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  <title>Retirement Success - Second Edition </title>

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  <copyright>© 2026 Retirement Success - Second Edition </copyright>
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  <description><![CDATA[This book ensures that you have the right advisor to guide you through retirement.  It's a direct, non-nonsense guide to finding an advisor who prioritizes your goals over their income. This is also a guide for understanding the challenges  e face in the 21st century retirement landscape.  The majority of people are going to need a good advisor to get them through it, and this book will show you exactly what that advisor should look like.]]></description>
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    <itunes:title>Chapter 1 - Why You Need a Functional Retirement Advisor</itunes:title>
    <title>Chapter 1 - Why You Need a Functional Retirement Advisor</title>
    <itunes:summary><![CDATA[         It's No Longer Your Parents' Or Grandparents' Retirement Are you making the mistake of planning for the retirement using a rear view mirror?  Most people don't know what they don't know about retirement.  The old rules no longer apply.  Longer lifespans, rising costs, market volatility, healthcare expenses, and tax inefficiencies have created a new set of challenges - ones that previous generations could afford to ignore, but today's retirees can't. Whether you are five yea...]]></itunes:summary>
    <description><![CDATA[        <p><br/><strong>It&apos;s No Longer Your Parents&apos; Or Grandparents&apos; Retirement</strong></p><p><em>Are you making the mistake of planning for the retirement using a rear view mirror?<br/></em><br/>Most people don&apos;t know what they don&apos;t know about retirement.  The old rules no longer apply.  Longer lifespans, rising costs, market volatility, healthcare expenses, and tax inefficiencies have created a new set of challenges - ones that previous generations could afford to ignore, but today&apos;s retirees can&apos;t.</p><p>Whether you are five years from retirement or already retired, this book will help you understand what&apos;s at stake, avoid major pitfalls, and find the right advisor to guide you.</p><p>Joseph Falbo Jr., CFP®, a financial advisor with over 30 years of experience, reveals how to find a trustworthy, empathetic advisor who prioritizes planning over products - in other words, a fully Functional Retirement Advisor (FRA).</p><p>Inside, you&apos;ll discover how to:</p><ul><li>AVOID the biggest financial missteps that derail retirement. (Many people don&apos;t realize the risks until it&apos;s too late.)</li><li>UNDERSTAND the one investing discipline every legitimate FRA practices. (Hint: It&apos;s not picking stocks)</li><li>DEFINE your retirement vision - so you can tie your money to the the life you want to live.</li><li>CALCULATE your retirement number - so you know exactly what it take to retire comfortably and stay retired.</li><li>ASK the one financial advisor question almost no one every thinks to ask - but absolutely should.  (This could change everything.)</li><li>BLOCK OUT the constant financial media noise designed to trigger fear and panic - so you make smart decisions based on strategy, not headlines. </li></ul><p>Through relevant teachings, personal anecdotes, powerful analogies, and real-life stories, &quot;<em>Retirement Success: Hiring Your Functional Retirement Advisor&quot;  </em>is the ultimate guide fo those approaching or already in a 21st century retirement.</p><p>Because hope is not a strategy - and the right advisor can make all the difference. </p>      ]]></description>
    <content:encoded><![CDATA[        <p><br/><strong>It&apos;s No Longer Your Parents&apos; Or Grandparents&apos; Retirement</strong></p><p><em>Are you making the mistake of planning for the retirement using a rear view mirror?<br/></em><br/>Most people don&apos;t know what they don&apos;t know about retirement.  The old rules no longer apply.  Longer lifespans, rising costs, market volatility, healthcare expenses, and tax inefficiencies have created a new set of challenges - ones that previous generations could afford to ignore, but today&apos;s retirees can&apos;t.</p><p>Whether you are five years from retirement or already retired, this book will help you understand what&apos;s at stake, avoid major pitfalls, and find the right advisor to guide you.</p><p>Joseph Falbo Jr., CFP®, a financial advisor with over 30 years of experience, reveals how to find a trustworthy, empathetic advisor who prioritizes planning over products - in other words, a fully Functional Retirement Advisor (FRA).</p><p>Inside, you&apos;ll discover how to:</p><ul><li>AVOID the biggest financial missteps that derail retirement. (Many people don&apos;t realize the risks until it&apos;s too late.)</li><li>UNDERSTAND the one investing discipline every legitimate FRA practices. (Hint: It&apos;s not picking stocks)</li><li>DEFINE your retirement vision - so you can tie your money to the the life you want to live.</li><li>CALCULATE your retirement number - so you know exactly what it take to retire comfortably and stay retired.</li><li>ASK the one financial advisor question almost no one every thinks to ask - but absolutely should.  (This could change everything.)</li><li>BLOCK OUT the constant financial media noise designed to trigger fear and panic - so you make smart decisions based on strategy, not headlines. </li></ul><p>Through relevant teachings, personal anecdotes, powerful analogies, and real-life stories, &quot;<em>Retirement Success: Hiring Your Functional Retirement Advisor&quot;  </em>is the ultimate guide fo those approaching or already in a 21st century retirement.</p><p>Because hope is not a strategy - and the right advisor can make all the difference. </p>      ]]></content:encoded>
