDATA[Silicon Valley Bank has failed. What does that mean for you? Join us as we welcome Jeremy Bryan from Gradient Investements, LLC to give us an idea of what this bank failure means for the general public.]]>
                                    </description>
                <pubDate>Sat, 18 Mar 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5575</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230318-59015-Kirvan.mp3"  length="50088992"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Silicon Valley Bank has failed. What does that mean for you? Join us as we welcome Jeremy Bryan from Gradient Investements, LLC to give us an idea of what this bank failure means for the general public.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 18 Mar 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Silicon Valley Bank has failed. What does that mean for you? Join us as we welcome Jeremy Bryan from Gradient Investements, LLC to give us an idea of what this bank failure means for the general public.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Wills vs. Trusts]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we discuss the difference between wills and trusts and why you need to understand both.]]>
                                    </description>
                <pubDate>Sat, 11 Mar 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5554</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230311-59014-Kirvan.mp3"  length="30484832"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we discuss the difference between wills and trusts and why you need to understand both.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 11 Mar 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we discuss the difference between wills and trusts and why you need to understand both.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Enhanced Planning]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we are going to talk about enhanced planning. This is the planning you do beyond wealth management. Some of you may refer to it as estate planning or advanced planning. We talk about how to protect your legacy and preserve family harmony.]]>
                                    </description>
                <pubDate>Sat, 04 Mar 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5530</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230304-59013-Kirvan.mp3"  length="33803744"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we are going to talk about enhanced planning. This is the planning you do beyond wealth management. Some of you may refer to it as estate planning or advanced planning. We talk about how to protect your legacy and preserve family harmony.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 04 Mar 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we are going to talk about enhanced planning. This is the planning you do beyond wealth management. Some of you may refer to it as estate planning or advanced planning. We talk about how to protect your legacy and preserve family harmony.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What to know about the SECURE 2.0 Act]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to breakdown the federal SECURE 2.0 Act, which may have major implications for millions of retirees.]]>
                                    </description>
                <pubDate>Sat, 25 Feb 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5498</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230225-3353-Kirvan.mp3"  length="36699872"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to breakdown the federal SECURE 2.0 Act, which may have major implications for millions of retirees.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 Feb 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to breakdown the federal SECURE 2.0 Act, which may have major implications for millions of retirees.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Update with Michael Binger]]>
                </title>
                                <description>
                                            <![CDATA[Rob has the president of Gradient Investments, Michael Binger, on the show to go over where the market it, his projections on what it is going to do, and also goes over the inflation numbers that were released and how those may affect the market.]]>
                                    </description>
                <pubDate>Sat, 18 Feb 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5483</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230218-59012-Kirvan.mp3"  length="36570272"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Rob has the president of Gradient Investments, Michael Binger, on the show to go over where the market it, his projections on what it is going to do, and also goes over the inflation numbers that were released and how those may affect the market.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 18 Feb 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Rob has the president of Gradient Investments, Michael Binger, on the show to go over where the market it, his projections on what it is going to do, and also goes over the inflation numbers that were released and how those may affect the market.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Ready, Aim, Retire!]]>
                </title>
                                <description>
                                            <![CDATA[We&#039;re back! In this all new episode Rob talks about work, family and financial investments to help prepare you for retirement.]]>
                                    </description>
                <pubDate>Sat, 11 Feb 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5461</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230211-59011-Kirvan.mp3"  length="31758368"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We&#039;re back! In this all new episode Rob talks about work, family and financial investments to help prepare you for retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 11 Feb 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We&#039;re back! In this all new episode Rob talks about work, family and financial investments to help prepare you for retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Breaking down the Biden tax plan]]>
                </title>
                                <description>
                                            <![CDATA[We examine some of the most significant elements of the Biden tax plan proposal and what some of its details may mean for your financial strategy in both the near term and the long term.]]>
                                    </description>
                <pubDate>Sat, 15 May 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3464</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210515-3266-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We examine some of the most significant elements of the Biden tax plan proposal and what some of its details may mean for your financial strategy in both the near term and the long term.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 15 May 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We examine some of the most significant elements of the Biden tax plan proposal and what some of its details may mean for your financial strategy in both the near term and the long term.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Markets, Interest Rates, and Financial Concerns]]>
