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    <channel>
        <title>
            <![CDATA[Wealth Talk with Gary Garrison]]>
        </title>
        <link>http://apwealthmanagement.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.]]>
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            <title>
                <![CDATA[Wealth Talk with Gary Garrison]]>
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            <link>http://apwealthmanagement.com</link>
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                    <itunes:author>
                <![CDATA[Justin Garrison]]>
            </itunes:author>
                <itunes:owner>
            <itunes:name>
                <![CDATA[Justin Garrison]]>
            </itunes:name>
            <itunes:email>radio@lusonmedia.com</itunes:email>
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        <dc:creator>
            <![CDATA[Justin Garrison]]>
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                    <item>
                <title>
                    <![CDATA[Avoid These Spooky Retirement Mistakes]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’re going to walk through some of the most frightful retirement mistakes and how you can avoid them.]]>
                                    </description>
                <pubDate>Sun, 26 Oct 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9209</guid>

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

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[During this show, we’re going to walk through some of the most frightful retirement mistakes and how you can avoid them.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Flexible Protection for a Healthy Retirement]]>
                </title>
                                <description>
                                            <![CDATA[During today’s show, we’re going to address the concept of flexible protection for a health retirement which for some people may be a way to secure the money they need for long-term care services while also protecting their assets.]]>
                                    </description>
                <pubDate>Sun, 05 Oct 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9095</guid>

                
                
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                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During today’s show, we’re going to address the concept of flexible protection for a health retirement which for some people may be a way to secure the money they need for long-term care services while also protecting their assets.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[During today’s show, we’re going to address the concept of flexible protection for a health retirement which for some people may be a way to secure the money they need for long-term care services while also protecting their assets.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[When You&#039;re Ready to Roll Over Your 401(k)]]>
                </title>
                                <description>
                                            <![CDATA[This episode provides a clear, step-by-step guide for those contemplating a 401(k) rollover. We&#039;ll demystify the process, from understanding your options to avoiding common pitfalls and potential tax implications. Tune in to learn how to seamlessly move your retirement savings to a new account, ensuring your money continues to work for you.]]>
                                    </description>
                <pubDate>Sun, 28 Sep 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9049</guid>

                
                
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                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode provides a clear, step-by-step guide for those contemplating a 401(k) rollover. We&#039;ll demystify the process, from understanding your options to avoiding common pitfalls and potential tax implications. Tune in to learn how to seamlessly move your retirement savings to a new account, ensuring your money continues to work for you.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[This episode provides a clear, step-by-step guide for those contemplating a 401(k) rollover. We&#039;ll demystify the process, from understanding your options to avoiding common pitfalls and potential tax implications. Tune in to learn how to seamlessly move your retirement savings to a new account, ensuring your money continues to work for you.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Three Retirement Windows]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll examine retirement steps when you’re 10 years, five years, and one year from retirement.]]>
                                    </description>
                <pubDate>Sun, 24 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8176</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250330-3452-Garrison.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll examine retirement steps when you’re 10 years, five years, and one year from retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll examine retirement steps when you’re 10 years, five years, and one year from retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Flexible Protection for a Healthy Retirement]]>
                </title>
                                <description>
                                            <![CDATA[During today’s show, we’re going to address the concept of flexible protection for a healthy retirement which for some people may be a way to secure the money they need for long-term care services while also helping protect  their assets.]]>
                                    </description>
                <pubDate>Sun, 03 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8787</guid>

                
                
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                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During today’s show, we’re going to address the concept of flexible protection for a healthy retirement which for some people may be a way to secure the money they need for long-term care services while also helping protect  their assets.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 03 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During today’s show, we’re going to address the concept of flexible protection for a healthy retirement which for some people may be a way to secure the money they need for long-term care services while also helping protect  their assets.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[So, You Want to Retire Soon?]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’re going to consider steps you can take right now to prepare yourself for a near-horizon retirement.]]>
                                    </description>
                <pubDate>Sun, 20 Jul 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8735</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/2N2VtdmXoluRBdFaHxQOraUOxWaEVSDm4A2FvVAD.mp3"  length="43005340"  type="audio/mpeg" />