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    <itunes:author>Joseph Falbo, Certified Financial Planner</itunes:author>
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    <pubDate>Sat, 13 Dec 2025 10:00:00 -0500</pubDate>
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    <itunes:title>Chapter 2 - The Fiduciary Rule: What It Means To You</itunes:title>
    <title>Chapter 2 - The Fiduciary Rule: What It Means To You</title>
    <itunes:summary><![CDATA[        A large number of people assume their advisor is required to act in their best interest. The reality is not that simple.        ]]></itunes:summary>
    <description><![CDATA[        <p>A large number of people assume their advisor is required to act in their best interest. The reality is not that simple. </p>      ]]></description>
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    <itunes:title>Chapter 3 - Retirement In The 21st Century: What&#39;s Changed?</itunes:title>
    <title>Chapter 3 - Retirement In The 21st Century: What&#39;s Changed?</title>
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    <pubDate>Thu, 11 Dec 2025 13:00:00 -0500</pubDate>
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    <itunes:title>Chapter 4: Procrastination: The Silent Retirement Killer</itunes:title>
    <title>Chapter 4: Procrastination: The Silent Retirement Killer</title>
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    <pubDate>Wed, 10 Dec 2025 02:00:00 -0500</pubDate>
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    <itunes:title>Chapter 5: The Wrong Kind of Advice Can Cost You Millions</itunes:title>
    <title>Chapter 5: The Wrong Kind of Advice Can Cost You Millions</title>
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    <pubDate>Tue, 09 Dec 2025 03:00:00 -0500</pubDate>
    <itunes:duration>325</itunes:duration>
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    <itunes:episode>5</itunes:episode>
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    <itunes:title>Chapter 6: How Financial News Can Lead You Astray</itunes:title>
    <title>Chapter 6: How Financial News Can Lead You Astray</title>
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    <pubDate>Mon, 08 Dec 2025 07:00:00 -0500</pubDate>
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    <itunes:title>Chapter 7: Why Financial Education is Failing Americans</itunes:title>
    <title>Chapter 7: Why Financial Education is Failing Americans</title>
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    <pubDate>Sun, 07 Dec 2025 08:00:00 -0500</pubDate>
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    <itunes:title>Chapter 8: The Five Criteria for a Functional Retirement Advisor</itunes:title>
    <title>Chapter 8: The Five Criteria for a Functional Retirement Advisor</title>
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    <itunes:title>Chapter 9: Trust &amp; Confidence: The Foundation of a Strong Advisory Relationship</itunes:title>
    <title>Chapter 9: Trust &amp; Confidence: The Foundation of a Strong Advisory Relationship</title>
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    <pubDate>Fri, 05 Dec 2025 02:00:00 -0500</pubDate>
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    <itunes:episode>9</itunes:episode>
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    <itunes:title>Chapter 10: Empathy &amp; Understanding: Why Qualitative Data Matters</itunes:title>
    <title>Chapter 10: Empathy &amp; Understanding: Why Qualitative Data Matters</title>
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    <pubDate>Fri, 05 Dec 2025 01:00:00 -0500</pubDate>
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    <itunes:title>Chapter 11: How Much Experience is Enough?</itunes:title>
    <title>Chapter 11: How Much Experience is Enough?</title>
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    <pubDate>Thu, 04 Dec 2025 04:00:00 -0500</pubDate>
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    <itunes:title>Chapter 12: Your Advisor&#39;s Financial Stability</itunes:title>
    <title>Chapter 12: Your Advisor&#39;s Financial Stability</title>
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    <pubDate>Wed, 03 Dec 2025 10:00:00 -0500</pubDate>
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    <itunes:title>Chapter 13: Decoding Financial Credentials: What Really Matters</itunes:title>
    <title>Chapter 13: Decoding Financial Credentials: What Really Matters</title>
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    <itunes:title>Chapter 14: Behavioral Investing: The Key To Long-Term Success</itunes:title>
    <title>Chapter 14: Behavioral Investing: The Key To Long-Term Success</title>
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    <pubDate>Mon, 01 Dec 2025 12:00:00 -0500</pubDate>
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    <itunes:title>Chapter 15: Bear Markets: Staying Invested Through Uncertainty</itunes:title>
    <title>Chapter 15: Bear Markets: Staying Invested Through Uncertainty</title>
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    <pubDate>Sun, 30 Nov 2025 13:00:00 -0500</pubDate>
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    <itunes:title>Chapter 16: Markets Work - If You Let Them</itunes:title>
    <title>Chapter 16: Markets Work - If You Let Them</title>
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    <itunes:title>Chapter 17: Determining Your Number</itunes:title>
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    <pubDate>Sun, 09 Nov 2025 09:00:00 -0500</pubDate>
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    <itunes:title>Chapter 18: The Bottom Line: Tying It All Together</itunes:title>
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