                </title>
                                <description>
                                            <![CDATA[In this episode Rob talks about the top 3 financial concerns and building a strategy to deal with them.]]>
                                    </description>
                <pubDate>Sat, 08 May 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3438</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210508-59010-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode Rob talks about the top 3 financial concerns and building a strategy to deal with them.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 08 May 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode Rob talks about the top 3 financial concerns and building a strategy to deal with them.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Surprising Retirement Facts You Probably Don’t Know]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to illuminate some potentially surprising facts and figures about retirement. And, to make things a little more fun, we’re going to intersperse some fascinating facts about some of our most beloved movies.]]>
                                    </description>
                <pubDate>Sat, 01 May 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3412</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210501-3264-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to illuminate some potentially surprising facts and figures about retirement. And, to make things a little more fun, we’re going to intersperse some fascinating facts about some of our most beloved movies.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 01 May 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to illuminate some potentially surprising facts and figures about retirement. And, to make things a little more fun, we’re going to intersperse some fascinating facts about some of our most beloved movies.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Protect Your Finances from Recessions]]>
                </title>
                                <description>
                                            <![CDATA[When the economy is in flux, you may be able to reduce your stress and increase your peace of mind by following steps that may position you to better protect your finances so you can weather the conditions.]]>
                                    </description>
                <pubDate>Sat, 30 May 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2319</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200530-3220-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When the economy is in flux, you may be able to reduce your stress and increase your peace of mind by following steps that may position you to better protect your finances so you can weather the conditions.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 30 May 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When the economy is in flux, you may be able to reduce your stress and increase your peace of mind by following steps that may position you to better protect your finances so you can weather the conditions.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Benefits and Drawbacks of Annuities]]>
                </title>
                                <description>
                                            <![CDATA[Annuities can provide a steady stream of retirement income if utilized properly. Find out about different types of annuities, how they work and how/when they may be part of a financial strategy.]]>
                                    </description>
                <pubDate>Sat, 23 May 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2308</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200523-3215-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Annuities can provide a steady stream of retirement income if utilized properly. Find out about different types of annuities, how they work and how/when they may be part of a financial strategy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 23 May 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Annuities can provide a steady stream of retirement income if utilized properly. Find out about different types of annuities, how they work and how/when they may be part of a financial strategy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What to Do Instead of Worrying about COVID-19]]>
                </title>
                                <description>
                                            <![CDATA[The coronavirus disease has dominated the news cycle for the past few weeks and it’s not going away. Instead of letting that get you down, here are some things you can do to respond and prepare your retirement strategy.]]>
                                    </description>
                <pubDate>Sat, 25 Apr 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2224</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200425-3213-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The coronavirus disease has dominated the news cycle for the past few weeks and it’s not going away. Instead of letting that get you down, here are some things you can do to respond and prepare your retirement strategy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 Apr 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The coronavirus disease has dominated the news cycle for the past few weeks and it’s not going away. Instead of letting that get you down, here are some things you can do to respond and prepare your retirement strategy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Update with Michael Binger]]>
                </title>
                                <description>
                                            <![CDATA[The markets have been bouncing around like a ping-pong ball. All that volatility and the current climate makes it important to understand what is happening and where your finances are at. In this episode Rob welcomes Mike Binger, the president of Gradient Investments to talk about where we are at and were we might be headed.]]>
                                    </description>
                <pubDate>Sat, 18 Apr 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2201</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200418-59009-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The markets have been bouncing around like a ping-pong ball. All that volatility and the current climate makes it important to understand what is happening and where your finances are at. In this episode Rob welcomes Mike Binger, the president of Gradient Investments to talk about where we are at and were we might be headed.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 18 Apr 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The markets have been bouncing around like a ping-pong ball. All that volatility and the current climate makes it important to understand what is happening and where your finances are at. In this episode Rob welcomes Mike Binger, the president of Gradient Investments to talk about where we are at and were we might be headed.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Update - Corona Madness]]>
                </title>
                                <description>