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

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[During this show, we’re going to consider steps you can take right now to prepare yourself for a near-horizon retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Yes, you need an estate plan]]>
                </title>
                                <description>
                                            <![CDATA[This episode underscores the fundamental importance of having an estate plan in place, regardless of your age or net worth. We delve into the essential components of an estate plan, such as wills, trusts, and powers of attorney, explaining how they protect your assets and ensure your wishes are honored. Learn why proactive estate planning provides peace of mind and safeguards your loved ones from unnecessary legal and financial burdens in the future.]]>
                                    </description>
                <pubDate>Sat, 12 Jul 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8300</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/nIZp8dMaqCMWInksgP6CYvfhicDnQZFF2NSFKVkX.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode underscores the fundamental importance of having an estate plan in place, regardless of your age or net worth. We delve into the essential components of an estate plan, such as wills, trusts, and powers of attorney, explaining how they protect your assets and ensure your wishes are honored. Learn why proactive estate planning provides peace of mind and safeguards your loved ones from unnecessary legal and financial burdens in the future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[This episode underscores the fundamental importance of having an estate plan in place, regardless of your age or net worth. We delve into the essential components of an estate plan, such as wills, trusts, and powers of attorney, explaining how they protect your assets and ensure your wishes are honored. Learn why proactive estate planning provides peace of mind and safeguards your loved ones from unnecessary legal and financial burdens in the future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What You Need to Know]]>
                </title>
                                <description>
                                            <![CDATA[During this show we’re going to take a close look at annuities, particularly their pros and cons.]]>
                                    </description>
                <pubDate>Sun, 29 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8646</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/mMXiq9NEj9xroOTefmsjbkthDqYLBOWRKnw65Qoc.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show we’re going to take a close look at annuities, particularly their pros and cons.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[During this show we’re going to take a close look at annuities, particularly their pros and cons.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Cautions During the Israel-Iran Conflict]]>
                </title>
                                <description>
                                            <![CDATA[This episode addresses the immediate and potential long-term financial implications of the ongoing Israel-Iran conflict. We&#039;ll explore how this geopolitical tension impacts global markets, from oil prices and inflation to stock market volatility and safe-haven asset performance. Tune in to understand the risks and opportunities for your investments during these uncertain times, and learn strategies for maintaining financial resilience.]]>
                                    </description>
                <pubDate>Sun, 22 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8620</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ip9FooNVTLRg0HUUd9fwiV2WglXWBLjAjswxCco7.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode addresses the immediate and potential long-term financial implications of the ongoing Israel-Iran conflict. We&#039;ll explore how this geopolitical tension impacts global markets, from oil prices and inflation to stock market volatility and safe-haven asset performance. Tune in to understand the risks and opportunities for your investments during these uncertain times, and learn strategies for maintaining financial resilience.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 22 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode addresses the immediate and potential long-term financial implications of the ongoing Israel-Iran conflict. We&#039;ll explore how this geopolitical tension impacts global markets, from oil prices and inflation to stock market volatility and safe-haven asset performance. Tune in to understand the risks and opportunities for your investments during these uncertain times, and learn strategies for maintaining financial resilience.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[401(k) Rollover Mistakes to Avoid]]>
                </title>
                                <description>
                                            <![CDATA[This episode dives into the most common pitfalls people encounter during this crucial financial move. Learn how to sidestep costly errors like missed deadlines, tax missteps, and poor investment choices to ensure a smooth and successful transition for your retirement savings.]]>
                                    </description>
                <pubDate>Sun, 15 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8595</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/xMaNnv1TttKeeLTDiCqLSRWXCNIiJ855ufGCSS0L.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode dives into the most common pitfalls people encounter during this crucial financial move. Learn how to sidestep costly errors like missed deadlines, tax missteps, and poor investment choices to ensure a smooth and successful transition for your retirement savings.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[This episode dives into the most common pitfalls people encounter during this crucial financial move. Learn how to sidestep costly errors like missed deadlines, tax missteps, and poor investment choices to ensure a smooth and successful transition for your retirement savings.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The 2025 Medicare Picture]]>
                </title>
                                <description>
                                            <![CDATA[During today’s show, we’ll discuss Medicare’s 2025 cost increases and more!]]>
                                    </description>
                <pubDate>Sun, 08 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8529</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/d8D6yVZPDzvEmzFBfHAQ1eedtGxq4yVkJS8ANptg.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During today’s show, we’ll discuss Medicare’s 2025 cost increases and more!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[During today’s show, we’ll discuss Medicare’s 2025 cost increases and more!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Rollover or Stay Put?]]>
                </title>
                                <description>
                                            <![CDATA[Confused about whether to roll over your 401(k) or keep it where it is? In this episode, we break down the pros and cons of both options. Learn about tax implications, investment choices, and how to make the best decision for your financial future.]]>
                                    </description>
                <pubDate>Sun, 01 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7717</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241124-3435-Garrison.mp3"  length="42961568"  type="audio/mpeg" />