                                            <![CDATA[The markets are volatile and there are a lot of questions because of the Coronavirus. In this episode Rob looks at what has been happening with the markets and what you can do to help your retirement accounts and investments.]]>
                                    </description>
                <pubDate>Mon, 30 Mar 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2149</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200328-59008-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The markets are volatile and there are a lot of questions because of the Coronavirus. In this episode Rob looks at what has been happening with the markets and what you can do to help your retirement accounts and investments.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Mon, 30 Mar 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The markets are volatile and there are a lot of questions because of the Coronavirus. In this episode Rob looks at what has been happening with the markets and what you can do to help your retirement accounts and investments.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Eight Obstacles to Retirement]]>
                </title>
                                <description>
                                            <![CDATA[The retirement you’ve been dreaming about is possible, if you’re prepared. This episode of Financially Tuned concisely addresses the Eight Obstacles of Retirement: income, life expectancy, taxes, market downturns, rising inflation, Medicare, long-term care and losing your spouse.]]>
                                    </description>
                <pubDate>Sat, 21 Mar 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2114</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200321-3207-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The retirement you’ve been dreaming about is possible, if you’re prepared. This episode of Financially Tuned concisely addresses the Eight Obstacles of Retirement: income, life expectancy, taxes, market downturns, rising inflation, Medicare, long-term care and losing your spouse.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Mar 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The retirement you’ve been dreaming about is possible, if you’re prepared. This episode of Financially Tuned concisely addresses the Eight Obstacles of Retirement: income, life expectancy, taxes, market downturns, rising inflation, Medicare, long-term care and losing your spouse.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Measuring Your Reaction to Market Volatility]]>
                </title>
                                <description>
                                            <![CDATA[Kiplinger and Personal Capital recently teamed up on a poll to see how Americans react to market volatility. How do you stack up?]]>
                                    </description>
                <pubDate>Sat, 14 Mar 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2098</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200314-3205-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Kiplinger and Personal Capital recently teamed up on a poll to see how Americans react to market volatility. How do you stack up?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Mar 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Kiplinger and Personal Capital recently teamed up on a poll to see how Americans react to market volatility. How do you stack up?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The SECURE Act: Changes to IRAs]]>
                </title>
                                <description>
                                            <![CDATA[Congress is proposing some big changes to Independent Retirement Accounts. What are some of these changes? How might they impact you? What is a Stretch IRA and how does it function? This episodes looks at all of these questions and more.]]>
                                    </description>
                <pubDate>Sat, 07 Mar 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2084</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200307-3185-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Congress is proposing some big changes to Independent Retirement Accounts. What are some of these changes? How might they impact you? What is a Stretch IRA and how does it function? This episodes looks at all of these questions and more.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Congress is proposing some big changes to Independent Retirement Accounts. What are some of these changes? How might they impact you? What is a Stretch IRA and how does it function? This episodes looks at all of these questions and more.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Danger of Financial Assumptions]]>
                </title>
                                <description>
                                            <![CDATA[It can be a dangerous choice to make assumptions when it comes to money, retirement and investing. This episode looks at some false retirement assumptions as well as some things you may assume you know about what happens when the Federal Reserve cuts interest rates.]]>
                                    </description>
                <pubDate>Sat, 25 Jan 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1960</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200118-3188-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[It can be a dangerous choice to make assumptions when it comes to money, retirement and investing. This episode looks at some false retirement assumptions as well as some things you may assume you know about what happens when the Federal Reserve cuts interest rates.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 Jan 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[It can be a dangerous choice to make assumptions when it comes to money, retirement and investing. This episode looks at some false retirement assumptions as well as some things you may assume you know about what happens when the Federal Reserve cuts interest rates.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Watch with Michael Binger]]>
                </title>
                                <description>
                                            <![CDATA[In this episode Rob Kirvan welcomes special guest Michael Binger, president of Gradient Investments, who can be seen and heard frequently on CNBC and Fox Business News. Rob and Michael talk about markets and investing, where we&#039;ve been and where things might be headed over the next year.]]>
                                    </description>
                <pubDate>Sat, 11 Jan 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1930</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191228-59007-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode Rob Kirvan welcomes special guest Michael Binger, president of Gradient Investments, who can be seen and heard frequently on CNBC and Fox Business News. Rob and Michael talk about markets and investing, where we&#039;ve been and where things might be headed over the next year.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[In this episode Rob Kirvan welcomes special guest Michael Binger, president of Gradient Investments, who can be seen and heard frequently on CNBC and Fox Business News. Rob and Michael talk about markets and investing, where we&#039;ve been and where things might be headed over the next year.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Prepare to Board the Flight]]>
                </title>
                                <description>
                                            <![CDATA[You need to be prepared to make it through security and make your flight on time these days. You also need to make sure you&#039;re prepared for all of the financial changes you will have to face. In this show we discuss those changes and strategies to help you deal with them.]]>
                                    </description>
                <pubDate>Sat, 21 Dec 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1891</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191221-3124-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[You need to be prepared to make it through security and make your flight on time these days. You also need to make sure you&#039;re prepared for all of the financial changes you will have to face. In this show we discuss those changes and strategies to help you deal with them.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[You need to be prepared to make it through security and make your flight on time these days. You also need to make sure you&#039;re prepared for all of the financial changes you will have to face. In this show we discuss those changes and strategies to help you deal with them.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Working With an Advisor, What to Expect]]>
                </title>
                                <description>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </description>
                <pubDate>Sat, 14 Dec 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1878</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191214-3102-2-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Dec 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Smishing and Wishing]]>
                </title>
                                <description>
                                            <![CDATA[Smishing is a new challenge and attack on your financial information. Wishing without action can be a challenge and detriment to your financial future. This episode looks at each of these and provides some potential actions you may take to keep your financial future secure.]]>
                                    </description>
                <pubDate>Sat, 07 Dec 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1855</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191207-3184-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Smishing is a new challenge and attack on your financial information. Wishing without action can be a challenge and detriment to your financial future. This episode looks at each of these and provides some potential actions you may take to keep your financial future secure.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Smishing is a new challenge and attack on your financial information. Wishing without action can be a challenge and detriment to your financial future. This episode looks at each of these and provides some potential actions you may take to keep your financial future secure.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Cost of Financial Procrastination]]>
                </title>
                                <description>
                                            <![CDATA[This episode examines some of the biggest dangers of putting off creating a financial strategy for retirement, including budgeting, long-term care and sharing your financial story with your beneficiaries.]]>
                                    </description>
                <pubDate>Sat, 30 Nov 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1847</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191130-3163-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode examines some of the biggest dangers of putting off creating a financial strategy for retirement, including budgeting, long-term care and sharing your financial story with your beneficiaries.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 30 Nov 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode examines some of the biggest dangers of putting off creating a financial strategy for retirement, including budgeting, long-term care and sharing your financial story with your beneficiaries.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Watch and Update]]>
                </title>
                                <description>
                                            <![CDATA[In this episode Rob welcomes his special guest, Keith Gangl, Portfolio Manager at Gradient Investments. They discuss the current state of the market, where it&#039;s been this year and where it might be headed in the future.]]>
                                    </description>
                <pubDate>Sat, 23 Nov 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1826</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191123-59006-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode Rob welcomes his special guest, Keith Gangl, Portfolio Manager at Gradient Investments. They discuss the current state of the market, where it&#039;s been this year and where it might be headed in the future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[In this episode Rob welcomes his special guest, Keith Gangl, Portfolio Manager at Gradient Investments. They discuss the current state of the market, where it&#039;s been this year and where it might be headed in the future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Mistakes and Questions]]>
                </title>
                                <description>
                                            <![CDATA[401(k) plans are one of the most common retirement products. But what are they really? What are some common mistakes to avoid? And what even is a 403(b) and how is it different?! This episode examines the ins and outs of 401(k)s.]]>
                                    </description>
                <pubDate>Sat, 16 Nov 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1816</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191116-3179-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[401(k) plans are one of the most common retirement products. But what are they really? What are some common mistakes to avoid? And what even is a 403(b) and how is it different?! This episode examines the ins and outs of 401(k)s.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[401(k) plans are one of the most common retirement products. But what are they really? What are some common mistakes to avoid? And what even is a 403(b) and how is it different?! This episode examines the ins and outs of 401(k)s.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Renting VS Owning in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[There are many things to consider when looking at housing options in retirement. Will you stay in your current home? Will you buy a new home or condo? Or is renting better for your situation? This episode examines some of the options.]]>
                                    </description>