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

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Confused about whether to roll over your 401(k) or keep it where it is? In this episode, we break down the pros and cons of both options. Learn about tax implications, investment choices, and how to make the best decision for your financial future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Yes, you need an estate plan]]>
                </title>
                                <description>
                                            <![CDATA[During this episode we’re going to consider the building blocks of an estate plan as well as common estate planning mistakes.]]>
                                    </description>
                <pubDate>Sun, 18 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8148</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250323-3455-Garrison.mp3"  length="43990880"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode we’re going to consider the building blocks of an estate plan as well as common estate planning mistakes.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[During this episode we’re going to consider the building blocks of an estate plan as well as common estate planning mistakes.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Your Retirement To-Do&#039;s]]>
                </title>
                                <description>
                                            <![CDATA[On this episode, we discuss the key elements of a 10-year retirement checklist.]]>
                                    </description>
                <pubDate>Sat, 10 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8338</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/zU7Gmnadn5CAZlgYsa0cyK7JmQUyxfZ5Tf2QgzvI.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On this episode, we discuss the key elements of a 10-year retirement checklist.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[On this episode, we discuss the key elements of a 10-year retirement checklist.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial News: Hot off the Presses]]>
                </title>
                                <description>
                                            <![CDATA[During this episode we’re going to discuss the two hottest current financial news stories: The tariffs, the market downturns, and it&#039;s affect on your 401(k).]]>
                                    </description>
                <pubDate>Sun, 13 Apr 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8217</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/j7sJrTBGCcWs2yVaztrTZvuF2nNGtvoCoGvmltrI.mp3"  length="46817312"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode we’re going to discuss the two hottest current financial news stories: The tariffs, the market downturns, and it&#039;s affect on your 401(k).]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[During this episode we’re going to discuss the two hottest current financial news stories: The tariffs, the market downturns, and it&#039;s affect on your 401(k).]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Your Retirement Targets]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll consider if you should plan to live to 95, five steps retirement steps, and building a retirement budget.]]>
                                    </description>
                <pubDate>Sun, 06 Apr 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8207</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250406-3461-Garrison.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll consider if you should plan to live to 95, five steps retirement steps, and building a retirement budget.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll consider if you should plan to live to 95, five steps retirement steps, and building a retirement budget.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[8 Signs You’re Ready to Retire]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll discuss eight signs that could tell you that you’re ready to retire as well as traits that lead to more retirement savings.]]>
                                    </description>
                <pubDate>Sun, 16 Mar 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8111</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250315-3450-Garrison.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll discuss eight signs that could tell you that you’re ready to retire as well as traits that lead to more retirement savings.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll discuss eight signs that could tell you that you’re ready to retire as well as traits that lead to more retirement savings.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Women’s Retirement Planning Needs]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll examine and discuss retirement steps that are unique to women.]]>
                                    </description>
                <pubDate>Sun, 02 Mar 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8044</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250302-3398-Garrison.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll examine and discuss retirement steps that are unique to women.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll examine and discuss retirement steps that are unique to women.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security in 2025]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll discuss things you need to know about Social Security in 2025 as well as some of the lesser-known services that Social Security provides.]]>
                                    </description>
                <pubDate>Sun, 02 Feb 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7940</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250201-3447-Garrison.mp3"  length="45430304"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll discuss things you need to know about Social Security in 2025 as well as some of the lesser-known services that Social Security provides.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll discuss things you need to know about Social Security in 2025 as well as some of the lesser-known services that Social Security provides.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Navigating Your IRA_401K with a New President in Office]]>
                </title>
                                <description>
                                            <![CDATA[A new president brings potential changes to tax laws and economic policies, which can significantly impact your retirement savings. In this episode, we&#039;ll explore how a new administration&#039;s policies could affect your IRA and 401(k) contributions, withdrawals, and overall investment strategies. We&#039;ll provide actionable advice on how to navigate these potential changes and ensure your retirement plan remains on track.]]>
                                    </description>