                <pubDate>Sat, 09 Nov 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1798</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191109-3178-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There are many things to consider when looking at housing options in retirement. Will you stay in your current home? Will you buy a new home or condo? Or is renting better for your situation? This episode examines some of the options.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[There are many things to consider when looking at housing options in retirement. Will you stay in your current home? Will you buy a new home or condo? Or is renting better for your situation? This episode examines some of the options.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Tips to Help Create Your Retirement Strategy]]>
                </title>
                                <description>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </description>
                <pubDate>Sat, 02 Mar 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1265</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190302-3109-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 02 Mar 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Celebrities Legacy Planning Mistakes]]>
                </title>
                                <description>
                                            <![CDATA[Not getting around to legacy planning can have long-term ramifications. We are going to look at some celebrities who made legacy planning mistakes that had long-term ramifications for their heirs.]]>
                                    </description>
                <pubDate>Sat, 23 Feb 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1253</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190223-3139-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Not getting around to legacy planning can have long-term ramifications. We are going to look at some celebrities who made legacy planning mistakes that had long-term ramifications for their heirs.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Not getting around to legacy planning can have long-term ramifications. We are going to look at some celebrities who made legacy planning mistakes that had long-term ramifications for their heirs.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Tips for the New Year]]>
                </title>
                                <description>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </description>
                <pubDate>Sat, 26 Jan 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1202</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190126-3089-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 26 Jan 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Milestones]]>
                </title>
                                <description>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </description>
                <pubDate>Wed, 19 Dec 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1147</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181215-3081-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Wed, 19 Dec 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[7 Retirement Myths]]>
                </title>
                                <description>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </description>
                <pubDate>Sat, 17 Nov 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1080</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181117-3097-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Working With an Advisor, What to Expect]]>
                </title>
                                <description>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </description>
                <pubDate>Sat, 10 Nov 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1067</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181110-3102-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Is Your Retirement Prepared for a Bear Market?]]>
                </title>
                                <description>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </description>
                <pubDate>Sat, 27 Oct 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1041</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181027-3110-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Rumors to Ignore]]>
                </title>
                                <description>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </description>
                <pubDate>Sat, 29 Sep 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-977</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180929-3103-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Rookie Retirement Mistakes]]>
                </title>
                                <description>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </description>
                <pubDate>Sat, 22 Sep 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-962</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180922-3098-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Update with Guest Michael Binger]]>
                </title>
                                <description>
                                            <![CDATA[Get the latest on what the market has been doing and insight as to where it might be going. In this show Rob welcomes Gradient Investments Sr. Portfolio Manager, Michael Binger.]]>
                                    </description>
                <pubDate>Sat, 15 Sep 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-948</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180915-59004-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Get the latest on what the market has been doing and insight as to where it might be going. In this show Rob welcomes Gradient Investments Sr. Portfolio Manager, Michael Binger.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Get the latest on what the market has been doing and insight as to where it might be going. In this show Rob welcomes Gradient Investments Sr. Portfolio Manager, Michael Binger.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[8 Must-Know Social Security Rules]]>
                </title>
                                <description>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </description>
                <pubDate>Sat, 08 Sep 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-937</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180908-3100-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement, You Can Afford It!]]>
                </title>
                                <description>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </description>
                <pubDate>Sat, 01 Sep 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-919</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180901-3082-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Costs of Financial Procrastination]]>
                </title>
                                <description>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </description>
                <pubDate>Sat, 25 Aug 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-911</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180825-3108-Kirvan.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Patrick Kirvan]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Patrick Kirvan</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
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