                <pubDate>Sun, 26 Jan 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8569</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/fcnLeq9RL9iG0sJRfq6F35OOugt9nA2mxv1tIU3V.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[A new president brings potential changes to tax laws and economic policies, which can significantly impact your retirement savings. In this episode, we&#039;ll explore how a new administration&#039;s policies could affect your IRA and 401(k) contributions, withdrawals, and overall investment strategies. We&#039;ll provide actionable advice on how to navigate these potential changes and ensure your retirement plan remains on track.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[A new president brings potential changes to tax laws and economic policies, which can significantly impact your retirement savings. In this episode, we&#039;ll explore how a new administration&#039;s policies could affect your IRA and 401(k) contributions, withdrawals, and overall investment strategies. We&#039;ll provide actionable advice on how to navigate these potential changes and ensure your retirement plan remains on track.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Ways to Protect Against Long-Term Care Costs]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we delve into the often-overlooked but crucial topic of long-term care costs. We&#039;ll explore the various options available to protect your assets and ensure you receive the care you need in the future. From customizable hybrid insurance to innovative financial strategies, we&#039;ll provide you with the knowledge and insights to make informed decisions about your long-term care planning.]]>
                                    </description>
                <pubDate>Sun, 19 Jan 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8568</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/BcLv9cLlTHlK1O0xVplEdyT8rAxcWwLYCwW53Dc6.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we delve into the often-overlooked but crucial topic of long-term care costs. We&#039;ll explore the various options available to protect your assets and ensure you receive the care you need in the future. From customizable hybrid insurance to innovative financial strategies, we&#039;ll provide you with the knowledge and insights to make informed decisions about your long-term care planning.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[In this episode, we delve into the often-overlooked but crucial topic of long-term care costs. We&#039;ll explore the various options available to protect your assets and ensure you receive the care you need in the future. From customizable hybrid insurance to innovative financial strategies, we&#039;ll provide you with the knowledge and insights to make informed decisions about your long-term care planning.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Account Rollovers and Conversions]]>
                </title>
                                <description>
                                            <![CDATA[This episode dives deep into the world of account rollovers and conversions. We&#039;ll explore the different types of accounts, the tax implications of each, and provide actionable advice on how to navigate the complexities of transferring your retirement savings. Whether you&#039;re changing jobs, consolidating accounts, or simply looking to optimize your investment strategy, this episode will equip you with the knowledge you need to make informed decisions about your financial future.]]>
                                    </description>
                <pubDate>Sun, 12 Jan 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8567</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/N4erob33MecvmkyZweDTWyZecBlnyH1wTQFkFnMz.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode dives deep into the world of account rollovers and conversions. We&#039;ll explore the different types of accounts, the tax implications of each, and provide actionable advice on how to navigate the complexities of transferring your retirement savings. Whether you&#039;re changing jobs, consolidating accounts, or simply looking to optimize your investment strategy, this episode will equip you with the knowledge you need to make informed decisions about your financial future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[This episode dives deep into the world of account rollovers and conversions. We&#039;ll explore the different types of accounts, the tax implications of each, and provide actionable advice on how to navigate the complexities of transferring your retirement savings. Whether you&#039;re changing jobs, consolidating accounts, or simply looking to optimize your investment strategy, this episode will equip you with the knowledge you need to make informed decisions about your financial future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why now is the time to consider adding Annuities to your tool belt!]]>
                </title>
                                <description>
                                            <![CDATA[Why now is the time to consider adding Annuities to your tool belt!]]>
                                    </description>
                <pubDate>Sun, 22 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8566</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/D2PmC5Vxd9ciLTOrt46uu4OOj8daSKOUrJYFYaIw.mp3"  length="41812479"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Why now is the time to consider adding Annuities to your tool belt!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Why now is the time to consider adding Annuities to your tool belt!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Add These to Your Anti-Bucket List]]>
                </title>
                                <description>
                                            <![CDATA[On this show, we’re going to discuss items you’ll want to include on your retirement anti-bucket list and will also look at some of the things that often get overlooked during retirement planning.]]>
                                    </description>
                <pubDate>Sun, 15 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7800</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241215-3446-Garrison.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On this show, we’re going to discuss items you’ll want to include on your retirement anti-bucket list and will also look at some of the things that often get overlooked during retirement planning.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[On this show, we’re going to discuss items you’ll want to include on your retirement anti-bucket list and will also look at some of the things that often get overlooked during retirement planning.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Reducing Taxes on Retirement Withdrawals]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’re going to discuss how you can save money on withdrawals from retirement accounts.]]>
                                    </description>
                <pubDate>Sun, 08 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7772</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241208-3443-Garrison.mp3"  length="42961568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Justin Garrison]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’re going to discuss how you can save money on withdrawals from retirement accounts.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Justin Garrison</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[During this show, we’re going to discuss how you can save money on withdrawals from retirement accounts.]]>
                    </content:encoded>
                            </item>
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